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近来,在有些地区,银行或信用社把借款人的财产保险单做为贷款抵押品。当保险风险发生,保险公司根据保险条款理赔时,银行或信用社凭所持有的财产保险单要求优先受偿权,其理由是保险单就是可做抵押的有价证券。此观点和做法笔者难以苟同,关键在于模糊了保险单、有价证券、抵押品之间的区别与界线。 一、保险单与有价证券 证券是各类财产所有权和债权凭证的通称。保险单和有价证券均是证券的一种特殊类型。从“债权凭证”上看,二者之间具有一定共同特征。其中,保险单对持单者——被保险人来说,是代表一定债权的书面凭证,它具体表明,当保险标的由于保险风险而发生损失时,被保险人可以获得向保险人请求保险赔款和享受保险
Recently, in some areas, banks or credit unions used the borrower’s property insurance policy as a loan collateral. When the insurance risk occurs, the insurance company claims in accordance with the terms of insurance, banks or credit cooperatives with the possession of property insurance claims priority claims, the reason is that the insurance policy is to be able to mortgage securities. This view and practice difficult to agree with the author, the key is to blur the insurance policies, securities, collateral differences and boundaries. First, insurance policies and securities Securities are all kinds of property ownership and claims credentials. Insurance policies and securities are a special type of security. From the “debt certificate” point of view, the two have some common characteristics. Among them, the policyholder for the holder - the insured person, on behalf of certain claims is a written voucher, it shows that when the subject matter of the insurance loss due to insurance risks, the insured can be obtained from the insurer claims insurance indemnities And enjoy the insurance