波斯纳认为：一个有效率的财产制度应具备普遍性、排他性、可转让性这三个特征。

According to Posner, a standard of an efficient property system should include following three traits: universality, exclusivity, transferability.

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债权的财产性和可转让性，为其提供了存在的可能性，其自身具有的特点及对交易安全的保护，使其存在成为必要。

The property nature and transferability of creditors rights make it possible to exist; the characteristics in itself and the protection of transaction make it necessary to exist.

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