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随着商品经济的逐步发达,人们之间的交易活动渐趋频繁,民法债权制度也走向兴盛,为保障债权的实现,担保制度随之发达。典型的担保物权主要有抵押权、质权和留置权,留置权具有法定性,因法定的原因出现,方能成立留置权,民商事交往中应用最多的还是抵押权和质权,由于设定质权需要移转标的物的占有,出质人既将物作为担保,便失去了占有而不能继续使用标的物、获取收益,而质权人也只是对质押物的交换价值享有支配权,造成资源的浪费,相反抵押权因无须移转标的物占有,抵押人虽将标的物的交换价值交由抵押权人支配,但仍可对标的物的使用价值享有支配权,所以这也为抵押赢得了“担保之王”的美誉。
With the gradual development of the commodity economy, the trading activities between people become more frequent, the civil law claims system has also been on the rise, in order to ensure the realization of claims, the guarantee system will be developed. Typical security interests are mainly mortgage, pledge and liens, the statutory lien, because of statutory reasons for the establishment of lien, civil and commercial transactions is most commonly used in mortgage and pledge, as set If the pledgor needs to transfer the possession of the subject matter, the pledgor will lose possession of the thing as the guaranty and can not continue to use the subject matter for gain, while the pledgee will only enjoy the right of control over the pledged exchange value. Resulting in the waste of resources. On the contrary, the mortgagor does not need to transfer the possession of the subject matter. Although the mortgagor places the exchange value of the subject matter at the disposal of the mortgagee, it still has the right to control the value of the subject matter, so this is also a mortgage Won the “king of security ” reputation.