Article 6 Where a third-party certificate of deposit is pledged, the lender shall formulate strict internal procedures, carefully examine the authenticity, legality and validity of the certificate of deposit, and prevent the occurrence of rights defects. Where the borrower applies for pledged loans by publicly collecting certificates of deposit from unspecified natural persons, legal persons and other organizations, the lender shall not issue loans to them. Article 7 The scope of pledge guarantee of certificates of deposit includes loan principal and interest, default interest, damages, liquidated damages and expenses for realizing pledge right. In principle, the amount of the pledged loan shall not exceed 90% of the principal of the certificate of deposit (foreign currency deposits shall be calculated by converting them into RMB according to the buying price of foreign exchange (paper money) announced on the same day). Banks can also reasonably determine the loan amount according to the scope of the deposit certificate pledge guarantee, but the deposit certificate amount should cover the loan principal and interest.