What is a voucher-type national debt pledge loan? Generally speaking, when there are not many channels for the rich to raise funds, such as borrowing money and withdrawing time deposits in advance, if the rich hold a large number of voucher-type government bonds and lack a sum of money in hand for emergency use, they can only pay them in one lump sum. At this time, the rich actually chose to pledge their bonds to the bank for loans. The loan procedures and conditions of different banks may be different, so I won't list them here. The following is a brief interpretation of the main points from the Measures for the Pledged Loan of National Debt issued by the People's Bank of China. 1. Commercial banks that can handle the small mortgage loan business of personal time deposit certificates and the issuance business of certificate-based government bonds can handle the pledge loan business of certificate-based government bonds; 2. The loan term shall be agreed by the rich and the bank, but it shall not exceed the maturity date of the national debt, subject to the maturity of multiple mortgaged national debt; 3. The starting point of the voucher-type national debt pledge loan amount is 5000 yuan, and each loan shall not exceed 90% of the face value of the pledge. 4. Voucher bonds are fixed. If the statutory expected annualized interest rate rises in the same period, it will still be calculated according to the expected annualized interest rate in the contract. 5. If the loan term is less than six months, it shall be calculated according to the expected annualized interest rate and the actual borrowing days. 6. The interest will be paid off together with the principal. 7. loans overdue for one month (inclusive). If it exceeds 1 month, the lending institution has the right to dispose of it. If the national debt is not due, the lending institution can pay in advance according to normal procedures, and the handling fee will be borne by the rich; After paying off the loan principal and interest, penalty interest, handling fee, etc. The rest should be returned to the rich man. When he needs money badly, there are still many financing channels. Of course, not only certificate-based government bonds, but also general time deposit certificates and electronic government bonds can also be used to pledge loans.