贷款保证保险 定义

1. 贷款保证保险 定义

贷款保证保险是承保投保人(借款人)不能按贷款合同约定的期限偿还所欠贷款的风险，当借款人不能按期偿还贷款时，由保险人承担偿还责任。
该险种是为了配合金融机构发展个人消费贷款业务而开办的，主要适用于个人住房消费贷款、个人汽车消费贷款等贷款业务。目前我国主要开办了个人汽车消费贷款保证保险和个人住房抵押贷款保证保险两个险种。
保险人对发生下列情况不负赔偿责任：
(1)被保险人未按《贷款通则》对投保人进行审核及贷款催收；
(2)被保险人的故意行为；
(3)没有征得保险人的事先同意变更贷款合同或附件内容。

2. 贷款保证保险 定义

【答案】a、c
【答案解析】个人汽车贷款履约保证保险责任范围包括利息和贷款本金。

3. 住房贷款保险的英文

 Protection of consumer rights in housing loan insurance   住房贷款保险 中的消费者权益保护
  But with the unceasing development of the housing loan total quantity and with the character of expensive value , the deadpne long , the poor pquidity , the strong popcy - type , as well as the housing loan business development time is not long in our country at present , the housing loan insurance , o levels of markets growth will be seriously insufficient , the mercial banks lack the risk disperser and the shift mechani *** situation , they will cause the housing loan risk to accumulate day by day in the mercial bank and appear gradually  但随著住房贷款总量的不断增加和住房贷款本身数额大、期限长、流动性差、政策性强等特点,以及在我国目前住房贷款业务发展时间还不长, 住房贷款保险 、二级市场发育严重不足,商业银行缺乏风险分散和转移机制的情况下,使得住房贷款的风险在商业银行中日益积累和逐步显现出来。