海上保险中的保证制度是保险人借以控制承保风险的重要手段,现如今,保证似乎已渐渐演变成保险人逃避责任的工具。我国虽然在事实上已承认了保证条款在实践中的应用,但目前尚不存在完备的保证制度,因此我国面临着如何构建保证制度这一问题。本文从保证的含义入手,结合其理论基础,提出了几点有关我国构建海上保险保证制度的建议。 The guarantee system in maritime insurance is an important means by which the insurer controls the underwriting risk. Nowadays, it seems that the guarantee has gradually evolved into a tool for the insurer to evade liability. Although our country has admitted in fact the application of the guarantee clause in practice, there is no perfect guarantee system so far, so our country is facing the problem of how to construct a guarantee system. This article starts with the meaning of guarantee and puts forward some suggestions on how to build a marine insurance guarantee system in our country based on its theoretical foundation.