我国《物权法》规定的浮动抵押制度有利于银行取得更广范围的抵押物,有效降低了抵押权的运行成本,但同时加大了银行作为债权人所承担的风险。本文认为银行在信贷业务中可以通过慎重选择抵押人、及时办理抵押登记手续、根据自身需要设计担保合同条款、及时固化浮动抵押等措施来控制风险,以维护自身权益。 The floating mortgage system stipulated in the Property Law of our country is conducive to the banks to obtain a wider range of collateral, effectively reducing the operating costs of mortgages, but at the same time increase the risk borne by banks as creditors. This paper argues that in the credit business, banks can control risks by carefully selecting mortgagors, completing mortgages registration in time, designing terms of guarantee contracts according to their needs, and timely fixing floating mortgages to safeguard their own rights and interests.