论保单质押制度

发布时间：2018-10-15 18:57

【摘要】：保单可以出质,设立权利质权。投保人可以作为保单质押的出质人,受益人在一定条件下也可成为保单质押的出质人,但被保险人不能作为出质人。保单的种类繁多,能够质押的保单须符合一定的条件。质权人因持有质押标的之保单,所以也应具有保险合同的解除权。在抵押权物上代位与保单质权发生竞合时,应以通知生效时间与抵押权登记时间之先后确定两种权利的优先性。保险人对出质事项的无异议承诺并不会因此丧失对出质人的抗辩权,而是根据保险人在签订保单质押合同时的行为来决定是否享有抗辩权。保单在质押的过程中,会出现很多法律问题,需要完善相关法律来规范,并且须确保保单在质押过程中的条件的合理控制。出质人须将具有现金价值的保单交付给质权人,将设定质权的事实通知保险人,保险人须作出相应的批注。
[Abstract]:Insurance policies can be pledged, the establishment of a pledge of rights. The policyholder can be the pledge of the policy, the beneficiary can also be the pledge of the policy under certain conditions, but the insured can not act as the mortgagee. There are a wide variety of policies that can be pledged to meet certain conditions. The mortgagee should also have the right to rescind the insurance contract because he holds the policy on the subject matter of the pledge. When the subrogation of hypothec is competing with the pledge of the policy, the priority of the two rights should be determined by the time of the effective notice and the time of the registration of the mortgage. The insurer's no-objection commitment to pledge matters will not lose the right of defense to the mortgagor, but will decide whether the insurer has the right of defense or not according to the behavior of the insurer when signing the policy pledge contract. There are many legal problems in the process of pledge, which need to perfect the relevant laws to regulate, and to ensure the reasonable control of the conditions of the policy in the process of pledge. The mortgagor shall deliver the policy with cash value to the mortgagee, inform the insurer of the fact of the creation of the pledge, and the insurer shall make a corresponding endorsement.
【学位授予单位】：烟台大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.284

【相似文献】