Consumer Loan Guarantee Insurance Law Suitable Problem In This Paper

Consumer loan guarantee insurance business in our country it is"scored two goals". Contrast the circ in March2004, in June2009, two "aboutauto loan guarantee insurance business of notice of documents, it is notdifficult to see this business experience, the development and decline of thedevelopment of again. Related litigation and theory is also experienced adebate from2004years before and after "blustery" by the end of2008"disappeared" and now in "have" and gradually the development trend. In orderto make consumer loan guarantee insurance business no longer repeat, shouldbe from the perspective of judicial practice, in the correct reading theconcept, rational analysis of the legal nature, under the premise of clearconsumer loan guarantee insurance disputes and related loan disputes can beconsolidated, policy-holder malicious fraud of the crime of torture peoplesuspected of consumer loans, cross guarantee insurance contract theindependence of consumer loan guarantee insurance clauses and cooperationagreement, the validity of the priority consumer loans guarantee insuranceand guarantee the coexistence of real realization of the creditor’s rightsand the other common problems for the law. So that the current new consumerloan guarantee insurance case in judicial can achieve high of harmony andunity.