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案由:1996年12月6日、1997年1月27日、1997年4月1日,遵义市某乡镇企业作为借款人,分3次向农业银行某分理处申请借款,由遵义市某居委会以存单作为担保,3方签订了《抵押担保借款合同》,约定农业银行发放贷款161万元,贷款种类为短期流动资金,以居委会存单3张,金额210万元质押,在居委会交付了存单给农业银行后,农业银行发放了上述贷款。1998年5月22日,该居委会的质押存单到期,但贷款尚未到期,居委会提出,借款人已清偿了部分贷款,希农业银行同意转一部分款走,余下的120万元继续作担保。农业银行认为此要求合情合理,故同意该居委会取出质押的存款同时,转存120万元作定期存款用于质押居委会在出具了120万元的
Case: December 6, 1996, January 27, 1997 and April 1, 1997, a township enterprise in Zunyi City, as a borrower, applied for a loan from a branch of Agricultural Bank of China in three installments and borrowed money from a branch of Zunyi City With the deposit certificate as a guarantee, the three parties signed the Mortgage Guarantee Loan Contract, which stipulated that the Agricultural Bank of China should issue a loan of 1.61 million yuan. The type of loan is short-term liquidity, with 3 deposit certificates of residential committees and an amount of 2.1 million yuan pledged. After Agricultural Bank of China, Agricultural Bank of China issued the above loan. On May 22, 1998, the neighborhood pledged deposit certificate expired, but the loan has not expired. The neighborhood committee proposed that the borrower had paid off part of the loan, and Agricultural Bank of Greece agreed to transfer part of the loan and the remaining 1.2 million yuan will continue to be guaranteed. Agricultural Bank of China considered that the request was reasonable and therefore agreed to withdraw the pledge of the neighborhood deposit at the same time, the deposit of 1.2 million for fixed deposits for the pledge neighborhood committees issued in the 1.2 million