担保方式填什么？

中文

担保方式是金融交易中常用的一种保障措施，用于确保借款人按时还款或履行合同义务。在选择担保方式时，需根据具体情况和交易需求来确定。常见的担保方式包括以下几种：

保证担保：由第三方提供担保，承诺在借款人无法履行还款义务时承担相应责任。这种担保方式要求担保人具有良好的信用记录和还款能力。

抵押担保：借款人提供抵押物作为担保，如房产、车辆等。一旦借款人违约，债权人可以通过法律手段处置抵押物来收回欠款。

质押担保：借款人将动产或权利凭证交付给债权人作为担保。与抵押担保相似，但质押物通常是易于变现的物品，如股票、债券等。

留置担保：债权人在借款人无法履行还款义务时，可以依法留置借款人提供的担保物，直至借款人履行义务或担保物被拍卖变现。

在选择担保方式时，需考虑担保人的信用状况、抵押物的价值和变现能力、质押物的种类和价格波动等因素。同时，借款人应充分了解各种担保方式的利弊，选择最适合自己的担保方式，以确保交易的顺利进行。

英文

The method of guaranty is a commonly used safeguard measure in financial transactions, designed to ensure that borrowers repay their debts or fulfill their contractual obligations on time. When selecting a method of guaranty, it is necessary to determine it based on specific circumstances and transaction requirements. Here are some common methods of guaranty:

Guaranty by a third party: A third party provides a guaranty, promising to take responsibility if the borrower fails to fulfill their repayment obligations. This method requires the guarantor to have good credit history and repayment ability.

Mortgage guaranty: The borrower provides collateral as security, such as real estate or vehicles. If the borrower defaults, the creditor can dispose of the collateral through legal means to recover the debt.

pledge guaranty: The borrower delivers movable property or rights certificates to the creditor as security. Similar to a mortgage guaranty, but the pledged assets are typically items that are easy to convert into cash, such as stocks or bonds.

Lien guaranty: If the borrower fails to fulfill their repayment obligations, the creditor can legally retain the collateral provided by the borrower until the obligation is fulfilled or the collateral is auctioned and converted into cash.

When choosing a method of guaranty, it is necessary to consider factors such as the credit status of the guarantor, the value and liquidity of the collateral, the type and price fluctuations of the pledged assets. At the same time, borrowers should fully understand the advantages and disadvantages of various guaranty methods and choose the most suitable one to ensure the smooth progress of the transaction.