摘要： 担保制度在民法典分则中被分置于物权编和合同编，人为造成了人保与物保制度的割裂，增加了法律适用的难度。“担保物权”本身是一个历史的误读，禁锢了担保方式的发展和自我完善，抵押权、质权、留置权并不具备物权的本质属性。无论从担保制度的历史演变，还是从担保制度的功能以及在当代的发展来看，支配性并不是担保的本质特性，也不属于优先权范畴。担保制度只是确定债权实现顺序的制度工具。从担保制度的历史演变和体系形成的过程看，担保方式不断推陈出新，是社会交易需求的体现，担保方式本身具有不断发展变化的内在原动力和需求。当代担保制度的设计必须满足市场多元化的要求，担保制度的独立成编既可以保持担保体系的开放性，也有利于实现担保制度的统一，践行民商合一的立法理念。担保制度在民法典分则中独立成编将不失为新时代背景下的创新性选择。

关键词: 担保体系, 独立成编, 担保功能, 物权属性, 民商合一

Abstract: The guarantee systemhas been divided into property law and contract law in the Civil Code, which has caused the separation of the personal guarantee system and the property guarantee system, increasing the difficulty of applying the law.“Guarantee property rights”itself is a historical misunderstanding.It prohibits the development and self-improvement of guarantee methods.Mortgage rights, pledges, and liens do not possess the essential attributes of property rights.Regardless of the historical evolution and the function of the guarantee system, as well as its development in the contemporary era, dominance is not the essential nature of the guarantee, and it does not belong to the category of priority, either.The guarantee system is only an institutional tool for determining the order in which claims are implemented.Judging from the historical evolution of the guarantee system and the process of system formation, the guarantee method is constantly being updated, which is the embodiment of social transaction demand.The guarantee method itself has the inherent motive force and demand for continuous development and change.The design of the contemporary guarantee system must meet the requirements of market diversification.The independent formation of the guarantee system can not only maintain the openness of the guarantee system, but also facilitate the unification of the guarantee system as well as the practice of the legislative concept of the unity of civil and commercial.The independence of the guarantee system in the Civil Code can be an innovative choice in the context of the new era.

Key words: Guarantee System, Independent Editing, Guarantee Function, Property Rights, Combination of Civil and Commercial