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cover of episode Cliff's Notes on Housing Finance

Cliff's Notes on Housing Finance

2025/5/28
logo of podcast Moody's Talks - Inside Economics

Moody's Talks - Inside Economics

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Cliff Rossi
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Cris deRitis
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Marisa DiNatale
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Mark Zandi
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Cliff Rossi: 我认为当前的房主保险市场运作不佳,面临着市场失灵的问题。保险公司在试图转移巨灾风险时,面临着更高的再保险费,这导致他们要么退出市场,要么提高价格。为了解决这个问题,我提出了一个方案,即成立一个新的政府支持企业(GSE),承担巨灾风险。这个GSE将创建自然灾害风险转移证券,并将这些证券出售给私人投资者,如保险公司和再保险公司。每个房主将拥有两份保单:一份是标准的房主保险单,另一份是自然灾害保单。自然灾害保单将根据房主居住地区的自然灾害风险定价。我认为这个方案可以有效地解决房主保险危机,并确保所有房主都能获得负担得起的保险。

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Cliff Rossi, Professor of the Practice and Director of the Smith Enterprise Risk Consortium at the University of Maryland, joins the podcast to discuss the future of housing finance and the potential release of Fannie Mae and Freddie Mac from government conservatorship. The team also delves into Dr. Rossi's proposal for fixing the homeowners insurance market and explores concerns surrounding private credit.

Guest: Clifford Rossi, Professor of the Practice, Director, Smith Enterprise Risk Consortium Executive-in-Residence PhD, Cornell University)

Hosts: Mark Zandi – Chief Economist, Moody’s Analytics, Cris deRitis – Deputy Chief Economist, Moody’s Analytics, Marisa DiNatale – Senior Director - Head of Global Forecasting, Moody’s Analytics

Follow Mark Zandi on 'X', BlueSky or LinkedIn @MarkZandi, Cris deRitis on LinkedIn, and Marisa DiNatale on LinkedIn

Questions or Comments, please email us at [email protected]). We would love to hear from you. 

Questions or Comments, please email us at [email protected]). We would love to hear from you. 

 

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