The time deposit account can only be pledged after the number of days specified by the postal savings institution at a higher level, and one deposit and loan is not allowed. Certificates of deposit with disputed ownership, secured, reported loss, stopped payment and frozen shall not be used as pledge.

Microfinance is a comprehensive consumer loan with individuals or enterprises as the core. The loan amount is generally more than 6,543,800 yuan and less than 200,000 yuan.