文档介绍：定投保人的如实告知义务,但在保证保险合同中,被保险人与投保人存在基础的交易关系,对投保人的资信状况较为熟悉,因此,依最大诚信原则被保险人也应当承担如实告知义务,银行也不能因为存在保证保险的庇护而忽视对投保人信用考察的法定审贷义务。保险人的主要义务是保险条款说明义务和保险责任承担义务,主要权利是在向被保险人给付保险赔偿金后享有代位求偿权。保证保险人保险责任范围除贷款金额外还应当包括投保人不履行贷款合同约定还款义务而造成的逾期利息,而对于罚息及违约金则排除在保险责任范围之外,原因在于保证保险合同作为财产保险合同严格遵循损害填补原则,享有保险金请求权的被保险人不能取得额外利益。保险人不得将投保人的故意违约行为列为免责事由,保证保险合同正是出于投保人信用的不确定性而能够为被保险人银行的资金安全提供有效的风险分散途径。在分析保证保险合同的内容后,针对实践中出现的纠纷问题,提出相应的解决对策,明确保证保险合同独立于借贷合同,合作协议与保证保险合同的效力也相互独立, 二者在规定内容重复的情形下不应简单认定何者效力优先,应当分别情况具体问题具体分析。此外,保险人不得以先行使担保权作为承担保险责任的前提,除非合同中有特别约定。关键词:保证保险合同,如实告知义务,代位求偿权,保险责任 ABSTRACT Guaranteeinsurance toprotect creditors’interests,tostrengthen theroleofcreditandotheraspects of theinsured loans,has e widely accepted intheconsumer mortgage loans,panies are alsoactivelydeveloping to e'nsure thatinsurance products toexpand theinsurance ,with theexpansion oftheguarantee insurance inChina,judicial practice hasbeenarousing variousdisputes,the typicalproblems mainly asthefollowing:whether theinsurerwillhave theobject ofinsurance interest; whether theloan contract defects orinvalidwill affect theeffectiveness ofinsurancecontract;whether it shallprevail thattherightsandobligation incooperation agreement oftheunderwriter pared t0 theguarantee insurancecontractagre斌nent;whether the guaranty insurance insurers’ responsibility isas aprecondition thattheinsured provides theeffective guarantee tothem. ne solution t0ensure theinsurance contract,insurableinterest,and loan contracts,relations of cooperation agreements,we should firstmake a clear definition of the nature of insurance andpractitioners’debate ofthe nature theinsurancecontract arealsoheated,there arc threemain views:one view isthatguarantee insurancecontracts is aguaranty,another view isthatthe insurancecontract isinsurance,the last viewis amixture authorthinks that guarantee insurancecontractstrictlydistinguishes thesuretyship contrac4 guarantee insurance contract for loancontract creditorsoftheperforma