本文選題：保證保險合同　切入點：法律性質　出處：《南京大學學報(哲學.人文科學.社會科學版)》2008年03期 　論文類型：期刊論文

【摘要】：保證保險雖已成為金融擔保的一種重要方式,但理論界與實務界對其法律性質、法律適用等重要問題,仍然存在很大爭議。保證保險在為消費信貸的金融債權提供信用保障方面,雖然具有與保證相同的經(jīng)濟功能,法律關系上亦與擔保法發(fā)生交錯,但不能因經(jīng)濟效果的相近而將二者等同。尤其在目前保險公司不能經(jīng)營保證業(yè)務的金融政策背景下,應當承認保證保險符合保險的法律特征,是一種新型的財產(chǎn)保險。保證保險所承保的是被保險人的債權因債務人不履行義務而無法實現(xiàn)的信用風險,投保人通過保險人為其信用承保而獲取了金融機構的貸款。因此,此類案件應當首先適用《保險法》,《保險法》沒有明確規(guī)定的,適用《合同法》、《民法通則》等其他有關法律和司法解釋的規(guī)定。
[Abstract]:Although the guarantee insurance has become an important way of financial guarantee, but the theoretical and practical circles of its legal nature, legal application and other important issues, In terms of providing credit protection for financial claims of consumer credit, although it has the same economic function as security, the legal relationship also intersects with the law of security. However, they cannot be equated because of their close economic effects. Especially in the context of the current financial policy that an insurance company is unable to engage in guarantee business, it should be recognized that the guarantee insurance conforms to the legal characteristics of insurance. It is a new type of property insurance. What guarantee insurance underwrites is the credit risk that the creditor's rights of the insured cannot be realized because of the debtor's failure to fulfill its obligations, and the policy-holder obtains the loan of the financial institution through the insurer for its credit insurance. In such cases, the Insurance Law should be applied first, and if the Insurance Law does not clearly provide for it, other relevant legal and judicial interpretation provisions such as the contract Law and the General principles of Civil Law shall be applied.
【作者單位】： 南京審計學院法學系 南京市中級人民法院
【分類號】：D922.284

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