存单质押

存单质押的风险防范及债权人的利益保护

Risk of Pledged Saving slips and Protection for the Creditors

个人定期存单质押贷款风险与防范探究

Personal fixed deposit pledged loans risk and precautions probing

银行核押在性质上属于第三债务人对存单质押不保留异议的承诺。

Bank 's acceptance , in nature , is the obligor 's acceptance of the pledge of deposit without defense .

各商业银行总行可根据本行实际，确定前款小额存单质押贷款额度。

The head office of each commercial bank shall determine the amount of the aforesaid small-sum hypothecated loan on deposit certificate in light of the actual situation of the bank .

若为多张存单质押，以距离到期日时间最近者确定贷款期限，分笔发放的贷款除外。

If the loan is based on more than one deposit certificates , the term of the loan shall be determined according to the earliest date of maturity , except for loans granted by installments .

2005年12月9日，银监会批复了国家邮政局邮政储汇局开办邮政储蓄定期存单质押业务的申请，这是邮储机构拓宽资金运作渠道、开展信贷业务的起点。

On December 9th , 2005 , the Banking Regulatory Commission gave a written reply to the application of State Postal Savings & Remittance Bureau to do the regular deposit receipt pledge business , which was a new starting point to broaden fund operating channel and carry out credit business .

单位定期存单只能以质押贷款为目的开立和使用。

The time deposit certificates of entities can only be opened and used for loans against a pledge .