消费贷款保证保险

汽车消费贷款保证保险合同的性质及责任承担

The Legal Character and Responsibility of Auto Loan Guarantee Insurance Contract

汽车消费贷款保证保险的法律性质在理论上存在保证说与保险说之争。

There are insurance theory and guarantee theory about it .

汽车消费贷款保证保险纠纷剖析

Analysis of Conflicts from Car Loan Pledge Insurance

消费贷款保证保险法律性质及相关问题探析

Analysis On the Legal Nature and the Relevant Problems of Consuming Loan Warranty Insurance

汽车消费贷款保证保险法律问题研究

Study on Vehicle Consumptive Loan Guarantee Insurance

消费贷款保证保险业务在我国可谓是梅开二度。

Consumer loan guarantee insurance business in our country it is " scored two goals " .

最后论述汽车消费贷款保证保险的历史功绩和现状。

The last is to relate the historical value of vehicle consumptive loan guarantee insurance and its current situation .

建立完善的社会信用体系是汽车消费贷款保证保险顺利进行的必要条件。

Establish a sound social credit system is a necessary condition for Guarantee Insurance for the Automobile Consuming carried out smoothly .

汽车消费贷款保证保险极大地简化了贷款审批程序，释放了大量潜在的汽车消费需求，为我国汽车工业和汽车消费信贷市场的发展做出巨大贡献。

The appearance of auto loan guarantee insurance not only greatly simplifies the loan approval procedures , but also boosts potential car consumption remarkably .

近日，中国保监会对个人汽车消费贷款保证保险旧条款紧急叫停，根本原因在于个人汽车消费贷款保证保险纠纷案件与日俱增。

Because cases of individual automobile consumer finance guarantee insurance increase steadily , the old article about individual automobile consumer finance guarantee insurance is forbidden .

本文的主张是汽车消费贷款保证保险是保险，保险纠纷应当适用保险法律规范，但又主张这种适用是不合理的。

This article thinks vehicle consumptive loan guarantee insurance is insurance . So , we should use insurance laws and regulations to deal with insurance disputes .

本部分主要是从保证保险的起源出发，阐述保证保险制度产生的经济背景，并交代汽车消费贷款保证保险在国外的发展状况。

This part is to show the origin of guarantee insurance , to expound its economical background and to relate its development in some foreign countries .

但在实务中，因为基本法律关系没有理清，导致汽车消费贷款保证保险在实践中暴露出了许多问题。

But in practice , because the basic law , no clear relationship in auto loan guarantee insurance in practice exposed to a number of problems .

汽车消费贷款保证保险（我国俗称车贷险）是保证保险在汽车分期付款消费中的应用。

Vehicle consumptive loan guarantee insurance ( Generally , we call it che-dai insurance in china ) is one kind of guarantee insurance combined with vehicle consumption by installment .

欺诈现象在汽车消费贷款保证保险中十分严重，保险公司在投保人欺诈后主张免责，使银行陷入巨大风险之中。

The fraud is very common . Insurance companies stand they are unaccountable when there is insured fraud . So , commercial banks are in great risk in this situation .

而欲准确界定汽车消费贷款保证保险合同的性质，对汽车消费贷款保证保险法律关系进行微观分析也就首当其冲。

The author thinks that to define the character of the guaranty insurance of automobile credit we must first analyze the legal relation of the guaranty insurance contract of automobile credit .

对汽车消费贷款保证保险性质的不同认识，将直接导致保险纠纷在司法审判中适用不同的法律，也将导致信贷发放机构和保险公司之间不同的责任承担。

Different definition about its legal nature will lead to different application of law in judicial practice . So , it will cause different responsibilities between credit institutions and insurance companies .

在银保合作开展汽车消费贷款保证保险的过程中，只有双方呈现合作状态时，才能达到双优结果。

During the process of " Banc-assurance " to carry out Guarantee Insurance for the Automobile Consuming , only two sides to render the co-operation state , a double excellent results will achieve .

以保监会2004年5月关于《规范汽车消费贷款保证保险业务有关问题的通知》为标志，保证保险终于盛极而衰。

China Insurance Regulatory Commission in May 2004 on the " norms auto loan guarantee insurance business related to the issue of notice ," marked to ensure that insurance has a sheng and failure .

该产品退出舞台，警示着我们应当对该产品及其所涉及到的理论知识加大研究力度，以期为我国汽车消费贷款保证保险业务的重新兴起作出贡献。

This product exit stage , we should be alert to the product and the theoretical knowledge involved in order to intensify research in China auto loan guarantee insurance business to contribute to the rise .

然后介绍汽车消费贷款保证保险在我国的发展，着重介绍其在我国的发展过程中所经历的急剧变化的两个阶段，并初步交代其变化原因。

Then , this part will focus on its development in china . It will put emphasis on the two dramatic change stages of vehicle consumptive loan guarantee insurance and the reasons of the changes .

作为一项新的法律制度，汽车消费贷款保证保险在我国一诞生便引起理论界和实务界的诸多争议，故实有进行深入全面研究之必要。

As a new law system , the bond insurance is triggering disputes both in theory and in practice after its first appearance in our country . So it 's necessary to do some research into this new thing .

通过对保险与担保本质区别进行分析，可以确认消费贷款保证保险的法律性质是保险而非保证担保，它与保证之间的相似之处仅仅是形似。

Through the analysis of the essential differences between insurance and security , it is ascertained that the legal nature of Consuming loan warranty insurance is insurance law relationship but not security law relationship , though the two share some likeness in appearance .

主要阐述研究背景、意义，研究思路和研究方法等，对汽车消费贷款保证保险的相关文献进行评述，从而为后面的分析奠定基础。第二章：汽车消费贷款保证保险与其风险分析。

It introduces the research background , research ideas and methods , and so on . The relevant literature on auto loan guarantee insurance is reviewed carefully so as to lay the foundation for later analyses . Part ⅱ: Risk analysis of auto loan guarantee insurance .

财产保险公司为满足商业银行汽车消费信贷风险管理的需要，纷纷开办汽车消费贷款保证保险业务。

To meet the requirement of credit risk management of the commercial banks , property insurance companies began to provide auto loan guarantee insurance .