Study On Life Insurance Policy Pledge

With the rapid development of modern economy and society,the development of China's insurance industry is no longer confined to traditional businesses.The function of insurance products has evolved from a purely protective function to a diversified function.What is particularly noticeable is that in recent years,life insurance policy pledge loans have been on the rise,and people are using policies to pledge loans to ease short-term capital flow risks.However,our country's relevant laws do not involve such a system,but indirectly acknowledge that it exists in individual clauses and does not clearly stipulate.The absence of law is not conducive to the steady development of this system.This article aims to analyze the legal relationship of the life insurance policy pledge rights,and put forward reasonable suggestions for the development of the system.In terms of content,the author started the discussion based on the idea of “ problem problem-analysis problem-solving the problem ” : The article first opened the door to the status quo and existing problems of the policy system of the mortgage insurance policy loan system.Thinking with questions can increase our focus on problem exploration.Through research on the status quo,practice and system defects of China's life insurance policy pledged loan legal system,we find that the relevant laws and regulations in China are somewhat fragmented and scarce,and cannot constitute a system for the protection and regulation of life insurance policy pledge rights,indicating the seriousness of the situation.It can cause academics and practitioners to pay enough attention to this system.Next,starting from the analysis of the basic principles,based on the analysis of the concept,the analysis of the special nature of life insurance policy and then determine whether it can be used to pledge loans to find the theoretical basis.The analysis of the value of this system shows the necessity of its development and the feasibility of effective regulation.This part is not only the knowledge of the life insurance policy pledge,but also lays the foundation for the full text research.Analyzes the legal relationship in the life insurance policy pledge system,analyzes the main body,the subject matter and the legal validity of the life insurance policy pledge right,and provides the legal basis for improving the system below.At the end of the article,the proposal to improve the system is also the core purpose of this article.In response to the problems existing in the legal system of policy pledged loans,comprehensive and targeted improvement measures have been proposed in all aspects in order to guide the improvement of the legal system of pledged loans for insurance policies in China.