This is the usual method for banks to increase deposits. For banks, interest income and deposit amount are two important assessment indicators. To put it bluntly, if the bank gives you this loan, you should also bring some deposits to the bank. Let's talk about your business again. With a pledge rate of 9%, 2, deposits will be used to lend you 18,. After the maturity, this 2, deposit will be directly used to repay the 18, loans, and the remaining money will be returned to you. For you, you have lost an interest, and for the bank, you have gained a deposit and an interest income. It's just that the interest rate of 7.8% as a pledge loan is really cheating.