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为强化个人贷款担保,确保银行担保债权的顺利实现,贷款银行通常在个人贷款格式合同中约定,借款人须以担保物保险金清偿借款债务。本文结合商业银行个人贷款业务实际及具体案例,分析了担保物保险中有关各方的权利义务,揭示了担保物保险金赔偿条款潜在的法律风险,并提供相应的建议与防范措施。
In order to strengthen the personal loan guarantee and ensure the smooth realization of the bank guarantee claims, the loan banks usually stipulate in the personal loan contract that the borrower shall repay the loan debt with the guarantee insurance fund. This paper analyzes the rights and obligations of parties involved in the collateral insurance in light of the actual situation and the specific case of the personal loan business of the commercial bank, reveals the potential legal risks of the clauses of the insurance collateral, and provides corresponding suggestions and preventive measures.