_blank class=infotextkey>get=_blank class=infotextkey>2015_blank class=infotextkey>0814
8月8日_blank class=infotextkey>get=_blank class=infotextkey>21_blank class=infotextkey>时19分,_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>九寨沟县_blank class=infotextkey>get=_blank class=infotextkey>发生的7.0级_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震,截至8月_blank class=infotextkey>get=_blank class=infotextkey>10日18_blank class=infotextkey>时,_blank class=infotextkey>get=_blank class=infotextkey>死亡_blank class=infotextkey>get=_blank class=infotextkey>20_blank class=infotextkey>get=_blank class=infotextkey>人,受伤_blank class=infotextkey>get=_blank class=infotextkey>人员507_blank class=infotextkey>get=_blank class=infotextkey>人,_blank class=infotextkey>get=_blank class=infotextkey>生命尚且_blank class=infotextkey>get=_blank class=infotextkey>如此,更_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不用提各种财产、_blank class=infotextkey>get=_blank class=infotextkey>物质损失了。抢灾救灾后,_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>重要的_blank class=infotextkey>get=_blank class=infotextkey>还是_blank class=infotextkey>get=_blank class=infotextkey>如何_blank class=infotextkey>get=_blank class=infotextkey>保证_blank class=infotextkey>get=_blank class=infotextkey>信贷_blank class=infotextkey>get=_blank class=infotextkey>资产周_blank class=infotextkey>get=_blank class=infotextkey>全。
_blank class=infotextkey>gn="center">
_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>网友疑惑:_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子若因_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震_blank class=infotextkey>get=_blank class=infotextkey>成了废墟,_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>还要_blank class=infotextkey>继续还吗?更_blank class=infotextkey>get=_blank class=infotextkey>广泛_blank class=infotextkey>get=_blank class=infotextkey>地说,_blank class=infotextkey>如果是正在还月供的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子倒塌了或者_blank class=infotextkey>get=_blank class=infotextkey>成了危_blank class=infotextkey>get=_blank class=infotextkey>房,是否_blank class=infotextkey>get=_blank class=infotextkey>还要_blank class=infotextkey>继续还月供?_blank class=infotextkey>如果_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子在,_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>没了,谁来_blank class=infotextkey>继续还月供?
这一_blank class=infotextkey>get=_blank class=infotextkey>话题引起了_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>少_blank class=infotextkey>get=_blank class=infotextkey>网友的_blank class=infotextkey>关注,对此,_blank class=infotextkey>get=_blank class=infotextkey>小方经过认_blank class=infotextkey>真_blank class=infotextkey>get=_blank class=infotextkey>了解相关_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融和_blank class=infotextkey>get=_blank class=infotextkey>法律_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定后,在此给出答案:_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震_blank class=infotextkey>get=_blank class=infotextkey>中即使_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋_blank class=infotextkey>get=_blank class=infotextkey>全损,_blank class=infotextkey>get=_blank class=infotextkey>贷款者也_blank class=infotextkey>get=_blank class=infotextkey>有义务按月还_blank class=infotextkey>get=_blank class=infotextkey>清余_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>贷款。根据以往经验,在_blank class=infotextkey>get=_blank class=infotextkey>处理_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震灾后抵押物(以_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产为例)的过程_blank class=infotextkey>get=_blank class=infotextkey>中容易_blank class=infotextkey>get=_blank class=infotextkey>出现以_blank class=infotextkey>get=_blank class=infotextkey>下几种_blank class=infotextkey>get=_blank class=infotextkey>情况:
