论现代担保市场法律规制的理念与模式

On the Idea and Model of Legal Regulation of Modern Security Market

在现代市场经济社会,担保制度应综合考虑担保机制的正负面效应,运用各种制度资源,对担保市场的不同领域进行分类调整。对传统互助性担保领域,应主要通过民法担保制度进行调整;对经营性担保领域,应重点加强合规性监管和风险性监管;而对政策性担保领域,则应重点加强目的性监管。相关制度设计应摆脱传统法律部门观念的影响,根据担保市场的客观要求,做出符合实际的制度安排。

In modem market economy society, the law should synthetically consider the active and negative effect of security mechanism, and use all kind of legal resources to classify and regulate different fields of the security market. The traditional mutual security field should be adjusted mainly by the security system in civil law, the commercial security field should be strengthened by compliance supervision and risk control, and the policy security field should be emphasized by the objective supervision. The systematic design should get rid of the influences of traditional idea of law department division, and establish institutional arrange according to the objective requirement of security market and the real conditions in China.