The maximum pledge rate of US dollar time deposit loans shall not exceed the face value of time deposits. The pledge rate of US dollar time deposit loan refers to the upper limit of the loan ratio that banks can give customers when they issue loans with their time deposits as collateral. This ratio is called pledge rate and usually does not exceed the face value of time deposits. In other words, if a customer has a time deposit of $654.38+million, the bank can only give him a loan of $654.38+million at most, and cannot exceed this amount. This is because banks want to use time deposits as collateral to ensure the safety and reliability of loans. At the same time, this way can also make customers get lower loan interest rates, because banks can give loans with greater confidence.