保单质押的基本法律问题探析——实践的审视与规则的梳理

Law analysis of the pledge of policy——examine of practice and systematic review of rules

保单质押贷款在金融实务中普遍使用,但是由于实体法中缺乏明确的规定,作为一种权利质押形式,保单质押游离于法律体系之外。保单质押的标的是保单现金价值请求权和投资保障性财产保单之给付金受领权,该两项权利具有可质性。具有现金价值是人寿保单质押设立的前提,只有投保人具有以保单出质的权利,交付、通知保险人、被保险人的同意是保单质押公示的方式。与其他权利质相比,保单质押具有一些特殊的效力。

Policy loan is widely used in the field of finance,but the pledge of policy is outside of the legal system because of the absence of explicit law and regulations . the object of pledge of policy is cash value of life policy and fixed benefit of investment--style insurance propety isurance policy . cash value is the first factor of the pledge of policy ,and the deliery of policy ,infoming insurer ,. and the consent of insurant is other factors. Compared with other right pledge,the pledge of policy has spacial efficacy.