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Songxian Sub-Branch of Agricultural Bank of China v. Zhao Jianshe, Songxian Sub-Branch of China Life Insurance Co., Ltd. etc. (dispute over loan guarantee contract and surety insurance contract)
中国农业银行股份有限公司嵩县支行诉赵建设、中国人寿保险股份有限公司嵩县支公司等借款保证合同、保证保险合同纠纷案——保证保险合同法律性质的判定及关联诉讼的合并审理
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   Songxian Sub-Branch of Agricultural Bank of China v. Zhao Jianshe, Songxian Sub-Branch of China Life Insurance Co., Ltd. etc. (dispute over loan guarantee contract and surety insurance contract)
(dispute over loan guarantee contract and surety insurance contract)
中国农业银行股份有限公司嵩县支行诉赵建设、中国人寿保险股份有限公司嵩县支公司等借款保证合同、保证保险合同纠纷案——保证保险合同法律性质的判定及关联诉讼的合并审理

[Key Terms] related civil disputes ; joinder ; independence ; relevance
[核心术语] 民事关联纠纷;合并审理;独立;关联

[Disputed Issues]
Whether a surety insurance contract dispute and a loan guarantee contract dispute can be related civil disputes and thus subject to a joinder?
[争议焦点] 保证保险合同纠纷与借款担保合同纠纷是否属于民事关联纠纷案件,可以合并审理?

[Case Summary]
Related civil dispute cases refer to two or more correlative but independent lawsuits each of which can be tried separately. Joinder of related civil dispute cases refer to handling the two or more correlative civil dispute cases and rendering judgment together. Therefore related civil dispute cases shall have the following features: (1) there are two or more independent lawsuits...
[案例要旨] 民事关联纠纷案件是指两个或两个以上具有相互关联独立之诉每个独立之诉均可单独审理的民事纠纷案件。民事关联纠纷案件的合并审理就是将两个或两个以上具有相互关联的民事纠纷案件合并在一个案件中进行审理并作出裁判。据此民事关联纠纷案件具有以下特征: 1.须有两个或两个以上独立之诉。每个独立之诉包含诉讼主体、诉讼标的和诉的理由三要素。2.各独立之诉在诉讼标的或法律事实之间具有一定的关联性。3.具有相关联的各独立之诉均属民事案件均由同一法院管辖。4.一个独立之诉起诉到法院后...

Full-text is omitted.

 

中国农业银行股份有限公司嵩县支行诉赵建设、中国人寿保险股份有限公司嵩县支公司等借款保证合同、保证保险合同纠纷案——保证保险合同法律性质的判定及关联诉讼的合并审理

  关键词:民事诉讼;借款保证合同;保证保险合同;合并审理
 【裁判要点】
 借款人与银行签订的银行自身代理的保险业务并约定以本银行机构为受益人,旨在保证金融机构债权实现的保险合同,银行应当优先行使自身受益人权利。
 借款人与保险公司签订的以金融机构为受益人的保险合同,具有担保性质,就同一债权债务关系引发的借款保证合同纠纷是具有关联关系的民事案件,可以合并审理。
 【相关法条】
 中华人民共和国担保法》第十八条当事人在保证合同中约定保证人与债务人对债务承担连带责任的,为连带责任保证。
 连带责任保证的债务人在主合同规定的债务履行期届满没有履行债务的,债权人可以要求债务人履行债务,也可以要求保证人在其保证范围内承担保证责任。
 第二十一条保证担保的范围包括主债权及利息、违约金、损害赔偿金和实现债权的费用。保证合同另有约定的,按照约定。
 当事人对保证担保的范围没有约定或者约定不明确的,保证人应当对全部债务承担责任。
 中华人民共和国保险法》第十七条订立保险合同,采用保险人提供的格式条款的,保险人向投保人提供的投保单应当附格式条款,保险人应当向投保人说明合同的内容。
 对保险合同中免除保险人责任的条款,保险人在订立合同时应当在投保单、保险单或者其他保险凭证上作出足以引起投保人注意的提示,并对该条款'的内容以书面或者口头形式向投保人作出明确说明;未作提示或者明确说明的,该条款不产生效力。
 第二十三条保险人收到被保险人或者受益人的赔偿或者给付保险金的请求后,应当及时作出核定;情形复杂的,应当在三十日内作出核定,但合同另有约定的除外。保险人应当将核定结果通知被保险人或者受益人;对属于保险责任的,在与被保险人或者受益人达成赔偿或者给付保险金的协议后十日内,履行赔偿或者给付保险金义务。保险合同对赔偿或者给付保险金的期限有约定的,保险人应当按照约定履行赔偿或者给付保险金义务。
 保险人未及时履行前款规定义务的,除支付保险金外,应当赔偿被保险人或者受益人因此受到的损失。
 任何单位和个人不得非法干预保险人履行赔偿或者给付保险金的义务,也不得限制被保险人或者受益人取得保险金的权利。
 第三十条采用保险人提供的格式条款订立的保险合同,保险人与投保人、被保险人或者受益人对合同条款有争议的,应当按照通常理解予以解释。对合同条款有两种以上解释的,人民法院或者仲裁机构应当作出有利于被保险人和受益人的解释。
 【案件索引】
 一审:河南省嵩县人民法院(2012)嵩城民初字第103号(2013年1月14日)
 ......



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