随着改革开放的纵深发展,我国金融市场进入了建国以来前所未有的“活跃期”,金融业务呈交叉状,金融工具日趋多样化。然而,在繁荣图景的背后,我们不可忽视某些值得研究的问题。如有些地区的银行或信用社把借款人的财产保险合同作为贷款抵押。当保险公司根据保险合同赔偿损失时,银行或信用社凭所持保险合同要求优先受偿权,其理由是保险合同就是可 With the further development of reform and opening up, China’s financial market has entered an unprecedented “active phase” since the founding of the People’s Republic of China. Its financial business is cross-shaped and its financial instruments are increasingly diversified. However, behind the prosperous picture, we should not overlook some of the issues worth studying. For example, banks or credit unions in some areas charge the borrower’s property insurance contract as a loan. When the insurance company damages under the insurance contract, the bank or the credit union with the insurance contract in its claim priority claim, the reason is that the insurance contract is OK