At present domestic still quite was strange to of the home loan fidelity insurance service, also extremely lacked to this industrial research, therefore this research widespread introduction home loan insurance service appraisal related subject and the risk management, the time could enable the populace to have more understandings to the home loan insurance service. However the home loan has the difference in the various countries' development situation because of the various countries' economical situation, but basically still has several to facilitate this industrial development the important factor, reorganized following several domains according to this research: (1) overall environment steadiness; (2) law control appropriateness; (3) constructs the construction domestic real estate perfect finance system. In addition, the legal surface and so on outside the necessary mechanism consummation, the information transparency, including the estimate system, the credit comments and so on, the correlation appraisal report and so on, all must specifically carry out.