保证保险与保险——保险法与担保法的交错

发布时间：2018-03-11 16:17

本文选题：保证保险合同　切入点：法律性质　出处：《南京大学学报(哲学.人文科学.社会科学版)》2008年03期 　论文类型：期刊论文

【摘要】：保证保险虽已成为金融担保的一种重要方式,但理论界与实务界对其法律性质、法律适用等重要问题,仍然存在很大争议。保证保险在为消费信贷的金融债权提供信用保障方面,虽然具有与保证相同的经济功能,法律关系上亦与担保法发生交错,但不能因经济效果的相近而将二者等同。尤其在目前保险公司不能经营保证业务的金融政策背景下,应当承认保证保险符合保险的法律特征,是一种新型的财产保险。保证保险所承保的是被保险人的债权因债务人不履行义务而无法实现的信用风险,投保人通过保险人为其信用承保而获取了金融机构的贷款。因此,此类案件应当首先适用《保险法》,《保险法》没有明确规定的,适用《合同法》、《民法通则》等其他有关法律和司法解释的规定。
[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.
【作者单位】：南京审计学院法学系南京市中级人民法院
【分类号】：D922.284

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