所谓质押,是指为担保债务的履行,债务人或者第三人将其财产出质给债权人占有,债务人不履行到期债务或者发生当事人约定的实现质权的情形,债权人有权就该财产优先受偿。质押区别于抵押的最大法律特征是设定质押时出质人须向质权人交付质物,而设定抵押时抵押人可以继续占有、使用抵押物。对动产质押和部分权力质押来说,交付质物是质权的生效要件。从近几年农发行贷款担保法律审查、风险排查和 The so-called pledges refers to the implementation of the secured debt, the debtor or a third person to the quality of his property to the creditors, the debtor does not perform the debt or the parties agreed to achieve the pledge, the creditor has the right to compensation in priority to the property . The biggest legal feature that pledges differ from mortgages is that the pledgor shall deliver the pledges to the pledgee at the time of setting the pledge and the mortgager may continue to possess and use the pledges upon setting up the pledge. For the pledge of movables and partial pledge of power, the delivery of pledges is the effective element of pledge. In recent years, the Agricultural Development Bank loan guarantee legal review, risk screening and