信用经济是市场经济的必然产物,是市场经济发展的必然趋势。就我国的信用现状来看,信用缺失现象泛滥,假冒伪劣、合同违约、恶意逃债、债务拖欠、商业欺诈现象频发。担保物权制度设计意义在于,将信用经济以法律的方式予以确定和保护。担保物权促进信用经济发展,信用经济的发展对担保物权的发展,又起着能动的反作用。 Credit economy is the inevitable product of market economy and the inevitable trend of market economy. As far as China’s credit status quo is concerned, there are many phenomena of lack of credit, fake and shoddy goods, contract breach of contract, malicious escape, default in debt and commercial fraud. The design of security interest system is that the credit economy is determined and protected by law. Securing property rights promotes the development of credit economy. The development of credit economy plays an active role in the development of security interest.