《中华人民共和国物权法》的实施,对我国经济发展产生了深刻的影响。尤其是其中的担保物权制度,为我国金融业发展带来了机遇与挑战。本文试图就担保物权制度对我国金融业所产生的有利及不利影响进行分析,并提出完善与应对物权法的对策和建议。 The implementation of the “Property Law of the People’s Republic of China” has had a profound impact on the economic development of our country. In particular, the system of security interest therein brings opportunities and challenges to the development of China’s financial industry. This article attempts to analyze the advantages and disadvantages of the security right system to the financial industry in our country, and puts forward the countermeasures and suggestions for perfecting and coping with the property law.