新《保险法》中“保证保险”的风险及其防范

The risks related to "Surety Insurance" in the new Insurance Law and countermeasures

新《保险法》财产保险业务中新增加了"保证保险",然而并没有对保证保险的定义、性质、适用范围及合同相关内容做明确规定。因此,正确认知保证保险与普通财产保险的区别,把握保证保险在我国实施过程中可能面临的各种风险具有积极意义。防范保证风险应从完善保证保险立法和监管制度、提高保险公司对保证保险的专业管理操作能力、创新相关产品、加强银保合作和信用环境建设等方面落实。

The new Insurance Law adds the content of ＂surety insurance＂ in the business scope of property insurance companies, but it doesn＇t specifically stipulate on the definition, nature, applicability and contract provisions of surety insurance. Therefore, it is of great importance to properly understand the distinction between surety insurance and ordinary property insurance and the potential risks in implementing surety insurance in China. To guard against various risks relating to surety insurance, we should further improve on insurance legislation and regulation rules, enhance insurer＇s operational capability and product innovation for surety insurance, strengthen cooperation between banks and insurance companies, and improve on the credit environment in China.