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保证保险是借款人作为投保人,向保险公司购买保险,由债权人作为被保险人并在债务人违约的情况下享有保险利益的保险品种。保证保险具有保障贷款安全的功能,是银行个人汽车消费贷款、个人综合消费贷款、个人住房贷款等个人信贷业务保障措施之一。2003～2004年,由于个人汽车消费贷款保证保险业务风险集中,保监会一度叫停该项业务。2005年以来,保证保险逐步在个人信贷业务领域开展。从各商业银行的实践来看,保证保险案件纠纷遇到的问题主要有以下几方面:
Assured insurance is the type of insurance the borrower, as the policy holder, purchases insurance from the insurer, takes the insured as the insured and takes the benefit of the insurance if the debtor defaults. Guarantee insurance has the function of guaranteeing loan safety and is one of the personal credit business guarantee measures such as individual personal car loan, personal comprehensive consumer loan and individual housing loan. From 2003 to 2004, the CIRC once halted the operation due to the concentration of risks in the consumer auto loan guarantee insurance business. Since 2005, guarantee insurance has been gradually implemented in the personal credit business. From the practice of various commercial banks, the problems encountered in guaranteeing disputes over insurance include the following aspects: