【摘要】：消費信貸保證保險是隨著消費信貸的發(fā)展而產(chǎn)生的一種能夠實現(xiàn)經(jīng)銷商、銀行、保險公司、消費者多方共贏的制度。由于我國法律制度滯后于消費信貸的發(fā)展，在司法實踐中，法院在處理消費信貸保證保險案件時遇到了諸多問題。09年保險法修改后將保證保險明確界定為保險，使保證保險的性質得以明晰。但新保險法仍然缺乏對保證保險的具體規(guī)定，司法實踐中的很多問題還沒有解決。本文在界定消費信貸保證保險的基礎上，從消費信貸保證保險的歷史發(fā)展進程入手，試圖找出消費信貸保證保險發(fā)展停滯不前的原因。進而從法律制度和風險及其防控兩個方面分析消費信貸保證保險存在的主要問題。 本文共分四個部分。 第一部分簡要界定了消費信貸保證保險的概念及其產(chǎn)生的必要性。首先通過闡述消費信貸保證保險的內(nèi)涵，在對保證保險分類的基礎上區(qū)分貸款保證保險、合同履約保證保險與消費信貸保證保險的關系，從而明確了消費信貸保證保險的外延為個人消費信貸保證保險、住房消費信貸保證保險、汽車消費信貸保證保險。消費信貸保證保險產(chǎn)生的必要性是分別從傳統(tǒng)擔保機制的不足以及消費信貸的發(fā)展來闡述其產(chǎn)生的理論和現(xiàn)實原因。 第二部分主要闡述消費信貸保證保險的歷史沿革。在簡要分析國外消費信貸保證保險的發(fā)展之后，從消費信貸保證保險的運用、法律制度的出臺以及相關合同條文幾個方面重點分析了住房消費信貸保證保險、汽車消費信貸保證保險以及個人消費信貸保證保險。 第三部分是本文的重點所在。探討的是消費信貸保證保險存在的法律問題。從程序法和實體法兩個層面進行分析。由于消費信貸保證保險的法律問題很多，本文僅選取了幾個普遍的、爭議較大的法律問題進行探討。程序法方面主要探討消費信貸保證保險案件的當事人和管轄。實體法方面主要探討了四點。一是保證保險合同與借款合同、銀保合作協(xié)議的關系；二是銀行能否被指定為受益人；三是保險公司的抗辯權；最后探討保險公司的代位求償權。通過比較的方法對爭議問題雙方觀點進行了闡述，并加以分析。 第四部分從保險公司和銀行兩個角度分析了各自面臨的風險，指出消費信貸保證保險發(fā)展停滯不前的深層次原因，即保險公司監(jiān)管不力造成的風險和銀行風險失控。從明確個人資信調查的主體及責任方式，，加強保險公司的內(nèi)部管理以及協(xié)調保險公司和銀行的利益的角度提出了相關的防控措施。 本文寫作的總體思路是在了解消費信貸保證保險的界定及發(fā)展進程的基礎上，分析其發(fā)展停滯不前的原因，包括法律制度和保險公司、銀行的風險防控的不足，并提出相應的解決措施。
[Abstract]:With the development of consumer credit, consumer credit guarantee insurance is a system which can realize the win-win situation of dealers, banks, insurance companies and consumers. Because the legal system of our country lags behind the development of consumer credit, in judicial practice, the court has encountered many problems in dealing with the case of consumer credit guarantee insurance. To clarify the nature of warranty insurance. However, the new insurance law still lacks the specific provisions of guarantee insurance, and many problems in judicial practice have not been solved. Based on the definition of consumer credit guarantee insurance, this paper tries to find out the reasons why the development of consumer credit guarantee insurance stagnates from the historical development process of consumer credit guarantee insurance. The main problems of consumer credit guarantee insurance are analyzed from legal system, risk and prevention and control. This paper is divided into four parts. The first part briefly defines the concept of consumer credit guarantee insurance and its necessity. First of all, by expounding the connotation of consumer credit guarantee insurance, the relationship between loan guarantee insurance, contract performance guarantee insurance and consumer credit guarantee insurance is distinguished on the basis of the classification of guarantee insurance. Thus, the extension of consumer credit guarantee insurance is defined as personal consumption credit guarantee insurance, housing consumption credit guarantee insurance and automobile consumption credit guarantee insurance. The necessity of producing consumer credit guarantee insurance is to explain the theoretical and practical reasons from the deficiency of traditional guarantee mechanism and the development of consumer credit. The second part mainly expounds the history of consumer credit guarantee insurance. After a brief analysis of the development of foreign consumer credit guarantee insurance, this paper focuses on the analysis of housing consumption credit guarantee insurance from the aspects of the application of consumer credit guarantee insurance, the introduction of legal system and the relevant contract provisions. Auto consumption credit guarantee insurance and personal consumption credit guarantee insurance. The third part is the focus of this paper. What is discussed is the legal question which the consumer credit guarantees insurance exists. From the procedural law and substantive law two levels of analysis. As there are many legal problems in consumer credit guarantee insurance, this paper only selects several general and controversial legal issues to be discussed. Procedural law mainly discusses the parties and jurisdiction of consumer credit guarantee insurance cases. In the aspect of substantive law, it mainly discusses four points. The first is the relationship between the guarantee insurance contract and the loan contract, the cooperation agreement between the bank and the insurance company; the second is whether the bank can be designated as the beneficiary; the third is the defense right of the insurance company; finally, the subrogation right of the insurance company is discussed. Through the method of comparison, the views of both sides of the dispute are expounded and analyzed. The fourth part analyzes the risks faced by insurance companies and banks, and points out the deep-seated reasons for the stagnant development of consumer credit guarantee insurance, that is, the risks caused by the weak supervision of insurance companies and the runaway risks of banks. From the angle of clarifying the main body and responsibility of personal credit investigation, strengthening the internal management of insurance companies and coordinating the interests of insurance companies and banks, this paper puts forward relevant preventive and control measures. On the basis of understanding the definition and development process of consumer credit guarantee insurance, this paper analyzes the reasons for the stagnation of its development, including the legal system, insurance companies, and the lack of risk prevention and control of banks. And put forward the corresponding solution.
【學位授予單位】：西南政法大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：D922.284;F832.4

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