1
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子_blank class=infotextkey>get=_blank class=infotextkey>损毁,_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>人失踪。_blank class=infotextkey>get=_blank class=infotextkey>银行将_blank class=infotextkey>get=_blank class=infotextkey>终止_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同_blank class=infotextkey>get=_blank class=infotextkey>关_blank class=infotextkey>get=_blank class=infotextkey>系,尚未偿还的_blank class=infotextkey>get=_blank class=infotextkey>贷款,将_blank class=infotextkey>get=_blank class=infotextkey>会核销_blank class=infotextkey>get=_blank class=infotextkey>处理;
_blank class=infotextkey>get=_blank class=infotextkey>2
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子_blank class=infotextkey>get=_blank class=infotextkey>损毁,_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>人未失踪。_blank class=infotextkey>get=_blank class=infotextkey>你跟_blank class=infotextkey>get=_blank class=infotextkey>银行之间只是_blank class=infotextkey>get=_blank class=infotextkey>一个抵押物的_blank class=infotextkey>get=_blank class=infotextkey>损毁,_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>你们的债权_blank class=infotextkey>债务_blank class=infotextkey>get=_blank class=infotextkey>关_blank class=infotextkey>get=_blank class=infotextkey>系仍然_blank class=infotextkey>get=_blank class=infotextkey>存在,_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>权利_blank class=infotextkey>get=_blank class=infotextkey>要求_blank class=infotextkey>get=_blank class=infotextkey>法院对_blank class=infotextkey>get=_blank class=infotextkey>贷款者的_blank class=infotextkey>get=_blank class=infotextkey>其他存款或_blank class=infotextkey>get=_blank class=infotextkey>资产实施冻结。
_blank class=infotextkey>3
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子尚存,_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>人失踪,_blank class=infotextkey>get=_blank class=infotextkey>有抵押物继承_blank class=infotextkey>get=_blank class=infotextkey>人。由继承_blank class=infotextkey>get=_blank class=infotextkey>人承担借款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同_blank class=infotextkey>get=_blank class=infotextkey>关_blank class=infotextkey>get=_blank class=infotextkey>系,_blank class=infotextkey>继续归还_blank class=infotextkey>get=_blank class=infotextkey>贷款;
4
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子尚存,_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>人失踪,且无抵押物继承_blank class=infotextkey>get=_blank class=infotextkey>人。_blank class=infotextkey>get=_blank class=infotextkey>银行可按_blank class=infotextkey>get=_blank class=infotextkey>法律_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定,_blank class=infotextkey>get=_blank class=infotextkey>回_blank class=infotextkey>收抵押物,未归还_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>按照坏账_blank class=infotextkey>get=_blank class=infotextkey>进行_blank class=infotextkey>get=_blank class=infotextkey>处理。
当然,_blank class=infotextkey>get=_blank class=infotextkey>还_blank class=infotextkey>get=_blank class=infotextkey>有另_blank class=infotextkey>get=_blank class=infotextkey>一种_blank class=infotextkey>get=_blank class=infotextkey>情况——_blank class=infotextkey>如果是_blank class=infotextkey>get=_blank class=infotextkey>全款_blank class=infotextkey>get=_blank class=infotextkey>购买的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商品_blank class=infotextkey>get=_blank class=infotextkey>房在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>get=_blank class=infotextkey>损毁、灭失,_blank class=infotextkey>get=_blank class=infotextkey>又该由谁来承担后果?
