Now the theories of scholars are mainly focus on the nature of warrantee insurance . they compared insurance with guaranty and then confirmed the latter one with the relationship of the subjects , the realization of mortgage and the application law of warrantee insurance 目前,学者对这一问题的探讨多集中在保证保险的性质,就保证与保险进行平行对比,以当事人的关系、抵押权的实现、法律适用等为理由,确定其保证或者保险属性。
Though warrantee insurance is favorable to all the parties , the system is not consummated for the lack of competent laws and regulations regulating it . there are unnormative procedures in practice and unfixed prejudications resulting from the totally contrary views towards warrantee insurance 保证保险对各方当事人都有着积极的意义,但由于产生时间短,缺少相应的法律法规对其进行全面的调整和规范,这一制度还很不完善,理论界的观点针锋相对,实践中的业务操作不甚规范,司法判例也忽左忽右。
Business property insurance , the family property insurance , building insurance , the installation of insurance , freight insurance , motor vehicle insurance , shipping insurance , and energy insurance , general liability insurance , guarantee insurance , credit insurance , the china insurance regulatory commission approved the other property insurance 企业财产损失保险、家庭财产损失保险、建筑工程保险、安装工程保险、货物运输保险、机动车辆保险、船舶保险、能源保险、一般责任保险、保证保险、信用保险、经中国保监会批准的其他财产保险业务。
In order to research further the legal essence of the performance guarantee insurance for automobile consuming loan , the study should , on the basis of clearly defined features , explore deeper into factors such as the subject , the object , the relationship between rights and obligations , and so on 本文在介绍和归纳已有研究成果的基础上,以保险法的基本原则为理论主线,结合归纳、分类和比较等研究方法对汽车消费贷款履约保证保险的性质、合同要素和若干实务问题进行研究。
Business property insurance , the family property insurance , building insurance , the installation of insurance , freight insurance , motor vehicle insurance , shipping insurance , and energy insurance , general liability insurance , guarantee insurance , credit insurance ( except export credit insurance ) , the china insurance regulatory commission approved the other property insurance 企业财产损失险、家庭财产损失保险、建筑工程保险、安装工程保险、货物运输保险、机动车辆保险、船舶保险、能源保险、一般责任保险、保证保险、信用保险（出口信用险除外） 、经中国保监会批准的其它财产保险业务。
The second section analyses effect of residential mortgage loan insurance from four different positions , such as positions of loan provider , housing buyer , etc . . the third section sets force actuality of chinese residential mortgage loan insurance , finds out that there are only three categories now , and compares several provisions between products from different insurance companies in same categories 第三部分阐述了个人住房抵押贷款保险的发展现状，指出我国目前仅有抵押房地产财产损失保险、个人住房抵押贷款保证保险以及个人住房抵押贷款借款人人身保险这三个险种，并就保险责任条款、保险金额条款、保费计算及缴付方式条款等方面对这三类险种中的几个不同保险产品进行了比较分析。
Business property insurance , the family property insurance ; building insurance ; installation insurance ; cargo transportation insurance ; motor vehicle insurance ; shipping insurance ; energy insurance ; general liability insurance ; guarantee insurance ; credit insurance ( except export credit insurance ) , the china securities regulatory commission associate other property insurance 企业财产损失保险，家庭财产损失保险；建筑工程保险；安装工程保险；货物运输保险；机动车辆保险；船舶保险；能源保险；一般责任保险；保证保险；信用保险（出口信用保险除外） ，经中国证监会准的其他财产保险业务。
The study on the performance guarantee insurance for automobile consuming loan should be started from its concepts and natures . the cognizance of its natures straightly determines its legal applications as well as rights , obligations , and risk participation model for relative parties 汽车消费贷款履约保证保险是近年来保险领域的新业务品种,但对于该保险的性质归属于保险还是保证,应适用担保法还是保险法调整各主体的权利义务关系,学界与司法界、实务界一直争论不休。
Business property insurance ; family property insurance ; building insurance ; installation insurance ; cargo transportation insurance ; motor vehicle insurance ; shipping insurance ; energy insurance ; general liability insurance ; guarantee insurance ; credit insurance ( except export credit insurance ) 企业财产损失保险；家庭财产损失保险；建筑工程保险；安装工程保险；货物运输保险；机动车辆保险；船舶保险；能源保险；一般责任保险；保证保险；信用保险（出口信用保险除外） 。
So this essay , using comparison and positivism , begins with the risks in the obligation law relationship to obtain the differences between the guaranty law relationship and insurance law relationship . the essay disaffirmed the guaranty nature of warrantee insurance and then confirmed the insurance nature of it through analysis of the legal and economic definitions , the value , the function and the mechanism of insurance 所以,本文试从债的法律关系中的风险入手,运用定性分析、定量分析、比较分析和实证分析等方法,首先将保证和保险视为平行的避险工具,揭示二者的不同,从而排除保证保险的保证属性,其次又从保险的法律和经济含义切入,阐释保险的价值、功能和机制,同时肯定保证保险的保险属性。
