摘要
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,促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。
The credit transaction is co-basis of credit insurance and surety.Credit insurance and surety are both a means of enhancing the credit level of principals and a method for facilitating the credit transaction.Namely,they are both a form of credit guaranty.The Large Numbers Law can be used to pool risks for guaranty organization s surety business.Therefor,surety,essentially,is also an insurance business.Because of the influence of law circumstances,surety insurance isn t equal to surety in China.There are adv...
出处
《保险职业学院学报》
2008年第1期60-64,共5页
Journal of Insurance Professional College
关键词
信用保险保证
保险保证
Credit Insurance
Surety Insurance
Surety
