Legal analysis: 1, banks have requirements, and customers applying for loans need to have a certain deposit; 2. The term of the certificate of deposit is long, but the temporary working capital may suffer great losses if it is withdrawn in advance; 3. Because the project loan has financial discount subsidy, you can't get the corresponding subsidy without the loan, so this method can be flexible; 4. Some projects, such as national debt projects, need enterprises to provide some loans, so it is necessary to check whether the project funds are in place.

Legal basis: Regulations on the Administration of Fixed-term Pledged Loans by Units.

Article 5 When handling the term pledge loan, the borrower shall, in addition to other relevant provisions, submit the following documents and materials to the lender:

(a) the account opening certificate, including the account opening certificate owned by the borrower or owned by a third party and provided to the borrower;

(2) A power of attorney for the depositor to entrust the lender to apply to the deposit bank for issuing the unit time deposit certificate;

(3) The seal or password reserved by the depositor in the bank where the account is opened.

If the account opening certificate is provided to the borrower by a third party, an agreement that the third party agrees to use the account opening certificate to pledge the loan shall be submitted at the same time.

Article 6 If the lender agrees to the borrower's loan application after examination, it shall submit the account opening certificate and unit time deposit certificate to the account opening bank and issue a power of attorney, and apply to the account opening bank for issuing unit time deposit certificate and confirmation letter. If the lender disagrees with the borrower's loan application after examination, it shall return the account opening certificate and power of attorney to the borrower in time.

Article 7 After receiving the relevant materials submitted by the lender, the deposit bank shall carefully examine whether the account opening certificate is true, whether there is a real deposit relationship between the depositor and the bank, and whether the seal or password reserved on the application for issuing the unit time deposit certificate is consistent with the seal or password reserved by the depositor when depositing. When necessary, the deposit bank can verify the relevant information from the depositor.