浅析渔船保险对渔船抵押权人的利益保障机制

Analysis on the protection mechanism of fishing boat's insurance in safeguarding the mortgagee's interests

在国家"三农"政策指导下,金融资源更多为"三农"服务,助推现代渔业建设,以金融企业为主的渔船抵押业务得到了跨越发展。伴随我国"十三五"渔业发展的政策调整,加上海洋渔业的高风险性、远洋渔业的不确定性以及我国近海渔业资源的极度枯竭等因素的共同作用,渔船抵押权人的利益风险突显,本文将从抵押人投保、抵押权人投保、船舶抵押权人利益保险等方面初步探索渔船保险对渔船抵押权人的利益保障机制。

Under the guidance of the national policy of ＂Three Agricultures＂, the financial resources serve more for it, propelling the construction of modern fishery. The financial enterprise has been the main of fishing vessel mortgage business which develops by leaps and bounds. With the adjustment of the thirteen five policy about fishery development, the high risk of marine fishery, the uncertainties of offshore fishing, and the extreme exhaustion of China＇s offshore fishery resources, the risk of fishing vessel mortgagee＇s interest is highlighted. This paper will explore the protection mechanism of mortgagee＇s interest by the mortgagor＇s, mortgagee＇s insurance and the insurance of mortgagee＇s interest.