文档介绍：个人存单质押贷款
Personal loan pledged by certificates of deposit （CD） /treasury bonds is a kind of business combining
凡具有完全民事行为力量的中国境内居民，持有中国银行开具的未到期本、外币定期储蓄存单者均可向我行申请办理个人存单质押贷款。
The length of maturity of a personal loan pledged by CDs/treasury bonds may not exceed the due date of the pledged CD. Besides, the longest maturity shall be one year. If multiple certificates of personal deposit are pledged, the length of maturity shall be set according to the nearest due date. For automatic renewal certificates of deposit, the length of maturity shall be set according to the length of automatic renewal.
个人存单质押贷款期限不得超过质押存单的到期日，且最长不超过一年。若为多张个人存单质押，以距离到期日最近的时间确定贷款期限。办理自动转存的存单视自动转存期限长短确定。
The interest rate for loans of the same grade announced by the People”s Bank of China applies to the interest rate for personal loans pledged by CDs/treasury bonds. The interest rate shall not float beyond the ceiling rate specified by the People”s Bank of China. If the length of maturity is less than six months, the interest rate shall be that for the six month loan. For repayment before maturity date, the interest shall be calculated according to the originally set interest rate and the actual number of days of borrowing. In case the People”s Bank of China adjusts the interest rate, the contracted interest rate is still adopted within the length of