保证保险是保险公司对分期付款消费提供的一种险种,现行法律对其并未有直接的规定,实践中各地法院对其性质认定不一,同时,实践中其与银行与保险公司之间签订的《合作协议》关系应如何处理,各地法院裁判体现了不同结果,本文就保证保险合同性质以及其与《合作协议》如何适用进行讨论,期以提供理论上的参考。 Assurance insurance is a kind of insurance offered by insurance companies to installment payment. The current law does not directly regulate it. In practice, the courts of different jurisdictions have different qualifications, and in practice, they sign the agreement with banks and insurance companies How to deal with the relationship between the “cooperation agreement”, the different court judgments reflected different results, this article on the nature of the insurance contract and its “cooperation agreement” to discuss how to provide a theoretical reference.