第四章，就我国现在贷款银行、保险公司及借贷人(被保险人)的在个人抵押商品住房贷款保险业务中的冲突，进行了详尽的分析。

Chapter four, has carried on exhaustive analysis conflict of the insurance business about our country lending bank, insurance company and debtor (the assured) in insurance of the home mortgage now.

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其次，就当前住房贷款保险领域中争论较多的各个问题分别进行讨论，其中一章以住房贷款保险合同的主要内容为线索，对各方观点加以甄别分析，得出结论；

Then, the author uses two parts to demonstrate popular discussions to this kind of insurance: one sums up current views and makes a conclusion according to the contracts of housing loan insurance;

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2004年以来，联邦保险的反抵押住房贷款笔数已经增加了2倍多，去年达到了114,692笔之多。 它们最大的缺点是：交易费用极高。

Since 2004 the number of federally insured reverse mortgages has more than tripled, to 114,692 last year.

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