组合担保方式都是什么？

中文

组合担保方式是金融领域中一种常见的担保手段，它通过将不同的担保方式进行组合，以提高担保效果并分散风险。在实际操作中，常见的组合担保方式有以下几种：

抵押+保证：借款人以抵押物作为担保，并由第三方提供担保。这种方式结合了物的担保和人的担保，增强了债权人的保障。

质押+保证：借款人将动产或权利凭证交付给债权人作为质押，并由第三方提供担保。这种方式在借款人缺乏足够抵押物时，可以通过质押和保证双重保障债权人的权益。

抵押+质押：借款人同时提供抵押物和质押物作为担保。这种方式结合了物的担保的两种方式，进一步增强了担保效果。

保证+第三方担保：借款人由第三方提供担保，同时再由其他第三方提供担保。这种方式通过多重担保，进一步分散了风险。

组合担保方式的选择应根据具体情况灵活决定，以确保债权人的权益得到充分保障。同时，担保人也应充分了解各种担保方式的利弊，以做出合理的选择。

英文

What Are the Types of Combined Security Methods?

Combined security methods are a common approach in financial sectors, where different security methods are combined to enhance the security effect and diversify risks. In practical operations, the following are some common types of combined security methods:

Mortgage + Guarantee: The borrower uses collateral as security and is also guaranteed by a third party. This approach combines the security of the collateral with the guarantee of the person, strengthening the protection of the creditor's rights.

Pledge + Guarantee: The borrower delivers movable property or a certificate of rights to the creditor as collateral and is also guaranteed by a third party. When the borrower lacks sufficient collateral, this method can double the protection of the creditor's rights through both pledge and guarantee.

Mortgage + Pledge: The borrower provides both collateral and pledged items as security. This approach combines the two forms of collateral security, further enhancing the security effect.

Guarantee + Third-Party Guarantee: The borrower is guaranteed by a third party and is also guaranteed by another third party. This method further disperses risks through multiple guarantees.

The choice of combined security methods should be flexibly determined based on specific situations to ensure the full protection of the creditor's rights. At the same time, the guarantor should also fully understand the advantages and disadvantages of various security methods to make a reasonable choice.