当今企业担保制度打破了传统的一物一权原则,以企业集合财产设立抵押的财团担保和浮动抵押已经成为各国企业担保的主要制度,但是浮动抵押对企业信用的要求以及允许自由流转集合财产的特点不适应我国社会信用体系的现有状况,因此,我国应采取更为可靠、有效的财团担保的方式。 Today’s corporate guarantee system has broken the traditional principle of “one by one with one property,” and the consortium’s guarantee and floating mortgage that establish mortgages with collective assets have become the major systems of corporate guarantees in various countries. However, the requirements of floating mortgages for corporate credit and the allowances for the free movement of collective assets Therefore, our country should take a more reliable and effective way to guarantee the consortium.