保证保险合同若干法律问题研究

保证保险一般作为分期付款消费的一种履约担保,由于当前没有调整此类合同关系的相关法律规定,审判实践中做法各异,相同类型的案件常常在不同法院中出现不同的判决结果。对此,有必要对保证保险合同的性质、法律适用、合同的独立性和各合同主体的诉讼地位等实践中争议较大的法律问题进行比较分析,以期为当前法院审理车贷案件提供理论上的参考。

On Several Legal Issues in Guarantee Insurance Contract

Guarantee insurance is a comparatively new insurance business in China, commonly as the guarantee of performing the payment by instalment contract. Because there are not adequate legal rules adjusting such contracting relationship, judicial practices give different result for similar cases. Therefore, it is necessary make comparative analysis on controversial issues such as the nature, application of law, independence, the judicial status of parties of guarantee insurance contract, so as to provide theoretical reference for courts to deal with automobile consumption credit cases.