改革开放以来,我国汽车产业得到了迅猛的发展,汽车产业的发展离不开汽车消费贷款等金融配套政策的支持,作为增加低风险信贷投入的有效途径和业务创新的亮点,保证保险下的汽车消费贷款成为人们日益关注的热点。但是,随着保证保险被广泛采用,其存在的问题也日益显露,导致车贷险纠纷案件不断上升。本文从保证保险存在的问题出发,在剖析保证保险产生纠纷的原因的基础上,提出建议和对策。 Since the reform and opening up, China’s automobile industry has witnessed rapid development. The development of the automobile industry is inseparable from the financial supporting policies such as automobile consumer loans. As an effective way to increase the investment of low-risk credit and the highlight of business innovation, the automobile under the insurance Consumer loans have become the focus of increasing concern. However, with the widespread adoption of guarantee insurance, the existing problems have become increasingly apparent, leading to the continual rise of car loan disputes. Based on the analysis of the reasons for the guarantee disputes, this paper puts forward suggestions and countermeasures.