我国现行融资担保法制与经济现实之间的紧张关系已如前述，制度的不足与缺失已成为我国信贷市场发展的滞阻因素之一。我国物权法在此方面进展甚微，牵就了我国现行制度。
物权法对经济的推动很难达到预期的目标。参较动产融资担保制度的最近发展与国际趋势，我国相关法律制度的改革迫在眉捷。在重视我国本土资源的基础上，珍视他国立法经验，引进别国先进制度，无疑是我国相关立法中的上选。
【注释】 中国人民银行研究局等. 中国动产担保物权与信贷市场发展. 北京：中信出版社，2006.
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