目前,我国的担保物权制度主要以1995年颁布实施的《担保法》及2000年颁布实施的《〈担保法〉司法解释》为基础。随着社会主义市场经济的纵深发展,金融创新不断深化,这一制度框架逐步显现出其先天的不足和缺陷。担保物范围过窄,担保物权登记机关分散、效率低、公示性差,缺乏明确、统一的优先权规则,担保物权实现困难等,限制了担保物权在经济实 At present, China’s security interest system is mainly based on the “Guarantee Law” promulgated in 1995 and the “Judicial Interpretation of Security Law” promulgated in 2000. With the further development of the socialist market economy and the deepening of financial innovation, the institutional framework gradually shows its inherent deficiencies and shortcomings. The scope of the collateral is too narrow, the collateral of property right registration is dispersed, the efficiency is low, the publicity is poor, the lack of a clear and uniform priority rule, and the realization of security rights are difficult to realize, thus limiting the real right of security in economy