保证保险二元性思辨及其法律适用

从一种抽象概念演变为我国消费领域中较为普遍的商业动作行为,保证保险的出现及其发展仅仅经历了短暂的近十年时间,然而对于保证保险性质的混乱认识及立法上的空白,直接导致对保证保险关系当事人之行为无法进行统一规范和调整,笔者认为,保险公司以其保险人身份介入消费信贷关系中与保证人身份进行兼容,从而为各方当事人及司法实践提供了对信贷风险可选择的两种救济模式,并以此区别并优越于单一保证模式,并本着私法自治、司法权被动性之精神为保证保险纠纷公正合理地解决对保证、保险双重模救济模式进行了理性选择。

Consideration of Dual Guaranty Insurance and Its Law Application

Guaranty insurance has been developing for more than ten years, but weare still ambiguous in its nature and no corresponding definite provision .We think, the insurance agent has the status of the insurer and guarantor at the same time, so we puts up with two alterative modes of relief in the scope of consumer credit, that is by insurance or guarantee, which be more super than the single mode of guarantee.