通过对一般质权的比较分析，认为保险单质押属于权利质押中的债权质押。
Through the comparative analysis of general pledge, we regard the pledge of policy as the pledge of claim in the pledge of rights.
实践中债权质押中的无效率与破产程序中别除权的行使均影响担保权利的实现。
In practice the realization of the right of guarantee is influenced by the no-efficiency of credit mortgage and the exercise of the right of exception in bankruptcy procedure.
一般债权质押、浮动担保、一般债权让与担保在实践中运用广泛，均有立法必要性。
It is necessary to bring legislation to the practical application of general liability mortgage, floating guarantee and the guarantee for the transfer of liability.
由于一般债权的相对性、无体性等特点，引发了对一般债权质押制度与担保物权安全价值冲突的质疑。
Due to the relativity and bodiless feature of the pledge system of general creditor right, the conflict between and the value of security interest is questioned.
前款规定的债务人或者第三人为出质人，债权人为质权人，交付的动产为质押财产。
As mentioned in the preceding paragraph, the debtor or the third party is the pledgor, the creditor is the pledgee, and the movables delivered are the pledged property.
质押制度是当今社会经济生活中最重要的一项债权担保方式。
Pledge system is one of the most important creditor's rights guarantee form in social and economic life nowadays.
在借贷关系中，作为债权担保方式之一的权利质押，对贷款人实现权利可说是万无一失的保证。
In loan granting, pledged right, as a means of pledging the creditors rights, can guarantee the lenders rights with perfect safety.
股票质押的目的主要在于保证债权人的债权的实现。
The purpose of stock pledge lies in guaranteeing the rights of creditors.
第二百一十九条债务人履行债务或者出质人提前清偿所担保的债权的，质权人应当返还质押财产。
Article 219 Where the debtor repays the debts or the pledgor pays off in advance the debts he guaranteed, the pledgee shall return the pledged property.
第二百一十一条质权人在债务履行期届满前，不得与出质人约定债务人不履行到期债务时质押财产归债权人所有。
Article 211 Before the maturity of the debts, the pledgee shall not conclude an agreement with the pledgor that ownership of the pledged property go to the pledgee if the debtor defaults.
第二百一十九条债务人履行债务或者出质人提前清偿所担保的债权的，质权人应当返还质押财产。
Article 219 Where the obligor has paid off the debts or the pledger has fulfilled the secured obligee's rights in advance, the pledgee shall return the pledged properties.
第二百一十九条债务人履行债务或者出质人提前清偿所担保的债权的，质权人应当返还质押财产。
Article 219 Where the obligor has paid off the debts or the pledger has fulfilled the secured obligee's rights in advance, the pledgee shall return the pledged properties.
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