根据相关_blank class=infotextkey>get=_blank class=infotextkey>法律_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定,_blank class=infotextkey>如果_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋在交付给_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>使用_blank class=infotextkey>get=_blank class=infotextkey>之前受损了,由_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>开发_blank class=infotextkey>get=_blank class=infotextkey>商承担后果,_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>开发_blank class=infotextkey>get=_blank class=infotextkey>商应当将_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>人支付的_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房款或者_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>金等_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>退还给_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>人;_blank class=infotextkey>如果_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋已经交付,则应当由_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>自己承担后果。
_blank class=infotextkey>不过,当受灾_blank class=infotextkey>get=_blank class=infotextkey>群众_blank class=infotextkey>面对_blank class=infotextkey>不可抗力的特_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>get=_blank class=infotextkey>自然_blank class=infotextkey>get=_blank class=infotextkey>灾害、心灵_blank class=infotextkey>get=_blank class=infotextkey>受到创伤、财产被摧毁、_blank class=infotextkey>get=_blank class=infotextkey>生活无着_blank class=infotextkey>时,_blank class=infotextkey>如果_blank class=infotextkey>get=_blank class=infotextkey>还要_blank class=infotextkey>他们来承担被震毁_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房的_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>债务,从_blank class=infotextkey>get=_blank class=infotextkey>人道的角度来说,是_blank class=infotextkey>不_blank class=infotextkey>应该的。此前也_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>国家_blank class=infotextkey>get=_blank class=infotextkey>发_blank class=infotextkey>get=_blank class=infotextkey>布_blank class=infotextkey>get=_blank class=infotextkey>特殊_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策的先例,比如:
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>2008年5月_blank class=infotextkey>get=_blank class=infotextkey>19日,汶川_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震救灾期间,_blank class=infotextkey>央行和银监_blank class=infotextkey>get=_blank class=infotextkey>会紧急_blank class=infotextkey>get=_blank class=infotextkey>下发《_blank class=infotextkey>get=_blank class=infotextkey>关于_blank class=infotextkey>get=_blank class=infotextkey>全力_blank class=infotextkey>get=_blank class=infotextkey>做好_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震灾区_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融_blank class=infotextkey>get=_blank class=infotextkey>服务_blank class=infotextkey>get=_blank class=infotextkey>工作的紧急_blank class=infotextkey>通知》,_blank class=infotextkey>get=_blank class=infotextkey>要求各_blank class=infotextkey>get=_blank class=infotextkey>银行应充分_blank class=infotextkey>get=_blank class=infotextkey>考虑到受灾_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地区_blank class=infotextkey>get=_blank class=infotextkey>群众和_blank class=infotextkey>get=_blank class=infotextkey>企业的实际_blank class=infotextkey>困难,对灾区_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不能按_blank class=infotextkey>时偿还各类_blank class=infotextkey>get=_blank class=infotextkey>贷款的_blank class=infotextkey>单位和个_blank class=infotextkey>get=_blank class=infotextkey>人,_blank class=infotextkey>不催_blank class=infotextkey>收催缴、_blank class=infotextkey>不罚息、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不作_blank class=infotextkey>不良_blank class=infotextkey>get=_blank class=infotextkey>记录。
_blank class=infotextkey>get=_blank class=infotextkey>特殊_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策虽然_blank class=infotextkey>get=_blank class=infotextkey>可以帮助受灾_blank class=infotextkey>get=_blank class=infotextkey>群众减免_blank class=infotextkey>部分损失,但更科学的规避_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>风险_blank class=infotextkey>get=_blank class=infotextkey>办法_blank class=infotextkey>get=_blank class=infotextkey>还是_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险。
01
_blank class=infotextkey>get=_blank class=infotextkey>20_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>get=_blank class=infotextkey>5年4月16日
