is not valid. The Civil Code stipulates that if the signature is cheated and there is no real loan relationship between the two parties, the loan is invalid; The court will determine whether there is a loan relationship for the "debt" or "receipt" with defects in form, combined with other evidence. At the same time, for the loan in cash delivery, it can comprehensively judge whether there is a legal and true creditor-debtor relationship between the two parties according to the delivery voucher, the relationship between the parties and the transaction details stated by the parties. Article 698 of the Civil Code Exempts the General Guarantor from the Warranty Liability. After the expiration of the performance period of the main debt, the guarantor of the general guarantee provides the creditor with the true information of the debtor's executable property. If the creditor gives up or is slow to exercise his rights and the property cannot be executed, the guarantor will no longer bear the warranty liability within the scope of the value of the executable property provided by him.