發(fā)布時(shí)間：2018-03-11 16:17

  本文選題：保證保險(xiǎn)合同　切入點(diǎn)：法律性質(zhì)　出處：《南京大學(xué)學(xué)報(bào)(哲學(xué).人文科學(xué).社會(huì)科學(xué)版)》2008年03期 　論文類型：期刊論文

【摘要】：保證保險(xiǎn)雖已成為金融擔(dān)保的一種重要方式,但理論界與實(shí)務(wù)界對(duì)其法律性質(zhì)、法律適用等重要問(wèn)題,仍然存在很大爭(zhēng)議。保證保險(xiǎn)在為消費(fèi)信貸的金融債權(quán)提供信用保障方面,雖然具有與保證相同的經(jīng)濟(jì)功能,法律關(guān)系上亦與擔(dān)保法發(fā)生交錯(cuò),但不能因經(jīng)濟(jì)效果的相近而將二者等同。尤其在目前保險(xiǎn)公司不能經(jīng)營(yíng)保證業(yè)務(wù)的金融政策背景下,應(yīng)當(dāng)承認(rèn)保證保險(xiǎn)符合保險(xiǎn)的法律特征,是一種新型的財(cái)產(chǎn)保險(xiǎn)。保證保險(xiǎn)所承保的是被保險(xiǎn)人的債權(quán)因債務(wù)人不履行義務(wù)而無(wú)法實(shí)現(xiàn)的信用風(fēng)險(xiǎn),投保人通過(guò)保險(xiǎn)人為其信用承保而獲取了金融機(jī)構(gòu)的貸款。因此,此類案件應(yīng)當(dāng)首先適用《保險(xiǎn)法》,《保險(xiǎn)法》沒(méi)有明確規(guī)定的,適用《合同法》、《民法通則》等其他有關(guān)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(jì)學(xué)院法學(xué)系 南京市中級(jí)人民法院
【分類號(hào)】：D922.284

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