_blank class=infotextkey>get=_blank class=infotextkey>20_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>get=_blank class=infotextkey>5年4月16日,_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住宅_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>共同_blank class=infotextkey>get=_blank class=infotextkey>体_blank class=infotextkey>get=_blank class=infotextkey>正式_blank class=infotextkey>get=_blank class=infotextkey>成立,由_blank class=infotextkey>get=_blank class=infotextkey>国内40余家_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司自愿_blank class=infotextkey>组成。
0_blank class=infotextkey>get=_blank class=infotextkey>2
_blank class=infotextkey>get=_blank class=infotextkey>201_blank class=infotextkey>get=_blank class=infotextkey>6年5月1_blank class=infotextkey>get=_blank class=infotextkey>2日
_blank class=infotextkey>get=_blank class=infotextkey>保监_blank class=infotextkey>get=_blank class=infotextkey>会、_blank class=infotextkey>get=_blank class=infotextkey>财_blank class=infotextkey>政_blank class=infotextkey>部印发《_blank class=infotextkey>get=_blank class=infotextkey>建立_blank class=infotextkey>get=_blank class=infotextkey>城乡_blank class=infotextkey>get=_blank class=infotextkey>居民_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住宅_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震巨灾_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>制度实施_blank class=infotextkey>get=_blank class=infotextkey>方案》,提出_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震巨灾_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险为_blank class=infotextkey>get=_blank class=infotextkey>突破口,先行_blank class=infotextkey>get=_blank class=infotextkey>建立_blank class=infotextkey>get=_blank class=infotextkey>城乡_blank class=infotextkey>get=_blank class=infotextkey>居民_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住宅_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震巨灾_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>制度,酝酿_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>多年的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国性巨灾_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>制度_blank class=infotextkey>get=_blank class=infotextkey>终于_blank class=infotextkey>get=_blank class=infotextkey>实现破局。
0_blank class=infotextkey>3
_blank class=infotextkey>get=_blank class=infotextkey>201_blank class=infotextkey>get=_blank class=infotextkey>6年_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>get=_blank class=infotextkey>2月_blank class=infotextkey>get=_blank class=infotextkey>26日
_blank class=infotextkey>get=_blank class=infotextkey>201_blank class=infotextkey>get=_blank class=infotextkey>6年_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>get=_blank class=infotextkey>2月_blank class=infotextkey>get=_blank class=infotextkey>26日,_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住宅_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>get=_blank class=infotextkey>运营_blank class=infotextkey>get=_blank class=infotextkey>平台在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>get=_blank class=infotextkey>交易所_blank class=infotextkey>get=_blank class=infotextkey>正式_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上线,_blank class=infotextkey>get=_blank class=infotextkey>统一_blank class=infotextkey>get=_blank class=infotextkey>平台_blank class=infotextkey>get=_blank class=infotextkey>运营,_blank class=infotextkey>get=_blank class=infotextkey>大幅提_blank class=infotextkey>get=_blank class=infotextkey>高_blank class=infotextkey>get=_blank class=infotextkey>管理效率、_blank class=infotextkey>get=_blank class=infotextkey>降低_blank class=infotextkey>get=_blank class=infotextkey>业务_blank class=infotextkey>get=_blank class=infotextkey>成本,并且为_blank class=infotextkey>get=_blank class=infotextkey>建立巨灾_blank class=infotextkey>get=_blank class=infotextkey>数据_blank class=infotextkey>get=_blank class=infotextkey>库奠_blank class=infotextkey>定基础。这一_blank class=infotextkey>get=_blank class=infotextkey>平台的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上线,也标志着_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住宅_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>制度的_blank class=infotextkey>get=_blank class=infotextkey>运营_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>环境初步_blank class=infotextkey>get=_blank class=infotextkey>建立。
据此前_blank class=infotextkey>get=_blank class=infotextkey>媒_blank class=infotextkey>get=_blank class=infotextkey>体梳理,_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震巨灾_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>get=_blank class=infotextkey>产品的_blank class=infotextkey>get=_blank class=infotextkey>主要_blank class=infotextkey>get=_blank class=infotextkey>内容包括:
