金融创新下保证保险法律探析

Analysis of Guarantee Insurance Law Under Financial Innovation

保证保险为一种新型的保险类型,保证保险的定性、法律属性有担保说、保险说、混合说三种不同认识。司法实务中,不同法院对保证保险认定不同。创新型保证保险分为投保人集合型和资金集合型。创新型保证保险存在高赔付及其他投保人利益损害的风险,保险公司应加强承保审核、建立风险共担机制。保险监管部门有必要加强保证保险的监管及行业立法。

Suretyship insurance is a new type of insurance.There are three different understandings of suretyship insurance,i.e.,the theory of suretyship,the theory of insurance and the theory of mixture.In judicial practice,different courts hold different opinions on guarantee insurance.The innovative guarantee insurance can be divided into two types:the policyholder collection type and the fund collection type.There is no clear and specific provision for guarantee insurance in China’s legislation.The innovative guarantee insurance has the risk of high compensation and other policyholders’interests damage.It is necessary for the regulatory authorities to strengthen the supervision and industry legislation of guarantee insurance.