住房抵押贷款保证保险合同研究.docVIP

住房抵押贷款保证保险合同研究 摘要关键词：ABSTRACT Mortgage system was introduced to China in the 1990s, which has brought to the rapid development of the real estate market, but also hidden great risk. As No risk, no insurance, mortgage insurance was invented. At present, there are only mortgage property insurance, mortgage life insurance and mortgage bond insurance. This paper will research mortgage bond insurance. Bond Insurance was originated in the United States, followed by many countries in Western Europe and Japan. Chinese insurance companies started it lately, with personal consumption credit system imperfect and the relevant legislation relatively stagnant. There are many arguments in theoretical research, the insurance practice and judicial practice. In theoretical research, researchers focus on the meaning and nature of bond insurance contract. In practice, it is not only developing rather slowly, but also lax in management . In the judicial practice, the courts may have different judgements when dealing with the same disputes on bond insurance contract, because provisions on it are lack . Above all, this paper will focus on the meaning, nature and contract elements of mortgage bond insurance. I hope my research will be good for the development of mortgage bond insurance. Key words: Mortgage Loan, bond insurance, insurable interest 目 录 第1章 绪论 1 1.1 研究背景 1 1.2 研究目的 2 1.3 研究内容与方法 2 第2章 合同法律性质 4 2.1 合同属性研究 4 2.1.1 “保证保险合同是保证合同”观点 4 2.1.2 “保证保险合同是保险合同”观点 5 2.1.3 “保证保险合同具有保险合同和保证合同的双重属性”观点 6 2.1.4 本文观点 6 2.2 合同从属性研究 8 2.2.1 保证保险合同是从合同 8 2.2.2 保证保险合同是独立的合同 9 2.2.3 本文观点 9 第3章 合同主体分析 11 3.1 保险人 11 3.1.1 强制险问题 11 3.1.2 双方代理问题 11 3.2 投保人 12 3.3被保险人 13 3.4受益人 14 3.5主体之间的法律关系 15 第4章 合同客体——保险利益 16 4.1 保险利益的界定 16 4.2 履约保证保险中保险利益在时间上的适用 18 第5章 合同内容 19 5.1保险责任 19 5.2 除外责任 19 5.3 保险金额 20 5.4 保险期限 20 5.3 保险费及支付方式 21 第6章 合同相关法律问题研究 22 6.1 如实告知义务 22 6.2代位求偿权问题 23 6.2.1 保险代位权概述 23 6.2.2 保险代位权的性质 24 6.2.3 履约保证保险中追偿权的性质及特点 24 6.3合同主体的诉讼地位 26 6.3.1 投保人在履约保证保险合同纠纷中的诉讼地位 26 6.3.2 被保险人在履约保证保险合