美国信托担保制度之借鉴效益

Discussion on the Reference Benefit of the United States' Assuring System

由于社会主义市场经济的发展,我国目前出现了大量的融资借贷的经济现象,债权债务关系复杂。为保证这种经济行为的有效运行,维护社会经济秩序的稳定和发展,就需要担保制度的保驾护航。我国《担保法》在这方面则起到了很大的作用,然而,《担保法》本身的缺陷也使一些有担保的债权得不到实现。而我国刚颁布的《信托法》则因各方面的原因而没有发挥到应有的作用。与此相对,美国的信托制度则恰巧能为我国所借鉴,并能产生良好的效益。

Because of the development of socialist market economy,the economic phenomena of financing debit and oredit appeared so much in our county at present. The credit and debt relation is complicated. In order to guarantee the effective function of this kind of economic behavior and the stability and development of the social eeonomy order,we need the protection of assuring system. The Assure Law of our country plays a very important function in this respect. But the defect of the law does not make some creditors realize their rights. And the Trust Law, issucd in 2001, does not play its due function because of various reasons, Forturatcly ,we can draw lessons from the trust system of America and make good bencfit.