保单质押贷款是一种新型融资方式,是保单所有者以保单作为质押物,按照保单现金价值的一定比例获得短期资金的一种融资方式,对金融机构经营多元化具有重要意义。目前,保单质押贷款业务发展迅速,有很大的潜在发展空间,但保单质押贷款特别是寿险保单质押贷款,由于其本身的特殊性和复杂性,缺乏相应的法律规范,统计口径又游离于监管之外,存在跨行 Policy-impawned loan is a new financing method. It is a kind of financing method that the policy owner obtains the short-term funds according to a certain proportion of the policy cash value with the policy as the pledge, which is of great significance to the diversification of the financial institutions. At present, the policy mortgage loan business is developing rapidly with great potential for development. However, due to its own particularity and complexity, policy-impaired loans, especially life insurance policy-impaired loans, lack corresponding legal norms and the statistical standards are free from regulation In addition, there are inter-bank