保单贷款

保单贷款：未发掘的金矿

Policy loan : An Un-exploited Gold Mine

保单贷款相关问题初探

Theoretical Exploration on Policy Loan

保单贷款业务作为保险公司特有的金融服务项目，具有自身的特点和优势。

As the unique financial service offered by life insurance companies , policy loan is known for its characters and advantages .

保单贷款作为一种新型的融资工具，对投保人、保险公司及其他金融机构、被保险人或受益人有重要影响。

As a new financing tool , it has a great effect on applicant , insurance companies , the insured , beneficiaries and other financial institutions .

保单质押贷款业务之分析

Analysis on Business of Mortgage Loan with Policy of Insurance

保单质押贷款的借款人应为投保人。

The borrower should be the policy-holder .

其中，主要包括两大类：保单质押贷款证券化和寿险保单证券化。

It mainly includes two categories : policy loans securitization and securitization of life insurance policy .

保单质押贷款的法律分析

Legal Analysis on Policy Loan

保单质押贷款能满足广大要保人与保险人的需求，具有重要的经济和社会意义。

Policy loan plays an important role in economy and society by meeting the needs of insurants and insurer .

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。

The impawning of guarantee slip can be classified as the impawning of property slip and the impawning of personal slip .

同时，对我国保险公司可能实施资产证券化的道路进行了探索，包括前文提到了保单质押贷款证券化和基础设施资产证券化。

Meanwhile , the thesis make a bold explore , aiming to break a new path of Chinese insurance securitization including the previously mentioned policy loans securitization and securitization of infrastructure assets .

以保单质押进行贷款，作为新兴的融资手段已为理论界广泛的接受，在实践中已有银行及保险公司开展此类业务。

Insurance policy mortgage loan , as a new means of financing has widely accepted by theorists . Banks and insurance companies already have carried out such operations in practice .

因此，同意你公司对已签发的寿险保单办理保单质押贷款。

Thus , we approve your company to offer policy mortgage loans for the issued life insurance policies .

虽然以保单设定质押进行贷款对于银行和保险公司而言是风险较小的优质贷款，但风险依然是存在的。

Although policy mortgage loan is little risk to banks and insurance companies , but the risk still exists .