The so-called pledge deposit, as its name implies, is a kind of pledge deposit, which is the money that the borrower pays to the guarantor according to a certain proportion of the loan amount after borrowing from the bank through the guarantor, and at the same time, in order to reduce some risks of the borrower's default.

1. In our daily life, deposit pledge does not need to be registered. There are a series of relevant provisions in the Civil Code. It can be considered that the establishment of fund pledge in deposit account should meet the following three conditions at the same time, and the contents of the signed contract must include the relevant contents of written pledge. Second, the funds deposited must have a clear purpose and purpose. Finally, the real estate is transferred to the creditor for possession. In other words, the parties should also sign a written pledge contract, which means that the parties who set the pledge need to clarify the rights and obligations of both parties and the description of the relevant subject matter through a written contract. Margin pledge needs the particularity of pledge as a necessary condition for its effectiveness.

2. The conditions for deposit pledge to take effect are as follows. The so-called deposit pledge is a pledge with a monetary nature. As we all know, our currency is a thing, a very special thing. As long as you have it, it means you have it. Deposit pledge shall meet the following conditions in addition to the general conditions of civil legal acts. First of all, the deposit must be clear; Then, in the second case, the funds deposited in the user's account must be transferred to the lending bank. The transfer of pledge of pledged property is sometimes established by the pledgee, and there is another point that needs attention. If the source of margin is not standardized, it will cause a certain risk of margin pledge.

Guarantee pledge means that the borrower deposits the money into a special account opened in the bank and promises to use the money in the account as a guarantee for repayment of the loan. When the borrower fails to perform its obligations, the lending bank has the right to deduct the repayment deposit directly from the deposit account. Margin is a widely used guarantee method in credit business and an important means for banks to control risks. The current law does not clearly stipulate the way of pledge guarantee, and the judicial interpretation in the Supreme People's Court is the main basis for this kind of guarantee.