| 保单质押贷款探析 |
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| 引用本文： | 孙宏涛,刁学峰.保单质押贷款探析[J].南京航空航天大学学报(社会科学版),2006,8(2):59-62. |
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| 作者姓名： | 孙宏涛 刁学峰 |
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| 作者单位： | 1. 上海交通大学,法学院,上海,200240
2. 山东省栖霞市委党校,山东,栖霞,265300 |
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| 摘 要： | 保单质押贷款是保单所有者以保单作为质押物,按照保单现金价值的一定比例获得短期资金的一种融资方式。保单质押贷款可以分为财产保单质押贷款和人身保单质押贷款。保单质押贷款的借款人应为投保人。在借款人不能按期清偿债务时,债权人可以凭借质押保单实现自己的债权。
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| 关 键 词： | 保单质押贷款 财产保单 人身保单 |
| 文章编号： | 1671-2129(2006)02-0059-04 |
| 修稿时间： | 2005年12月6日 |
An Exploration on the Impawning of Guarantee Slip |
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| SUN Hong-tao,DIAO Xue-feng.An Exploration on the Impawning of Guarantee Slip[J].Journal of Nanjing University of Aeronautics & Astronautics(Social Sciences),2006,8(2):59-62. |
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| Authors: | SUN Hong-tao DIAO Xue-feng |
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| Abstract: | The impawning of guarantee slip is a mode of financing,through which the owner of the guarantee slip impawns the guarantee slip and acquires short-term capital according to cash value of guarantee slip.The impawning of guarantee slip can be classified as the impawning of property slip and the impawning of personal slip.The borrower should be the policy-holder.When the borrower can not discharge debt on time,the creditor can implement the creditor's rights by right of the guarantee slip. |
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| Keywords: | the impawning of guarantee slip property slip personal slip |
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