Pledged loan refers to the loan that the borrower obtains from the bank with certain collateral as the guarantee. It is a form of bank lending, and the collateral usually includes securities, China bonds, various stocks, real estate, bills of lading, warehouse receipts or other documents that prove the ownership of goods. When the loan expires, the borrower must return it in full, otherwise the bank has the right to dispose of the collateral as compensation.

If jewelry is to be used as pledge, the lender needs to show the relevant collateral certificate and mortgage contract. This specific review requirement varies according to different loan types.