Margin pledge means that the borrower deposits money into a special account opened in the bank and promises to use the money in the account as a guarantee to repay the loan. When the borrower fails to perform the debt, the lending bank has the right to directly deduct the deposit from the special deposit account for repayment of the loan.

legal ground

Article 425 of the Civil Code guarantees the performance of the debt. If the debtor or a third party gives the chattel output to the creditor for possession, the debtor fails to perform the due debt or the creditor has the priority to be compensated for the chattel. The debtor or the third party specified in the preceding paragraph is the pledger, the creditor is the pledgee, and the delivered movable property is the pledged property.