论信用保险与保证保险之差异

信用保险乃是防范信用风险,保障债权人利益顺利实现的有效手段。信用保险定义应当从其保险合同性质、标的、被保险人和作用范围四个方面展开研究,进而总结出信用保险内涵,然后才能概括出信用保险应然的定义。信用保险是完全不同于保证保险的独立财产保险类型,二者在主体、性质和制度价值方面都有着本质的差异,所以信用保险不能为保证保险所包含。

On the Difference between Credit Insurance and Guarantee Insurance

The credit insurance is an efficient way to protect the creditor's right from suffering from the credit risk. Its definition should be defined from such four aspects as the nature of the insurance contract, the target, the insured and the functional range. Hence, we can summarize the content of the credit insurance, and offer an appropriate definition for it. The Credit insurance is independent property insurance which is totally different from guarantee insurance in the aspects of subject, nature and system value. Therefore, it can not be included within the guarantee insurance.