论人身保险单的质押

人身保险单质押是权利质押.目前实践中主要以人身保险单的现金价值权为出质标的,从法律和质权的安全性考量,法律上应当明确人身保险单所表彰的投保人的现金价值权和被保险人、受益人的受益权均可以出质,投保人、被保险人、受益人均可作为出质人,而有关风险由质权人来考量和控制.人身保险单质权的设立和公示为确保交易便捷和安全,应当以登记...

The pledge of the life insurance policy

Life insurance policy pledge is a pledge of right.The current practice mainly uses the cash value of personal insurance policies as the subject of pledge.From both the legal perspective and the security of the right of pledge,specific legal provisions should be laid down to allow both the policy′s cash value belonging to the applicant and the beneficiary rights of the insured and the beneficiary to be pledged,and the applicant,the insured and the beneficiary can all act as the pledgor.The risks involved are to be judged and managed by the pledgee.The establishment and public disclosure of the personal insurance policy pledge can adopt the registration system to ensure operational convenience and security of the transaction.The realization of the personal insurance policy pledge right can be the receipt of the pledge right or the securitized pledge right.