近一段时间来,相当多的船舶保险合同中约定了第一受益人这一主体,这是因为船舶价值较大,在买卖或建造过程中买受人或建造人通常都要进行融资。由于船舶在水上或海上不断地漂移,处于不确定状态,发生事故的风险也较其他保险标的物大,所以,越来越多的债权人为确保其债权的安全,将融资与船舶保险合 In the recent period, quite a few ship insurance contracts stipulate the first beneficiary as the value of the ship is relatively large and the buyer or builder usually buys the funds during the sale or construction. As the ship is constantly drifting on the water or sea, in an uncertain state, the risk of accidents is also larger than the other insured objects, so more and more creditors in order to ensure the security of their claims, the insurance and ship insurance