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有债的制度,就有债的担保,担保是法律规定或当事人约定以确保债权人的利益得以实现的法律措施,债的担保是现代民事活动中保证债权实现的一项重要法律制度,它随着商品经济发展而发展起来。完善担保法律制度是适应市场经济发展的需要,因而在《民法通则》、《经济合同法》关于担保制度的立法及多年的司法实践基础上,颁布了《中华人民共和国担保法》明确规定在借贷、买卖、货物运输、加工承揽等经济活动中,可以采用担保方式.抵押作为物的担保方式之一,在经济合同中广泛采用,尤其在银行贷款中大多采用抵押贷款方式。所谓抵押是指债务人或第三人不转移财产的占有,以该财产作为担保,当债务人不履行债务时,债权人
Debt system, there is a debt guarantee, security is the law or the parties agreed to ensure the interests of creditors to achieve legal measures, debt guarantees is to ensure the realization of creditor’s rights in modern civil activities is an important legal system, it with the Development of commodity economy developed. Improving the legal system of guarantee is to meet the needs of the development of market economy. Therefore, on the basis of the legislation of the General Principles of Civil Law and the Law of Economic Contract on the guarantee system and the judicial practice for many years, the Guarantee Law of the People’s Republic of China promulgated the law of the People’s Republic of China , Trading, cargo transportation, processing contracts and other economic activities, the guarantee can be used.Policies as one of the security of goods, widely used in economic contracts, especially in the use of bank loans, mostly in the form of mortgage loans. The so-called mortgage refers to the debtor or a third person does not transfer the possession of property, the property as a guarantee, when the debtor fails to perform its obligations, the creditor