The "experts" hired by banks cannot be responsible for the appraisal results, and the high-quality products often involve tens of millions or even hundreds of millions of yuan. Compared with pawn shops and banks, auction houses are "insiders" and can also avoid moral hazard. Over the years, art pledge financing, as a typical path of art financialization, has been hovering among art holders, banks and auction institutions.

Art bank refers to the bank that deposits and lends art. The bank allows lenders to issue loans with artworks owned by borrowers as collateral. When the debtor fails to perform the debt, the mortgagee has the right to give priority to the cash discounted or sold from the dunning in accordance with the agreement.