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一、保证保险合同的法律性质。关于保证保险合同的性质,中国保监会与最高人民法院有不同的认识。中国保监会认为,保证保险是财产保险的一种,是保险公司为银行提供的消费者的履约保险;最高人民法院(1999)经监字第266号复函则认为,保证保险虽是保险人开办的一个险种,其实质是保险人对债权的一种担保行为。《最高人民法院关于审理保险纠纷案件若干问题的解释(征求意见稿)》第34条规定:“保证保险合同是为保证合同债务的履行而订立的合同,具有担保合同性质”。
First, the legal nature of the insurance contract. With regard to the nature of the insurance contract, the CIRC and the Supreme People’s Court have different understandings. CIRC believes that guarantee insurance is a kind of property insurance and a performance insurance for consumers provided by insurance companies for banks. The Supreme People’s Court (1999) replied in reply No. 266 that although insurance coverage is provided by insurers A kind of insurance, its essence is a kind of guarantee behavior of creditor’s rights. Article 34 of the Interpretation of the Supreme People’s Court on Some Issues Concerning the Trial of Cases of Insurance Disputes (Draft for Comment) stipulates: “A guaranteed insurance contract is a contract concluded for the purpose of guaranteeing the performance of the contract debt and has the nature of the guarantee contract.”