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“责任保险和保证保险都是财产险业务中由保险人替代被保险人承担向第三方赔付义务的险种,保障的都是第三方利益,特别是在两者都是承担违约责任情形下,其性质常难以区分,给管理造成较大困扰。”根据我国保险监管相关规定,对责任保险和保证保险采用不同的监管模式。但是,责任保险和保证保险都是财产险业务中由保险人替代被保险人承担向第三方赔付义务的险种,本质上保障的都是第三方利益,特别是在两者都是承担违约责任的情形下,其性
“Liability insurance and insurance are the property insurance business by the insurer to assume the obligation to pay the obligation to third parties, the protection of all third-party interests, especially when both are liable for breach of contract, Its nature is often difficult to distinguish, causing more troubles to management. ”According to the relevant provisions of China’s insurance regulation, the liability insurance and guarantee insurance with different regulatory model. However, both liability insurance and surety insurance are the types of insurance in the property insurance business where the insurer replaces the obligation of the insured to pay the third party. In essence, third-party interests are guaranteed, especially when both are liable for breach of contract Situation, its nature