物权法在吸收担保法的基础上,对担保物权制度做了补充、修改和完善,其中扩展了实现担保债权的事由;区分了担保物权合同的债权效果和担保物权变动的物权效果;增加了担保物权适用范围;扩大了担保物权的物上代位物的范围;合理规定了物保和人保的行使顺序;在抵押权方面扩大了抵押物的范围,创设了浮动抵押制度等。 On the basis of absorbing the guarantee law, the Property Law supplements, modifies and improves the system of secured property rights, which expands the reasons of realizing the secured claims; differentiates the effect of the claims of the secured contract of real rights and the effect of the real right of the change of the security interests; Increase the scope of application of security interests; expand the scope of the substantive proxies of security interests; rationally stipulate the sequence of exercise of material and personal security; expand the scope of mortgage and expand the floating mortgage system.