According to the relevant data of Fatu. com, the amount of pledged loans is generally more than 5,000 yuan, and each loan does not exceed 90% of the pledged value of certificates of deposit, that is, the upper limit of pledged loans does not exceed 90% of the principal of certificates of deposit in principle.

Pledged loan refers to a kind of credit business in which the borrower obtains a certain amount of loan from the lending bank and repays the principal and interest of the loan on schedule with the unexpired personal time deposit certificate in local and foreign currencies issued by the lending bank (some banks mortgage the deposit certificate issued by other financial institutions that have signed a guarantee commitment agreement with the bank) as collateral.