【摘要】 传统船舶交易中，抵押船舶过户需提前还贷解押，存在高资金成本与低流转效率的缺陷，为响应市场需求，船舶“带押过户”政策应运而生。以《中华人民共和国民法典》《船舶登记工作规程》为依据，详细阐述船舶“带押过户”的业务流程，剖析实践中暴露的制度性与技术性问题，包括抵押合同补充协议备案机制缺失、船舶登记系统信息更新滞后等，并针对上述困境提出优化登记系统功能、建立补充协议备案制度等可行性建议。更多还原

【Abstract】 In traditional vessel transactions, the transfer of mortgaged vessels requires early loan repayment and discharge of the mortgage, which results in high capital costs and low transfer efficiency. In response to market demand, the policy of allowing the transfer of vessels with existing mortgages has emerged. Based on legal provisions including the Civil Code of the People’s Republic of China and the Regulations on the Working Procedures for Vessel Registration, this paper elaborates on the operational process of vessel transfer with existing mortgages, and analyzes institutional and technical problems revealed in practice, including the lack of a filing mechanism for supplementary mortgage agreements and delays in information updates in the vessel registration system. To address these difficulties, this paper proposes feasible suggestions, such as optimizing the registration system functions and establishing a supplementary agreement filing system.更多还原