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第三百八十八条 设立担保物权，应当依照本法和其他法律的规定订立担保合同。担保合同包括抵押合同、质押合同和其他具有担保功能的合同。担保合同是主债权债务合同的从合同。主债权债务合同无效的，担保合同无效，但是法律另有规定的除外。
Article 388
To create a security interest, a security contract shall be entered into in
accordance with the provisions of this Code and other laws. Security contracts
include mortgage contracts, pledge contracts, and other contracts with a
function of security. A security contract is a contract secondary to the
principal contract under which the principal claims and obligations arise. Where
the principal contract is void, the security contract is also void, unless
otherwise provided by law.
担保合同被确认无效后，债务人、担保人、债权人有过错的，应当根据其过错各自承担相应的民事责任。
Where a security contract is determined to be void, if the debtor, the security
provider, and the creditor are at fault, they shall each bear civil liability in
proportion to their fault.
第三百八十九条 担保物权的担保范围包括主债权及其利息、违约金、损害赔偿金、保管担保财产和实现担保物权的费用。当事人另有约定的，按照其约定。
Article 389
Unless otherwise agreed by the parties, the scope covered by a security interest
includes the principal claim and its interests based on the principal contract,
liquidated damages, compensatory damages, and the expenses arising from
safekeeping the collateral and enforcing the security interests.
第三百九十条 担保期间，担保财产毁损、灭失或者被征收等，担保物权人可以就获得的保险金、赔偿金或者补偿金等优先受偿。被担保债权的履行期限未届满的，也可以提存该保险金、赔偿金或者补偿金等。
Article 390
Where a collateral is destructed, damaged, or lost, or is expropriated during
the secured period, the person entitled to a security interest has priority to
be paid from the insurance payment, compensation, or indemnity received on the
collateral. Where the collateral is destructed, damaged, or lost, or is
expropriated prior to the due date of performance of the secured claim, the
insurance payment, compensation, or indemnity may also be placed in escrow.
第三百九十一条 第三人提供担保，未经其书面同意，债权人允许债务人转移全部或者部分债务的，担保人不再承担相应的担保责任。
Article 391
Where a third person provides security and the creditor allows the debtor to
transfer all or part of the secured obligations without the third person’s
written consent, the security provider is no longer liable for securing the part
of the obligations so transferred.
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