海域使用权抵押贷款是指在不转移海域使用权占有的情况下,将海域使用权作为债权担保,向银行机构申请贷款,当债务人不履行债务时,银行机构有权依法处分该海域使用权,并由处分所得的价款优先受偿。据对山东省海域渔业部门、银行机构的调查,海域使用权抵押贷款业务起步较早,目前步入逐步推广阶段。 The right to use sea area mortgage refers to the right to use the sea area as the credit guarantee without using the right to use the sea area, apply for a loan from the banking institution, and when the debtor defaults, the banking institution has the right to dispose of the right to use the sea according to law The proceeds from disposition will be given priority. According to a survey of fishery departments and banking institutions in the sea area of ​​Shandong Province, the mortgage loan business of maritime right-to-use started earlier and has now entered a stage of gradual promotion.