寿险保单质押作为一种新型的融资方式,涉及投保人、被保险人、保险受益人、保险公司及其他金融机构的利益,法律关系较为复杂,操作过程中存在法律适用依据模糊、质押标的不确定、质押当事人界定及其权利义务的划分不明确等法律问题有待理顺。我国应在《保险法》中将寿险保单质押面临的法律争议问题加以明确规定,同时对此项业务面临的风险采取有效的防范措施。 As a new type of financing, life insurance pledge involves the interests of policyholders, insureds, beneficiaries of insurance, insurance companies and other financial institutions. The legal relationship is complicated. There are ambiguous laws applicable in the operation, and the pledge of the pledges is uncertain , Pledged parties to define the rights and obligations of the division is not clear and other legal issues to be straightened out. China should clearly stipulate the legal dispute that the life insurance policy pledge faces in the “Insurance Law”, meanwhile take effective precautionary measures against the risks the business faces.