Abstract:

The  personal  loan  credit  guarantee  insurance  is  a  kind  of  new  pseudo  business  in  China.   It  is mainly  used  in  personal  loan  business  to  prevent  and  resolve  the  credit  risk  of  bank.   The  insurance  business carried  out  after  a period of time,  around the insured ( debtor)   malicious fraudulent loans,  intensified evasion of  debts,  insurance companies the risk of a sharp increase,  the emergence of a large number of legal disputes. Clear  personal  loan  credit  guarantee  for  the  legal  nature  and  legal  insurance  to  regulate  personal  loan  credit guarantee  insurance of the parties,  to effectively safeguard the interests of all parties is particularly important. In  this  paper,   under  the  premise  of  the  legal  nature  of  the  insurance  in  the  personal  loan  credit,   insurance contract,   has  carried  on  the  key  analysis on the  legal  issues of  the  implementation of  insurance  claims rights.

Key words: personal , loan, guarantee , insurance, applicable , law, insurance , contract, insurance , dispute