Legal analysis: The so-called pledge of third-party deposits and loans refers to the pledge of certificates of deposit provided by enterprises for third-party loans of commercial banks as the second repayment source of third-party loans after commercial banks agree to deposit. The deposit bank and the loan bank can be the same bank or different banks, and the latter is the mortgage business of interbank deposit certificates.

Legal basis: Article 8 of the Provisions of the Supreme People's Court on the Trial of Deposit Certificate Disputes pledges the deposit certificates collected by financial institutions. Even if the certificate of deposit is forged, altered or falsely opened, the pledge contract is still valid, and the financial institution shall pay the money recorded in the certificate of deposit to the pledgee according to law.