保单贷款相关问题初探

Theoretical Exploration on Policy Loan

近几年来,以保单为质押的贷款形式正在中国迅速发展。保单贷款作为一种新型的融资工具,对投保人、保险公司及其他金融机构、被保险人或受益人有重要影响。本文通过对保单贷款的特征及所引起的法律、监管问题的分析,提出了加强保单贷款管理的对策,包括完善保险法律、法规,明确保单贷款的地位和经营规范;加强监管,规范保单贷款的运作;保险公司加强业务管理,提高偿付能力,维护良好的客户关系等。

In the recent years, loan based on guarantee policy is rapidly developing in china. As a new financing tool, it has a great effect on applicant, insurance companies, the insured, beneficiaries and other financial institutions. In this paper, the feature of policy loan and the legal and regulatory issues caused by it are analyzed and the measures to reinforce the administration of policy loan are brought forth which include the completion the insurance law and rules, the validation of the standing of policy loan and its operating norms, the reinforcement of the regulation, the standardization of its operation, the reinforcement of insurance companies＇ operational management, the improvement of the solvency and the maintaining of the good customer relalions.