房地产预售资金监管制度完善路径研究——基于开拓预售险的构想

商品房预售制度的保证机制不完善是导致购房者与开发商纠纷的根本原因。在梳理当前预售资金监管现状的基础上,提出开拓预售险的构想,并界定其性质,设计具体制度,从政府部门、保险公司和开发商层面提出优化市场环境、完善服务模式、加强预售险解读等促进预售资金保险业务开展的建议。

Research on Perfecting Path of Pre-sale Funding Regulatory System of Real Estate:Based on the Ideal of Developing Pre-sale Insurance

The primary cause of disputes between buyers and developers is that the guarantee of real estate system is still not perfect. Based on combing the current status of pre-sale funding regulatory,the paper proposes the ideal of developing pre-sale insurance,defines the nature of pre-sale insurance,and designs the concrete system. Finally gives some suggestions of optimizing market environment,improving the service mode and strengthening the interpretation of pre-sale insurance from the level of government departments,insurance companies and developers,so as to promote the business of pre-sale insurance.