美国法的不动产变动模式存在着不利于交易安全保护的先天弊端,合同担保、产权意见书模式在产权保证上虽有一定实效,却不如所有权保险制度安全保障彻底。在维护交易安全上,所有权保险具有真实保障和损害赔偿的双重构造,我国应当借鉴美国所有权保险以商业信用支撑不动产交易安全的做法,建立国家信用与商业信用共为支柱的不动产登记制度体系。 There are inherent drawbacks to the real estate change model of the United States Law that are not conducive to the security of transaction. Although the contract guarantee and the mode of property right statement have some effect on the property rights guarantee, they are not as complete as the security of the ownership insurance system. In the aspect of maintaining the transaction security, the ownership insurance has the dual structure of real guarantee and compensation. Our country should draw on the practice of American credit insurance to support the real estate transaction security with commercial credit, and set up the real estate registration system which is supported by the national credit and commercial credit.