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从上个世纪90年代后期开始,我国保险业推出一种名为“保证保险”的新险种。但各地法院在审理涉及保证保险案件的过程中,由于对保证保险的法律性质存在认识上的差异,导致运用不同的裁判依据,作出了不同的审判结果。本文对保证保险的定义,保证保险合同的法律性质和保证保险合同的法律规范的适用三个问题进行探讨,以促进我国保证保险立法的完善和裁判上的统一。
Since the late 1990s, China’s insurance industry has introduced a new type of insurance called “Guaranteed Insurance ”. However, in the course of hearing the cases involving the guarantee of insurance, the courts around the world have made different trial results because of the differences in understanding the legal nature of the guaranty insurance, which leads to the use of different basis of referees. This article discusses the definition of guaranty insurance, the legal nature of guaranty insurance contract and the application of the legal norms of guaranty insurance contract so as to promote the unity of guaranty insurance legislation in our country.