论担保物权与信用建设

市场经济是信用经济。我国传统上的人格化的信用在市场经济条件下存有内在缺陷，从而导致目前社会信用匮乏，但这种状况也为人格化的信用向制度化的信用转型提供了契机——担保物权作为一种制度化的信用手段即是其重要表现。现代市场经济中的担保物权日益发挥强化信用的功能，这也是担保物权的发展趋势。

On Security Property and Credit Construction

Market economy is credit economy. Under the conditions of market economy there are some inner defects in the traditional personified credit in our country, causing shortage of social credit currently, but the situation provides a chance for the conversion of personified credit into systematized credit. It is an important manifestation that real fights for security act as a kind of systematized credit means. In modem market economy real rights for security play a role of strengthening credit increasingly, which is also a development trend of real rights for security.