伴随着我国金融混业发展的日益深化、社会融资规模的快速增长,近年来履约保证保险被广泛应用于银行贷款、信托计划以及互联网金融领域。早在20世纪90年代末,英国银行业已经开始销售与上述产品类似的支付保护保险产品,然而由于银行在销售和理赔过程中存在不合规以及侵害金融消费者利益等一系列问题,2012年英国监管当局已禁止银行等金融机构在发放贷款时销售该保险产品,但巨额罚款及赔付金给英国银行业带来 Along with the deepening of the development of China’s financial integration and the rapid growth of social financing, in recent years, the performance guarantee insurance has been widely applied in the fields of bank loans, trust plans and Internet finance. As early as the late 1990s, the British banking industry started to sell payment protection insurance products similar to the above products. However, due to a series of problems such as bank non-compliance in the sales and settlement process and infringement on the interests of financial consumers, British regulators have banned banks and other financial institutions from selling the insurance products when issuing loans, but the huge fines and claims have brought to the British banking industry