1
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保障对象:_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保障对象为_blank class=infotextkey>get=_blank class=infotextkey>城乡_blank class=infotextkey>get=_blank class=infotextkey>居民_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住宅,_blank class=infotextkey>get=_blank class=infotextkey>运行初期,_blank class=infotextkey>原则_blank class=infotextkey>get=_blank class=infotextkey>上以达到_blank class=infotextkey>get=_blank class=infotextkey>国家_blank class=infotextkey>get=_blank class=infotextkey>建筑_blank class=infotextkey>get=_blank class=infotextkey>质量_blank class=infotextkey>get=_blank class=infotextkey>要求(包括抗震设防_blank class=infotextkey>get=_blank class=infotextkey>标准)的_blank class=infotextkey>get=_blank class=infotextkey>建筑物本_blank class=infotextkey>get=_blank class=infotextkey>身及_blank class=infotextkey>get=_blank class=infotextkey>室内附属设施为主;
_blank class=infotextkey>get=_blank class=infotextkey>2
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>get=_blank class=infotextkey>责任:_blank class=infotextkey>get=_blank class=infotextkey>发生4._blank class=infotextkey>get=_blank class=infotextkey>7级(_blank class=infotextkey>get=_blank class=infotextkey>含)以_blank class=infotextkey>get=_blank class=infotextkey>上且_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>大烈度达到VI度以_blank class=infotextkey>get=_blank class=infotextkey>上的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震,_blank class=infotextkey>get=_blank class=infotextkey>及其引起的海啸、_blank class=infotextkey>get=_blank class=infotextkey>火灾、火山_blank class=infotextkey>爆发、_blank class=infotextkey>get=_blank class=infotextkey>爆炸、_blank class=infotextkey>get=_blank class=infotextkey>地陷、_blank class=infotextkey>get=_blank class=infotextkey>地裂、泥石_blank class=infotextkey>get=_blank class=infotextkey>流、滑坡、堰塞湖及_blank class=infotextkey>get=_blank class=infotextkey>大坝决堤_blank class=infotextkey>get=_blank class=infotextkey>造成的水淹等次生_blank class=infotextkey>get=_blank class=infotextkey>灾害,_blank class=infotextkey>get=_blank class=infotextkey>造成_blank class=infotextkey>get=_blank class=infotextkey>城乡_blank class=infotextkey>get=_blank class=infotextkey>居民_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住宅一_blank class=infotextkey>定程度损失的,_blank class=infotextkey>get=_blank class=infotextkey>可以_blank class=infotextkey>get=_blank class=infotextkey>得到_blank class=infotextkey>get=_blank class=infotextkey>赔偿。_blank class=infotextkey>get=_blank class=infotextkey>上述_blank class=infotextkey>get=_blank class=infotextkey>标准基本涵盖较_blank class=infotextkey>get=_blank class=infotextkey>严_blank class=infotextkey>get=_blank class=infotextkey>重的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震_blank class=infotextkey>get=_blank class=infotextkey>灾害,_blank class=infotextkey>get=_blank class=infotextkey>能够_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保障投_blank class=infotextkey>get=_blank class=infotextkey>保_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋所_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>面临的_blank class=infotextkey>get=_blank class=infotextkey>主要_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>风险,符_blank class=infotextkey>合巨灾_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险的应_blank class=infotextkey>get=_blank class=infotextkey>有内涵;
_blank class=infotextkey>3
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>get=_blank class=infotextkey>金额:_blank class=infotextkey>get=_blank class=infotextkey>运行初期,结_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>我国_blank class=infotextkey>get=_blank class=infotextkey>居民_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住宅的_blank class=infotextkey>get=_blank class=infotextkey>总_blank class=infotextkey>get=_blank class=infotextkey>体结构、_blank class=infotextkey>get=_blank class=infotextkey>平均_blank class=infotextkey>get=_blank class=infotextkey>再建_blank class=infotextkey>get=_blank class=infotextkey>成本、灾后_blank class=infotextkey>get=_blank class=infotextkey>补偿_blank class=infotextkey>get=_blank class=infotextkey>救助_blank class=infotextkey>get=_blank class=infotextkey>水平等_blank class=infotextkey>get=_blank class=infotextkey>情况,按_blank class=infotextkey>get=_blank class=infotextkey>城乡_blank class=infotextkey>get=_blank class=infotextkey>有别确_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>get=_blank class=infotextkey>金额,_blank class=infotextkey>get=_blank class=infotextkey>城镇_blank class=infotextkey>get=_blank class=infotextkey>居民_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住宅基本_blank class=infotextkey>get=_blank class=infotextkey>保额_blank class=infotextkey>get=_blank class=infotextkey>每户5_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元,_blank class=infotextkey>get=_blank class=infotextkey>农村_blank class=infotextkey>get=_blank class=infotextkey>居民_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住宅基本_blank class=infotextkey>get=_blank class=infotextkey>保额_blank class=infotextkey>get=_blank class=infotextkey>每户_blank class=infotextkey>get=_blank class=infotextkey>2_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元。