保证保险制度引入我国已有十年,学术界对于保证保险的性质尚未达成共识,而法律也尚未对保证保险作出规定,保证保险的发展陷入困境。本文从保证保险发展的历史渊源、实务以及发展前景等方面分析了保证保险的性质,以期促进保证保险立法的进程。 It has been ten years since the system was introduced into our country. The academia has not reached a consensus on the nature of the insurance, and the law has not stipulated the guarantee insurance to ensure the development of the insurance is in a dilemma. This paper analyzes the nature of guarantee insurance from the aspects of history, practice and development prospects of insurance development so as to promote the process of ensuring insurance legislation.