1. Due to the urgent need for funds, I want to apply for personal deposit and withdrawal of ICBC. At present, ICBC has a lot of personal vouchers, including deposits and ICBC's national debt.

2. Deposits include personal deposits of ICBC, such as lump-sum deposit and withdrawal, fixed-term all-in-one, call deposit, lump-sum deposit and withdrawal of RMB, and interest-bearing deposit and withdrawal; Treasury bonds include paper voucher bonds issued by China Industrial and Commercial Bank after 1999 (inclusive), voucher bonds (electronic bookkeeping), book-entry bonds traded by China Industrial and Commercial Bank over the counter, and savings bonds sold by China Industrial and Commercial Bank.

3. In principle, the amount of certificates of deposit and national debt shall not exceed 90% of the face value of pledged property, and the longest loan period of individuals shall not exceed 1 year and the maturity date of pledged property; If multiple certificates of deposit or certificate-based government bonds with different maturities are used as collateral, the loan term shall be based on the certificate of deposit closest to the maturity date.

4. ICBC's personal interest rate is low, and the benchmark interest rate of the same grade published by the People's Bank of China is implemented. Generally, the term of personal loan is 1 year, and the longest term of online banking is 1 year (inclusive).

Second, about the stock exchange bond pledged repo system, the following statement is wrong ().

C question type: common sense question difficulty: easy page number: 266

Bonds bought on the same day can be used for bond declaration and corresponding bond repurchase transactions.

Third, the degree of perfection of the refinancing bond pledge system.

1, not enough.

2. The refinancing bond pledge system means that commercial banks apply for loans from the central bank with the purchased government bonds or central bank bills as collateral to meet their liquidity needs.

At present, although the system has been implemented for many years, there are still some problems in the actual application process, such as the scope of pledged goods is not wide enough and the pledge rate is not flexible enough.

3. In order to further improve the mortgage system of refinancing bonds, it is necessary to strengthen the supervision of the regulatory authorities, introduce more flexible and diverse types of collateral, and improve relevant laws and regulations to improve the transparency and operability of the whole system.

Four, how does the law stipulate the effectiveness of the pledge of creditor's rights?

1. Creditor's rights must be legal and valid. The contractual creditor's rights should be legal and effective, that is, legally binding creditor's rights. 2. Creditor's rights must be transferable. The pledged contractual creditor's rights must be transferable, which is determined by the way the pledge is finally realized. When the principal debtor breaches the contract and the creditor's rights are not paid off at that time, the creditor, as the pledgee, obtains the right to claim the pledged creditor's rights and requires the third debtor to fulfill its debts. 3. The creditor's rights used for pledge shall be denied or voluntarily abandoned by the debtor. This is mainly manifested in the creditor's rights based on the "bilateral contract". In a "bilateral contract", if the creditor exercises his creditor's rights on the premise that he has to perform his debts first, the debtor has the right of defense; Where the creditor exercises his creditor's rights on the condition that he performs his debts at the same time, the debtor has the right of defense to perform his debts at the same time. The debtor's exercise of these rights of defense will directly restrict the disposition of the pledged creditor's rights and affect the realization of the secured principal creditor's rights.