On the relevant conditions for commercial banks to realize the pledge right of regular pledge loans.

(1) According to the Management Regulations on Fixed-term Pledged Loans by Units, the scope of pledge guarantee of fixed-term certificates of deposit by units includes loan principal and interest, default interest, damages, liquidated damages and expenses for realizing pledge right. Unless otherwise agreed in the pledge contract, such agreement shall prevail. Upon the expiration of the loan term, if the borrower fulfills the debt or the borrower repays the secured loan in advance, the lender shall promptly return the pledged unit time deposit certificate to the deposit bank. After receiving the returned unit time deposit certificate, the account opening bank shall return the account opening certificate to the lender, and the lender shall return the account opening certificate to the borrower.

(2) Under any of the following circumstances, the lender may dispose of the unit time deposit certificate according to law: ① When the pledged loan contract expires, the borrower fails to repay the loan principal and interest on schedule. ② If the borrower or pledger breaches the contract, the lender needs to recover the loan in advance according to law. ③ The borrower or pledger is declared bankrupt or dissolved.

(3) During the pledge period, if the unit time deposit certificate used for pledge is lost, the lender shall immediately notify the borrower and the pledger and apply for reporting the loss; If the unit time deposit certificate is damaged, the lender shall apply for a replacement with relevant certificates. During the pledge period, the depositor does not accept the depositor's application for loss reporting. When applying for loss reporting, the lender shall submit an application for loss reporting to the bank where the account is opened, and provide a copy of the lender's business license and a copy of the pledge contract. The application for loss reporting shall be made in writing. Under special circumstances, you can use oral or letter, but you must complete the written loss reporting procedures within five working days. The loss report takes effect, and the amount and interest contained in the unit's original time deposit certificate will continue to be used as pledged assets.

(4) When the pledgor is merged, divided or the creditor's rights and debts change, the lender still owns the pledge represented by the unit time deposit certificate.