试论信用保险_保证保险和保证之间的关系.pdf

22 1 ( ) V ol2 1 N o1 2008 2 JOURN AL O F INSU RAN CE PRO FESSION AL COLL ECE F eb 2008 李文中 ( , 100070 ) [ ] 信用交易是信用保险和保证产生和发展的共同基础, 都是增进义务人信用的一种手段, 进社会信用交易实现的 一种方 式, 即它们都是一种信用担保形式担保机构经营保证业务也是运用大数定律来进行风险汇集的, 所以在本质上保证也是一种保险业务 而且, 由于法律环境的影响, 在我国保证保险不等于保证, 保险公司经营保证保险和保证业务各有利弊因此, 有关部门应该允许符合条 件的财产保险公司经营保证业务, 为客户和保险公司都增加一种选择 [ ] 信用保险保证 保险保证 [ ] F 84 [ ] A [ ] 1673- 1360 ( 2008) 0 1- 0060- 05 [ Ab stract] The cred it transaction is co- b asis o f credit in surance and suretyCredit insurance and surety are bo th a m ean s o f enhanc ing the cred it leve l o f princ ip als and a m ethod for facilitat ing the cred it tran sact ion N am ely, they are both a form o f credit gu arantyT he L arge Num bers L aw can be u sed to poo l risks for guaran ty organization s surety businessTherefor, surety, essentia lly, is a lso an in surance businessB ecause o f the in flu ence of law circum stances, surety insurance isn t equ al to surety in Ch inaT here are advantages and disad vantages for the prop erty and casu a lty insurance com pany to deal in surety in surance and suretySo, the corre l ative departm ent should p erm it the prop erty and casua lty in surance comp any to engage in the surety bu siness, and to afford ano ther cho ice for cu stom ers and them selves [ KeyW ord s] C red it In surance Surety In surance Surety , , , , , , , , , , , , , , ,