Because of its risk transfer and loss compensation functions, Residential Mortgage Loan Insurance can prevent the risks of Residential Mortgage Loan to a certain extent, so its importance has been revealed gradually.

• 个人住房抵押贷款保险因其风险转移和损失赔偿机制在一定程度上可以防范和化解个人住房抵押贷款风险，其重要性随着个人住房抵押贷款业务的发展逐渐为国内各大金融机构(包括保险公司)所认识。