【作者】 孟庆波；

【导师】 李秀芬；

【作者基本信息】 山东大学 ， 法律， 2010， 硕士

【摘要】 随着1994年汽车产业的兴起,汽车产业现今已经在国民经济中扮演着重要的角色。为推动汽车产业经济的发展,在上世纪90年代后期,我国开始实行汽车消费贷款保证保险业务,但由于缺乏相应的理论研究,加之缺少经营经验,以致该保险业务的发展道路非常艰难,并最终于2004年退出市场。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。本文正是基于这样的写作目的进行的。理论基础的薄弱导致了实践操作的混乱。对汽车消费贷款保证保险的研究应回归保证保险的基本属性进行,以明确其基本性质、基本法律关系。保证保险应为一种独立的保险,其与担保合同相比,主体范围只涉及投保人、被保险人和保险人、合同内容上则以经营信用风险为主、法律责任承担上则以发生信用危险为前提条件。据此,汽车消费贷款保证保险合同应是基于汽车消费贷款合同而产生的,但其是依据《保险法》存在的一种单独合同形式,而不是消费贷款合同的从合同。汽车消费贷款保证保险涉及保险法律关系,以及买卖合同、贷款合同、担保等多个法律关系,而买卖合同关系和贷款合同关系构成了保险法律关系的基础。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。银行单纯发展业务量导致的业务流程倒置、保险公司怠于信用调查导致的风险掌控能力弱、汽车经销商的不良经营导致的市场混乱等都加大了汽车消费贷款保证保险业务在经营过程中的风险系数,也加剧了该市场的无序、混乱。为规制汽车消费贷款保证保险的经营秩序,减小其经营风险,以期使新的汽车消费贷款保证保险能够顺利发展,我们应当致力于转变经营模式、实行市场准入制度、严格保证保险单证及数据的管理、建立风险预警机制和完善客户资信调查与管理制度等方面的改革,并在相关制度的建设上致力于我国公民信用体系的建立和完善、保证保险自治组织的建立等。只有这样,我国拟实行的新的一轮的汽车消费贷款保证保险业务才能顺利发展,并为我国汽车经济的繁荣发展作出更大的成绩。更多还原

【Abstract】 With the rise of automobile industry of 1994, automobile industry in national economy now has played an important role. To promote the economic development of auto industry, in the late 1990s, China began to implement auto loan guarantee insurance business, but due to a lack of corresponding theoretical research, and lack of experience, so that the development of the insurance business is very difficult, and eventually road in 2004 to withdraw from the market. 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. This is based on the purpose of writing.The theoretical basis of the weak in practical operation. For auto loan guarantee insurance research should return to guarantee insurance basic attribute, in order to make clear its basic properties, the basic law relations. Guarantee insurance should be an independent insurance guaranty contract, compared with only, subject scope involving policy-holder, insurant and underwriter, the contents of the contract to the credit risk management, legal liability is to happen on credit risk as the prerequisite. Accordingly, the auto loan guarantee insurance contract should be based on the auto loan contract, but it is the basis "insurance law" the existence of a single contract form, instead of spending the loan contract from the contract.Auto loan guarantee insurance concerning insurance contract for the sale of legal relationships, and the loan contract, guarantee, such legal relation, and business contract relationship and loan contract constitute the insurance law relations. But in practice, because the basic law, no clear relationship in auto loan guarantee insurance in practice exposed to a number of problems. In the development of pure business bank of the business process, insurance company fails to credit risk control ability to survey the weak, auto dealers in the confusion of market trade, etc are increased auto loan guarantee insurance business in the risk management process, the coefficient of the market disorder, and confusion. For the regulation of auto loan guarantee insurance business order, reduce the risk management, in order to make new auto loan guarantee insurance, we shall be able to develop smoothly to transformation management pattern, market access system, strictly guarantee insurance documents and data management, establish the risk early warning mechanism and improving customer credit investigation and management system, and the relevant system reform in the construction of Chinese citizens to establish and perfect the system of credit guarantee insurance, the establishment of autonomous organization. Only in this way, our proposed a new round of auto loan guarantee insurance business to develop smoothly, and for the prosperity and development of the economy in China’s automobile make greater achievements.更多还原