关于建立我国产权保险制度的法律问题分析——从我国房地产交易的两起风险案谈起-analysis of legal issues concerning the establishment of chinas property right insurance system - starting from two risk cases of chinas real estate transactions.docx

内容摘要产权保险起源于美国，并为世界许多国家运用的一项法律制度。其对产权交易过程中风险的消除与分散功能，对我国不动产产权交易市场的安全保障具有较好的借鉴意义。由于我国不动产交易领域存在着诸多风险：商品房预售环节开发商开发手续的不全及违法行为，在建工程抵押、施工人的优先权给预购人权益造成严重威胁；在房屋买卖过程中，部分共有人在未经其它共有人同意情况下出售房屋，出租人在未依法通知承租人行使优先权出售房屋，及抵押人未经抵押权人同意出售房屋给买受人带来的产权风险。产权保险制度的引进有利于产权交易当中风险的消除与分散；有利于繁荣房地产交易市场，有利于保险市场的开拓，有利于律师业及中介服务业的发展；有利于住房抵押贷款的证券化。我国引进产权保险应当结合我国不动产交易的特点及现有的法律制度，对国外的产权保险作进一步的改进，建立起适合我国国情的产权保险人模式，扩大产权保险的范围，特别是将保单签发后产生的产权负担、瑕疵列为我国产权保险的范围尤其重要。为了促进产权保险的发展，我国还要做好不动产登记制度的进一步完善，并发挥不动产物权公示的作用。关键词：产权保险；产权风险；不动产登记；产权保险人；产权保险范围AbstractTitleinsurancearisesfromU.S.A,anditisappliedbymanycountries.Ithasbetter referencevaluetothesafesecurityoftransactionoftherealpropertyinourcountryduetoits functionofdiminishinganddispersingriskfunction.Thereareaboundwithalotofrisksin theareaoftransactionoftherealproperty:theimperfectproceduresandillegalbehaviorsof thedevelopersduringtheperiodofpre-sellingcommercialhouses,theseverethreattothe homebuyersduetothemortgageoftheunfinishedconstructionorproprietyrightofthe constructionparty.Ontheotherhand,sellingthehousebypartofthecommonowners withoutthepermissionoftheotherowners,performtheproprietywithoutnoticetothelessee bythelessor,andtheriskonthebuyerbecauseofsellinghousebythemortgagorwithoutthe permission of the mortgagee.Itishelpfultoeliminateanddispersetheriskoftitletransaction,boomthemarketof realestate,extendtheinsurancemarket;developthelawyerservicesandintermediary services,securitizatethemortgageloans.Itneedstoinnovatetheoverseatitleinsurance furthersoastobuildupourownsmodeloftitleinsurer,extendthescopeoftitleinsurance, especiallyincludethetitleburdenanddefectinthescopeoftitleinsurance.Inorderto promotethedevelopmentofthetitleinsurance,itisnecessarytocompletethesystemofthe realestate registration so as to play the function of property publicity.KeyWords:TitleInsurance;TitleRisks;RealEstateRegistration;TitleInsurance Company;Title Insurance Coverage目录引言.....................................................................................................................