履约保证保险合同性质认定的实证研究

An Empirical Study on the Nature of Performance Guarantee Insurance Contract

摘要: 履约保证保险合同作为具有一定担保功能的保险合同，其在我国保险法律制度中并无明确规定，仅仅被列入保险公司的财产保险业务范围。其法律性质不明使得司法裁判中面对类案存在不同处理。本文通过对一定案例样本的总体描述和具有代表性的个案详细分析，发现并总结我国司法领域对履约保证保险性质认定的裁判现状，总结共识性审判逻辑，明确了履约保证保险的保险合同性质以及同保证合同的根本区别，为履约保证保险相关法律规则的完善提供了一定建议。

Abstract: As an insur-ance contract with a certain warranty function, the performance guarantee insurance contract is not clearly stipulated in China’s insurance legal system. The legal nature of the contract is unclear, which leads to different treatment of similar cases in judicial decisions. Through the overall de-scription of a certain sample of cases and the detailed analysis of representative cases, this paper summarizes the current situation of the judgment on the nature of performing guarantee insurance in judicial field of China, clarifies the nature of the insurance contract and provides some sugges-tions for the perfection of the relevant legal rules.