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2007年10月1日开始实施的《物权法》明确了国家、集体、私人和其他权利人的物权以及对物权的保护制度。作为确认财产、利用财产和保护财产,调整因物的归属和利用而产生的民事关系的基本法律,相对于《担保法》关于担保制度的规定,《物权法》除了对我国现行担保物权制度中担保物的范围予以确定之外,还新设了一系列《担保法》中没有规定或规定不明确的担保物权,对物权担保制度作出了许多创新性的规定。深入理解《物权法》关于物权担保制度的新规定,既有助于市场经济主体有效地利用资源,实现物尽其用;又有助于银行等金融机构依法利用和实现担保物权,维护自身合法权益。
The Real Right Law, which came into force on October 1, 2007, clarified the real rights of state, collective, private and other rights holders and the system of protection of real rights. As the basic law of confirming the property, using the property and protecting the property and adjusting the civil relationship arising from the attribution and use of the property, compared with the provisions of the Guarantee Law on the guarantee system, In addition to defining the scope of the collateral, a series of new security interests that are not defined or defined in the “Guarantee Law” have also been newly established and many innovative provisions have been made on the system of title security. A thorough understanding of the new provisions of the Real Right Law on the real property security system not only helps the market economy entities to make effective use of resources and make the best use of them, but also helps banks and other financial institutions to utilize and realize security interests according to law and safeguard themselves Legal rights and interests.