There are various theories concerning the concept of guarantee insurance, including credit insurance, contract insurance, liability insurance, guarantee, etc . based on the analysis of the above theories, the author clarifies his own cognizance of the concept of guarantee insurance 最后,第四章分析了在实务中常见的问题,研究了代位求偿权、保险合作协议和汽车消费贷款履约保证保险合同项下的担保三个问题。