存单质押贷款是指借款人以贷款银行签发的未到期的个人本外币定期储蓄存单（也有银行办理与本行签订有保证承诺协议的其他金融机构开具的存单的抵押贷款）作为质押，从贷款银行取得一定金额贷款，并按期归还贷款本息的一种信用业务。
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。
Thee length of maturity of a personal loan pledged by CDs/treasury bonds may not exceed the due date of the pledged CD.
第七条存单质押担保的范围包括贷款本金和利息、罚息、损害赔偿金、违约金和实现质权的费用。
Article 7 Deposit certificate of a hypothecated loan may be used to guarantee the principal and interest of the loan, penalty interest, damages, penalty and expenses for the obtainment of pledge.
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