_blank class=infotextkey>get=_blank class=infotextkey>每户可与_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司协_blank class=infotextkey>get=_blank class=infotextkey>商确_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>get=_blank class=infotextkey>金额,_blank class=infotextkey>get=_blank class=infotextkey>运行初期_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>高_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>超过_blank class=infotextkey>get=_blank class=infotextkey>100_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元;
4
条款费率:_blank class=infotextkey>get=_blank class=infotextkey>运行初期,以_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>get=_blank class=infotextkey>行业协_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>发_blank class=infotextkey>get=_blank class=infotextkey>布的_blank class=infotextkey>get=_blank class=infotextkey>示范条款为主,费率_blank class=infotextkey>get=_blank class=infotextkey>主要结_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地区_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>风险_blank class=infotextkey>get=_blank class=infotextkey>高低、_blank class=infotextkey>get=_blank class=infotextkey>建筑结构_blank class=infotextkey>不同等因素确_blank class=infotextkey>定,并适_blank class=infotextkey>时_blank class=infotextkey>get=_blank class=infotextkey>调整;
5
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>get=_blank class=infotextkey>理赔:_blank class=infotextkey>get=_blank class=infotextkey>运行初期,参照_blank class=infotextkey>get=_blank class=infotextkey>国家_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震局、民_blank class=infotextkey>政_blank class=infotextkey>部制_blank class=infotextkey>_blank class=infotextkey>定的_blank class=infotextkey>get=_blank class=infotextkey>国家_blank class=infotextkey>get=_blank class=infotextkey>标准,根据破坏等级分档_blank class=infotextkey>get=_blank class=infotextkey>理赔:当破坏等级在ⅠⅡ级_blank class=infotextkey>时,标的基本完好,_blank class=infotextkey>不予_blank class=infotextkey>get=_blank class=infotextkey>赔偿;当破坏等级为Ⅲ级(_blank class=infotextkey>get=_blank class=infotextkey>中等破坏)_blank class=infotextkey>时,_blank class=infotextkey>get=_blank class=infotextkey>按照_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>get=_blank class=infotextkey>金额的_blank class=infotextkey>get=_blank class=infotextkey>50%确_blank class=infotextkey>定损失;当破坏等级为Ⅳ级(_blank class=infotextkey>get=_blank class=infotextkey>严_blank class=infotextkey>get=_blank class=infotextkey>重破坏)及Ⅴ级(毁坏)_blank class=infotextkey>时,_blank class=infotextkey>get=_blank class=infotextkey>大水坑,_blank class=infotextkey>get=_blank class=infotextkey>按照_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险_blank class=infotextkey>get=_blank class=infotextkey>金额的_blank class=infotextkey>get=_blank class=infotextkey>100%确_blank class=infotextkey>定损失。
_blank class=infotextkey>get=_blank class=infotextkey>可以看出,梁江,尽管仍处于起步_blank class=infotextkey>get=_blank class=infotextkey>阶段,但_blank class=infotextkey>get=_blank class=infotextkey>发展_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住宅_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>保险正在为越来越_blank class=infotextkey>get=_blank class=infotextkey>多的_blank class=infotextkey>get=_blank class=infotextkey>城乡_blank class=infotextkey>get=_blank class=infotextkey>居民构筑起防范_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地震_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>风险的防护网。而随着巨灾险的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不断_blank class=infotextkey>get=_blank class=infotextkey>发展,相_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>未来_blank class=infotextkey>get=_blank class=infotextkey>人们谈起_blank class=infotextkey>get=_blank class=infotextkey>上述_blank class=infotextkey>get=_blank class=infotextkey>话题_blank class=infotextkey>时,也将轻松_blank class=infotextkey>get=_blank class=infotextkey>一些。