1, savings bonds is an investment product with low risk and stable income, so it is used as collateral to obtain loans.

2. RMB 10000 yuan is the smallest denomination in savings bonds, so the starting point of the pledge line is also RMB 10000 yuan.

3. At the same time, this is also the minimum amount set by banks and financial institutions to avoid risks and reduce costs. Therefore, the starting point of savings bonds pledged loan line is 10000 yuan. Savings bonds refers to the bonds issued by the government to individual depositors, also known as "small national debt" or "personal national debt". It is characterized by small face value, stable income and low risk, and is suitable for personal savings and investment.