Equity pledge is not a loan. The two are different concepts. Equity pledge refers to the pledge established by the pledgor with its own equity as the pledge object. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Article 443rd of the Civil Code states that if a fund share or equity is pledged, the pledge right shall be established at the time of pledge registration. After the pledge, the fund share and equity shall not be transferred, except that the pledgor and the pledgee agree through consultation. The pledgor shall pay off the debts in advance to the pledgee or deposit the proceeds from the fund share and equity transfer.