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担保物权是信用建设中将人格化的信用转化为制度化信用不可或缺的一项重要手段。该项制度亦是现代民商事、经济活动中保证债权实现的一项重要法律制度,在社会主义市场经济体制下,债权人的合法利益能否得到有效的保护,债务人承担的债务能否得到切实履行,不仅关系到广大经营者的切身利益,还关系到商品流通和资金融通的命运,更关系到国家信用建设的成败以及整个国家的国家信仰与未来发展。为了确保市场信用建设,强化主体融资功能,促进商品流通,确保交易安全,增强债的效力,保障债权的实现,改善经济运行法律环境,稳定和维护市场经济秩序,推动国际贸易和国际金融等经济活动的发展,建立一套完善的担保法律制度是非常必要的。
Secured property rights is an important means of transforming personalized credit into institutional credit in credit construction. This system is also an important legal system for guaranteeing the realization of creditor’s rights in modern civil, commercial and economic activities. Under the socialist market economy, can the legitimate interests of creditors be effectively protected and the debts borne by the debtor can be effectively implemented Is not only related to the immediate interests of the majority of operators, but also relates to the fate of commodity circulation and financial intermediation, but also the success and failure of the country’s credit construction and the national faith and future development of the entire country. In order to ensure the construction of market credit, strengthen the financing function of the main body, promote the circulation of commodities, ensure the security of transactions, enhance the effectiveness of debts, guarantee the realization of claims, improve the legal environment for economic operation, stabilize and maintain the order of market economy, and promote the economic development of international trade and international finance The development of activities, the establishment of a sound legal system is very necessary guarantee.