关于个人汽车消费贷款保证保险纠纷案件的法律分析  

Legal Analyses on Cases of Individual Automobile Consumer Finance Guarantee Insurance

作　　者：孙玉荣[1] 李记华 

机构地区：[1]北京工业大学法律系,北京100022 [2]北京市方略律师事务所,北京100011

出　　处：《河南省政法管理干部学院学报》2004年第6期61-66,共6页Journal of Henan Administrative Institute of Politics and Law

摘　　要：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。正确认识保证保险条款和保证保险合作协议之间的关系是正确解决此类纠纷的关键。个人汽车消费贷款保证保险不同于担保。借款合同尚未生效,保险人不应当承担保险责任。Because cases of individual automobile consumer finance guarantee insurance increase steadily,the old article about individual automobile consumer finance guarantee insurance is forbidden . It is the key that the relation between the article about individual automobile consumer finance guarantee insurance and the cooperate agreement about guarantee insurance is understood. Individual automobile consumer finance guarantee insurance differs from surety. If the loan contract is not in operation, insurance agent should not bear legal liability.

关 键 词：个人汽车消费贷款 保证保险 银行 保险公司 

分 类 号：D926.13[政治法律—法学]