付超--论汽车消费贷款保证保险的保险利益.docVIP

摘要 汽车消费贷款保证保险自上市以来，经历了三个阶段：一高调面世、二巨额亏损叫停、三全面复兴。各地法院对如何处理借款人恶意欺诈现象判决并不一致，问题的关键在于理论上对车贷险保险利益的判断不明。笔者经过对两种保险利益观点的整理和分析，认为车贷险保险利益应该为诚信的债务人由于经济上的变故而无法履约的风险，并从保险利益的构成条件、所保危险的构成要件、保险法的基本原则以及保险合同与借款合同的关系等方面予以论证。最后笔者指出了新的保险利益观对实务中银行与保险人间的风险与责任分担方面的影响。采用新的保险利益观，将有效避免法理与实务中存在的种种问题，使得这个新兴的保险险种持续而有效地发展下去。 关键词：汽车消费贷款保证保险，保险利益  Abstract Auto loan guarantee insurance in the market, has gone through three stages: a high-profile launch, the second halt the huge losses, three full recovery. All over the court on how to approach the borrower is not the same malicious fraud verdict, the problem lies in theory determine the insurable interest of Judai Xian unknown. The author of two insurance benefits through the collation and analysis of views that Judai Xian insurable interest should be due to the economic integrity of the debtor can not turn of events on the performance of the risk and the composition of interest from the insurance conditions, the constituent elements of the security risk, The basic principles of insurance law and insurance contracts and other aspects of the relationship between the loan contract to be demonstrated. Finally, the author points out the new insurance interests in banking and insurance on the practical world of risk and burden-sharing implications. New insurance interests, to avoid legal and practical problems that exist, so this new and effective insurance coverage continued to grow. Keywords: auto loan guarantee insurance, insurable interest  目录 摘要 I Abstract II 1 汽车消费贷款保证保险简介 1 1.1 概述汽车消费贷款保证保险 1 1.2 车贷险发展历程及现状 1 1.3 车贷险常见的不合理现象 2 1.4 车贷险出现的问题 2 2 现有保险利益分析 4 2.1 保险的定义 4 2.2 现有的保险利益观的观点介绍 4 2.2.1 保险利益债权观 5 2.2.2 保险利益合法债权观 5 2.3 总结分析 5 3 汽车消费贷款保证保险的保险利益界定 6 3.1 关于保险利益界定的分析 6 3.2 符合保险利益构成要件上的正当性 6 3.3 符合所保危险构成要件上的正当性 7 3.4 符合保险法基本原则上的正当性 8 3.5 符合与借款合同关系上的正当性 8 4 新保险利益观对风险承担的影响 10 4.1 新保险利益观中的资信审查义务 10 4.2 银行对投保人资信审查的可行性 10 5 保证保险主体四方博弈 12 5.1 新车贷险遇冷之博弈分析 12 5.1.1 保险公司与银行之间的博弈关系 13 5.1.2 银行与汽车经销商之间的博弈关系 13 5.1.3 保险公司与购车人之间的博弈关系