【摘要】：消費(fèi)信貸保證保險(xiǎn)是隨著消費(fèi)信貸的發(fā)展而產(chǎn)生的一種能夠?qū)崿F(xiàn)經(jīng)銷商、銀行、保險(xiǎn)公司、消費(fèi)者多方共贏的制度。由于我國(guó)法律制度滯后于消費(fèi)信貸的發(fā)展，在司法實(shí)踐中，法院在處理消費(fèi)信貸保證保險(xiǎn)案件時(shí)遇到了諸多問(wèn)題。09年保險(xiǎn)法修改后將保證保險(xiǎn)明確界定為保險(xiǎn)，使保證保險(xiǎn)的性質(zhì)得以明晰。但新保險(xiǎn)法仍然缺乏對(duì)保證保險(xiǎn)的具體規(guī)定，司法實(shí)踐中的很多問(wèn)題還沒(méi)有解決。本文在界定消費(fèi)信貸保證保險(xiǎn)的基礎(chǔ)上，從消費(fèi)信貸保證保險(xiǎn)的歷史發(fā)展進(jìn)程入手，試圖找出消費(fèi)信貸保證保險(xiǎn)發(fā)展停滯不前的原因。進(jìn)而從法律制度和風(fēng)險(xiǎn)及其防控兩個(gè)方面分析消費(fèi)信貸保證保險(xiǎn)存在的主要問(wèn)題。 本文共分四個(gè)部分。 第一部分簡(jiǎn)要界定了消費(fèi)信貸保證保險(xiǎn)的概念及其產(chǎn)生的必要性。首先通過(guò)闡述消費(fèi)信貸保證保險(xiǎn)的內(nèi)涵，在對(duì)保證保險(xiǎn)分類的基礎(chǔ)上區(qū)分貸款保證保險(xiǎn)、合同履約保證保險(xiǎn)與消費(fèi)信貸保證保險(xiǎn)的關(guān)系，從而明確了消費(fèi)信貸保證保險(xiǎn)的外延為個(gè)人消費(fèi)信貸保證保險(xiǎn)、住房消費(fèi)信貸保證保險(xiǎn)、汽車(chē)消費(fèi)信貸保證保險(xiǎn)。消費(fèi)信貸保證保險(xiǎn)產(chǎn)生的必要性是分別從傳統(tǒng)擔(dān)保機(jī)制的不足以及消費(fèi)信貸的發(fā)展來(lái)闡述其產(chǎn)生的理論和現(xiàn)實(shí)原因。 第二部分主要闡述消費(fèi)信貸保證保險(xiǎn)的歷史沿革。在簡(jiǎn)要分析國(guó)外消費(fèi)信貸保證保險(xiǎn)的發(fā)展之后，從消費(fèi)信貸保證保險(xiǎn)的運(yùn)用、法律制度的出臺(tái)以及相關(guān)合同條文幾個(gè)方面重點(diǎn)分析了住房消費(fèi)信貸保證保險(xiǎn)、汽車(chē)消費(fèi)信貸保證保險(xiǎn)以及個(gè)人消費(fèi)信貸保證保險(xiǎn)。 第三部分是本文的重點(diǎn)所在。探討的是消費(fèi)信貸保證保險(xiǎn)存在的法律問(wèn)題。從程序法和實(shí)體法兩個(gè)層面進(jìn)行分析。由于消費(fèi)信貸保證保險(xiǎn)的法律問(wèn)題很多，本文僅選取了幾個(gè)普遍的、爭(zhēng)議較大的法律問(wèn)題進(jìn)行探討。程序法方面主要探討消費(fèi)信貸保證保險(xiǎn)案件的當(dāng)事人和管轄。實(shí)體法方面主要探討了四點(diǎn)。一是保證保險(xiǎn)合同與借款合同、銀保合作協(xié)議的關(guān)系；二是銀行能否被指定為受益人；三是保險(xiǎn)公司的抗辯權(quán)；最后探討保險(xiǎn)公司的代位求償權(quán)。通過(guò)比較的方法對(duì)爭(zhēng)議問(wèn)題雙方觀點(diǎn)進(jìn)行了闡述，并加以分析。 第四部分從保險(xiǎn)公司和銀行兩個(gè)角度分析了各自面臨的風(fēng)險(xiǎn)，指出消費(fèi)信貸保證保險(xiǎn)發(fā)展停滯不前的深層次原因，即保險(xiǎn)公司監(jiān)管不力造成的風(fēng)險(xiǎn)和銀行風(fēng)險(xiǎn)失控。從明確個(gè)人資信調(diào)查的主體及責(zé)任方式，，加強(qiáng)保險(xiǎn)公司的內(nèi)部管理以及協(xié)調(diào)保險(xiǎn)公司和銀行的利益的角度提出了相關(guān)的防控措施。 本文寫(xiě)作的總體思路是在了解消費(fèi)信貸保證保險(xiǎn)的界定及發(fā)展進(jìn)程的基礎(chǔ)上，分析其發(fā)展停滯不前的原因，包括法律制度和保險(xiǎn)公司、銀行的風(fēng)險(xiǎn)防控的不足，并提出相應(yīng)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(xué)位授予單位】：西南政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：D922.284;F832.4

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