论银行船舶抵押权之保险保障  

On How to Insure Bank's Benefits on Ship Mortgage

作　　者：朱嵬[1] 

机构地区：[1]武汉大学法学院,湖北武汉430072

出　　处：《武汉理工大学学报（社会科学版）》2010年第2期218-222,共5页Journal of Wuhan University of Technology:Social Sciences Edition

基　　金：教育部人文社会科学重点研究基地重大项目(06JJD820006)

摘　　要：在船舶融资抵押中,抵押权的实现会遇到抵押船舶减损的危险,其他优先物权竞合的风险以及船舶保险,船舶责任保险免责的风险。为了确保贷款的安全,银行往往要求借款人自行针对这些潜在的风险购买各种保险。因而要以船舶抵押权的实现为核心,构建起船东保险权益让与担保和银行自我保险的双重保障体系,以保证融资的安全。Though bank can ask ship owner to provide a ship mortgage,the bank＇s rights are not safe.The ship mortgage may be destroyed.The bank＇s rights may lag behind other maritime priorities.The insurer may not compensate for the losses because shipowner violates the obligations.To secure the loan,bank always asks the debtor to provide other insurance.Bank＇s mortgage rights can be protected through these measures.It is necessary to insure bank＇s mortgage by bank itself or by ship owner to secure bank＇s loan.

关 键 词：船舶抵押融资 抵押权 保险保障 

分 类 号：D913[政治法律—民商法学] D922.284[政治法律—法学]