In general, the pledge rate of highway toll right is relatively low. The problems that should be paid attention to in the loan are as follows: 1. Determine the object of highway toll right; 2. Pay attention to the coordination between the loan period and the highway toll period approved by the relevant administrative departments; 3. Pay attention to avoid the situation that the pledge cannot be realized. Legal objectivity:

Article 427 of the Civil Code stipulates that the parties shall conclude a pledge contract in written form when establishing the pledge right. A pledge contract generally includes the following clauses: (1) the type and amount of secured creditor's rights; (2) The time limit for the debtor to perform the debt; (3) The name and quantity of the pledged property; (4) the scope of the guarantee; (5) Time and method of delivery of pledged property.