随着我国《物权法》即将实施,抵押权的合理运用将有效避免借款的风险。今年1至5月份以来,西安市长安区受理的百余民间借贷纠纷案件,有15起涉老借贷案件,因借款人下落不明,借款人提供虚假财产担保,使债权人的债权无法实现而遭受重大损失。案例一:王某以经营急需资金周转为由,向经营百货商店的李老 As China's “Property Law” is about to be implemented, the rational use of the mortgage will effectively avoid the risk of borrowing. From January to May this year, over 50 cases of civil-owned loan disputes handled by Chang'an District in Xi'an have involved 15 cases concerning loans to the elderly. They suffered heavy losses because the borrower's whereabouts are unknown and the borrower provided a guarantor of false property to make the claims of the creditors unattainable loss. Case 1: Wang, operating in urgent need of capital turnover on the grounds, to run the department store Li Lao