抵押担保作为商品经济体制中的一项民事法律制度,对于保障债权人的合法权益、促进交易、维护市场信用具有重要的意义,在银行贷款业务中已普遍应用。但是,并非只要借款人或第三人提供了抵押物,银行的贷款就是安全的,其中仍然存在法律 As a civil legal system in the system of commodity economy, mortgage guarantee is of great significance to protect the legitimate rights and interests of creditors, facilitate transactions and safeguard market credit. It has been widely used in bank loan business. However, it is not as long as the borrower or third party provides the collateral that the bank’s loan is safe and there is still law