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担保是为债权的实现而设定的以第三人的信用或者以特定财产确保债权实现的法律制度。按照我国《担保法》的规定 ,担保方式分为保证、抵押、质押、留置和定金五种。随着我国保险业的快速发展 ,以人身保险合同设立担保 ,已经比较普遍。在目前国内的许多人身保险条款 ,尤其是寿险条款中 ,均有保险单质押借款的规定。鉴于人身保险合同不同于一般的民事合同 ,而且以保险单设立质押是实践中出现的新问题。因此 ,有必要对保险单质押问题进行理论上的探讨 ,以指导实践活动。
Guarantee is the legal system that is set up for the realization of the obligee's rights by using the credit of the third party or ensuring the realization of the obligee's rights with the specific property. According to China's “Law on Guarantee”, the guarantee method is divided into five kinds: guarantee, mortgage, pledge, retention and deposit. With the rapid development of China's insurance industry, it has become more commonplace to set up a guarantee for life insurance contracts. In the current domestic many life insurance clauses, especially the life insurance clauses, there are stipulations on insurance pledge loan. In view of the fact that life insurance contracts are different from common civil contracts, and the establishment of pledge with insurance policy is a new problem in practice. Therefore, it is necessary to conduct a theoretical discussion on the issue of policy pledge to instruct practical activities.