Application and generalization of engineering surety bond Discussion on necessity of establishing a risk management mechanism at engineering insurance market

工程 保证 担保制度应用与推广工程 担保市场应建立风险管理机制

Guaranty insurance should be a way of surety instead of insurance on the base of existence reason liability and operation .

无论是在存在原因、责任还是在运作上，保证保险都应当属于一种 担保方式而非 保险 经营。

A surety bond involves three parties : the surety the principal and the obligee ; while an insurance contract generally involves two parties : the insurer and the insured .

保证保险涉及 保证 人、被保证人和权利人三方，而 保险合同通常只涉及保险人和被保险人两方。

The author believes that as a kind of special property insurance guarantee insurance has its system value because it is different from the general property insurance surety bond and credit insurance .

笔者认为，保证保险作为一种特殊的财产保险，有独立的制度价值，其有别于一般财产保险、 保证 担保和信用 保险。

Based on the theory and practice research this paper discussed the new-born surety bond through the following aspects : the principals of insurance law the comparative analysis and the use of special institutions .

本文采用理论研究和实践研究相结合的方法，对 保证保险这一新兴 险种从 保险法原理、比较分析、特殊制度适用等几个方面进行了讨论。