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定期存单质押贷款是指借款人以未到期的个人本外币定期储蓄存单设置质押,从银行取得一定金额贷款,并按期归还贷款本息的一种存贷结合业务。定期存单质押贷款属于质押担保类贷款,《中华人民共和国物权法》(以下简称《物权法》)和《中华人民共和国担保法》(以下简称《担保法》)均明确规定:债务人或第三人有权处分的存款单可以出质,适用
Periodic certificates of deposit pledged loans refers to the borrower set up a pledge of non-maturing personal and foreign currency fixed deposit certificates, obtain a certain amount of loans from the bank, and repay the loan principal and interest on schedule as a deposit and lending business. Periodic certificates of deposit pledge loans are pledged loans, “People’s Republic of China Property Law” (hereinafter referred to as “Property Law”) and “People’s Republic of China Guarantee Law” (hereinafter referred to as “Guarantee Law”) clearly stipulates that the debtor or a third party the right Disposal of the deposit slip can be quality, applicable