担保制度是市场经济中不可缺少的部分,随着我国经济体制改革的不断深入,担保制度的重要性逐步凸显出来。我国现有的担保制度,对于保障债权人的利益实现,保障交易安全,促进我国市场经济的发展方面,一直发挥着非常积极的作用。但是另一方面,实践的发展也对于现行的担保制度提出了挑战,司法实践中出现的非典型担保难题,也对于担保物权的立法提出了迫切的要求。 The guarantee system is an indispensable part of the market economy. With the continuous deepening of China’s economic system reform, the importance of the guarantee system has gradually been highlighted. The existing guarantee system in our country has been playing a very positive role in ensuring the interests of creditors, ensuring transaction security and promoting the development of market economy in our country. However, on the other hand, the development of practice also poses challenges to the current guarantee system. Atypical guarantee problems in judicial practice also pose urgent requirements for the legislation of security interest.