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The doc document may at the WAP end of browsing experience poor.Suggest that you first select the TXT, or download the source files to this machine view.China Banking Regulatory Commission 2007 No. Fourth "personal certificate of deposit pledged loan means" already on December 28, 2006 the China Banking Regulatory Commission fifty-fifth chairman meeting through, grant to announce now, as of the date of promulgation.President Liu Mingkang two years in July 3rd seven personal deposit loans measuresArticle 1 in order to strengthen the personal certificate of deposit loan management, according to "people's Republic of China Law of commercial banks." "people's Republic of China" and other relevant laws, laws, administrative regulations, make this way.Second personal deposit loans (hereinafter referred to as hypothecated loan) refers to the borrower to outstanding individual time deposit certificates as pledge, from a commercial bank (hereinafter referred to as the lender) to obtain a certain amount of Renminbi loan by the borrower repayment of interest, due to the loan business.The third term of the borrower, refers to the people's Republic of China have the corresponding civil capacity of natural persons, legal persons and other organizations.Foreigners, stateless persons and Hong Kong, Macao, Taiwan residents for the borrowers, should be in the people's Jeremy Scott x Adidas Originals Republic of China who have resided for one year and have a fixed residence and occupation.Article fourth as the pledge of deposit including unexpired time, save the fetching interest and foreign currency time deposit certificates of deposit property rights certificate.Ownership dispute, is secured, report the loss, failure or by the law of payment certificate shall be taken as the pledge.Article www.jeremyscottnew.com fifth borrower to Adidas Jeremy Scott Leopard my name CDs as pledge microcredit loans (hereinafter uniformly referred to as the small hypothecated loan) deposit bank may delegate to handle savings services, business outlets directly accept the application and grant.Each commercial bank according to its actual, determine the small deposit pledge loan amount.Sixth to third CDs as pledge, the lender shall establish strict internal procedures, carefully examine the certificate of authenticity, legitimacy and effectiveness, prevent the occurrence of flaws in right.For the borrower to open to the natural persons, legal persons and other organizations to raise the deposit for the loan, the lender shall not grant loans to them.Seventh of a hypothecated warranty includes the principal and interest of the loan, Adidas Jeremy Scott Mickey Mous interest, damages, damages and expenses for the obtainment of.Hypothecated loan amount should not exceed 90% of the principal (certificates of deposit in foreign currency deposits to the published foreign exchange (currency) bid converted into Renminbi).The bank may also according to the hypothecated warranty and reasonably determine the loan amount, but the amount of deposit shall cover the principal and interest of the loan.Eighth of a hypothecated loan period shall not exceed the hypothecated deposit certificate expiry date.If multiple pieces of his pledge to expiration time recently, determine the duration of the loan, the loan with the exception of mark pen.Ninth of a hypothecated loan interest rate according to the state regulations, meter, settlement way by borrowing the parties.Article tenth before the maturity date of a loan, the borrower may apply for extension.The loaner shall, according to the borrower's credit status and the actual production and operation needs, according to the principle of prudent management, reasonably determine the loan term, but the total loan period shall not exceed the pledge single maturity date deposit.