With the pledge of rights as the loan guarantee, the debtor defrauded the guarantor in the following ways: specific securities and certificates of deposit. Securities include treasury bills, financial bonds and corporate bonds recognized by banks, and certificates of deposit only accept RMB time certificates of deposit. When the borrower applies for a pledged loan, the amount contained in the pledge certificate must exceed the loan amount, that is, the amount contained in the pledge certificate must be at least 65,438+00% of the loan amount. All kinds of bonds can be used for pledge only after they have been evaluated by the loan bank and proved to be true and effective. Renminbi certificates of deposit must have the identification certificate of the bank and the certificate of loss exemption.

Legal objectivity:

Article 193rd of the Criminal Law of People's Republic of China (PRC) commits one of the following acts. Whoever defrauds a bank or other financial institution of loans for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) fabricating false reasons such as introducing funds and projects; (two) the use of false economic contracts; (3) using false documents; (four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral; (5) obtaining loans by other means.