武汉理工大学学报：社会科学版
武漢理工大學學報：社會科學版
무한리공대학학보：사회과학판
Journal of Wuhan University of Technology(Social Science Edition)
2010年
2期
218~222
,共null页
船舶抵押融资 抵押权 保险保障
船舶牴押融資 牴押權 保險保障
선박저압융자 저압권 보험보장
ship mortgage financing; mortgage; insurance protection
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。
在船舶融資牴押中,牴押權的實現會遇到牴押船舶減損的危險,其他優先物權競閤的風險以及船舶保險,船舶責任保險免責的風險。為瞭確保貸款的安全,銀行往往要求藉款人自行針對這些潛在的風險購買各種保險。因而要以船舶牴押權的實現為覈心,構建起船東保險權益讓與擔保和銀行自我保險的雙重保障體繫,以保證融資的安全。
재선박융자저압중,저압권적실현회우도저압선박감손적위험,기타우선물권경합적풍험이급선박보험,선박책임보험면책적풍험。위료학보대관적안전,은행왕왕요구차관인자행침대저사잠재적풍험구매각충보험。인이요이선박저압권적실현위핵심,구건기선동보험권익양여담보화은행자아보험적쌍중보장체계,이보증융자적안전。
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.
