| In today’s society,the function of property circulation is more and more valued by more and more people.Insurance is not only used to disperse risks and absorb losses,but also has multiple functions such as savings and investment.With the advantages of policy pledge business being accepted,policy pledge is being widely used in real economic life.However,it is a pity that the policy pledge is always in the state of legal vacancy,which makes the standardization and operability of the policy pledge loan business inadequate,bringing great risks to both parties involved in the pledge.The lack of legislation reveals the deficiency of theoretical research,so it is necessary to study the policy pledge system.In addition to the introduction and conclusion,the body is divided into four parts.The first part is an overview of the policy pledge.Policy pledge is studied on the basis of the system of pledge of rights.Not all policies can be pledged.Policies that can be pledged should have cash value and transferability.On this basis,the insurance policies are classified into property insurance policies and personal insurance policies,and the types of insurance policies that can be pledged are analyzed to lay a theoretical foundation for the following.The second part analyzes the establishment of pledge right.The pledge of insurance policy involves many relations,and there should be certain restrictions on the parties to the pledge.At the same time,this chapter points out that the pledge of insurance policy can take effect only when a written contract is signed and the pledge contract is delivered to the pledgee.This chapter has a clearer definition of the pledge of insurance policy.The third part expounds the validity and realization of the pledge of insurance policy.The effect of the pledge of insurance policy is mainly in the impact on the rights and obligations of both parties.The realization of the pledge of insurance policy mainly includes the realization way and the realization period.In the realization period of pledge right,it mainly focuses on the sequence of the pledge period and the insurance period.The fourth part analyzes the risks of policy pledge in China and the preventive measures.Policy pledge is mainly in China is facing a lack of legal norms of legal risk and regulatory risk,according to this,this chapter points out that the first need to clarify the legal status of insurance policy pledge,then policy pledge of specific rules,including the scope,the rights and obligations of the parties and the pledge contract require specifications,such as the content,the public policy pledge at the same time also need to improve the regulatory system,in order to better development.With the continuous development of the policy pledge business and the gradual attention of relevant scholars at home and abroad to the system,it is believed that China’s legislation can make it continuously improve and enrich,and the policy pledge business can realize the final efficient and standardized development. |
