随着经济形势的发展,近几年来沿海地区群众中自发出现了一股个人集资买船、造船热。由于投资较大,单凭个人或少数几个人合伙投资会有较大的资金缺口,绝大多数情况下都要通过向银行申请贷款来解决。为减少投资风险,银行要求申请人须提供一定的担保,进而引发了一系列问题。本文拟通过实例阐述贷款担保与船舶所有权的关系及处理对策。某渔民经渔业行政主管部门批准,在自筹部分资金的基础上,由某管理站(系自收自支管理型事业单位)担保向银行申请贷款,建造一艘单拖网渔船,作 With the development of the economic situation, in recent years there has been a spontaneous emergence of an individual in the coastal areas to buy a boat and build ships. Due to large investment, individual or a few individuals will have a larger funding gap, in most cases should be resolved by applying for a loan to the bank. In order to reduce the investment risk, banks require the applicant to provide some guarantee, which in turn triggers a series of problems. This article intends to explain the relationship between loan guarantee and ship ownership by means of examples and countermeasures. A fisherman, approved by the fishery administrative department, applies for a loan from a bank secured by a management station (self-supporting managed institution) on the basis of part of the raised funds to construct a single trawler for