履约保证保险或履约保证险（也称履约责任保险）是指保险公司向履约保证保险的受益人（即投资人）承诺，如果投保人（即债务人，这里专指借款人）不按照合同约定或法律的规定履行义务，则由该保险公司承担赔偿责任的一种保险形式。目前该险种应用范围已拓展至网贷行业，主要表现为：网贷平台为项目购买履约保险，经保险正式承保的项目，如借款人兑付逾期，保险公司将按照保单约定履行保险责任，投资人的利益将会得到充分保障。
履约保证保险存在两大理论争议，保证保险的性质和保证保险合同的独立性。
There are two controversial theories in the field of the guarantee insurance, which are the character of the guarantee insurance and the independence of the contract of guarantee insurance.
消费信贷的蓬勃发展，保险公司的积极加入，从而在我国催生了履约保证保险。
The expense credit vigorous development, the insurance company joins positively, thus expedited childbirth in our country has honored an agreement to guarantee the insurance.
汽车消费贷款虽然大多数有保险公司的履约保证保险，但风险仍然在很大程度上存在，并日趋显现出来。
Although auto consumption loan is insured by performance bond of the insurance companies, the risks still exist and emerge to a great extent.
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