1, different policyholders: Insurance refers to an insurance company that guarantees the debtor's credit at the request of creditors; Guarantee insurance means that the debtor insures his creditor's rights with an insurance company at the request of the creditor.

2. Different protection methods: Credit insurance is underwritten by filling out a policy, which is not much different from other property insurance policies. Short-term credit risks with an underwriting period of 3-6 months mainly include credit insurance, enterprise credit insurance and personal credit insurance.

3. Different risks: In credit insurance, the insurer bears real risks, and most or all of the premium must be used for payment. Guarantee insurance is a letter of guarantee issued by the insurer, and all the obligations performed are still borne by the obligor, so there is no risk transfer and the risk is relatively small.

4. The nature of insurance is different: ensure that the insurance uses the company's credit insurance; Credit insurance bears great risks.

5. Different insurance premiums: the insurance premium paid by the guarantee insurance is the guarantee fee; The premium of credit insurance is mainly used to establish compensation funds.