保证保险在汽车消费贷款中应用比较广泛,我国新修订的《保险法》将保证保险归于财产保险之一种,但是对于其性质并没有明确态度,笔者试从保证与保险两者的本质,结合保证保险在汽车消费贷款中的具体操作,以此说明保证保险的性质实质上是保证,而非保险。 Assurance insurance is widely used in automobile consumer loans. Our newly revised “Insurance Law” will insure the insurance as one of the property insurances, but there is no definite attitude toward the nature of the insurance. The author tries to combine the essence of both the guarantee and the insurance, Insurance in the car consumer loans in the specific operation, in order to explain the nature of insurance is guaranteed in nature, rather than insurance.