质押贷款因利率低、手续简便,成为目前个人获取资金普遍使用的方式。以前,银行受理的质押物大多为存单、凭证式国债,随后增加了保单,目前又多了理财产品受益权凭证。通过质押贷款,就能将存单、保单、国债,理财受益权等在一定期限内的“不动产”盘活成为可供使用的资金。 Pledged loans due to low interest rates, simple procedures, as the current personal access to funds commonly used methods. In the past, most of the pledges accepted by the banks were deposit certificates and vouchers and then policies were added. At present, more evidences of beneficiary rights for wealth management products are added. Through pledged loans, the “immovable property” activities such as certificates of deposit, policies, government bonds and wealth management benefits can be made available for use within a certain period of time.