The combination of credit guarantee and pledge guarantee. If pledge is added to the credit loan as an additional guarantee, then the guarantee method of this loan is the combination of credit guarantee and pledge guarantee. Credit guarantee refers to the borrower's credit status and repayment ability as the loan guarantee method; Pledge guarantee means that the borrower provides valuable assets as the guarantee for the loan, such as houses, vehicles and stocks. The borrower provides these assets to the lending institution as a guarantee to ensure that when the borrower is unable to repay the loan, the lending institution can get repayment by disposing of these pledges. Therefore, the main guarantee is a credit loan, and the additional pledge loan is a combination of credit guarantee and pledge guarantee.