Vehicle bed liner and cargo management system

A cargo bed liner for protecting a cargo bed of a vehicle. Plural rigid floor panels are interconnected to form a cargo liner platform suspended above the cargo bed by suspension rails to disperse impacts and otherwise to protect the cargo bed. The floor panels are interlocked by tabs projecting from at least some of the panels. The floor panels are fixed to the suspension rails by locking slots in combination with locking studs. The suspension rails are fixed to the cargo bed in retention of the cargo liner platform. Anchors with extendable and retractable clamping members and registration members are selectively retained relative to apertures of an array of paired apertures in the platform for permitting secure and adjustable retention and transport of cargo. The clamping and registration members have outer surfaces separated by a distance less than a longitudinal dimension of apertures within the array of apertures.