The expiry date of China Construction Bank's large-denomination certificate of deposit, why does the pledged loan not reach the expiration date of the large-denomination certificate of deposit, but one month in advance? Sure, the pledged loan cannot reach the maturity date of the large deposit certificate, it needs to be one month in advance. In order to avoid risks, the bank must first ensure its own interests, advance the maturity date of the pledged loan one month in advance, and repay the loan one month in advance