It is the fixed deposit receipt with building a bank and construction bank bear sold national debt serves as impawn, if be during loan individual cannot reimbursement, the bank cashs deposit receipt or national debt will return loan.

• 它是以在建设银行的定期存单和建设银行承销的国债作为质押，假如在贷款期间个人不能还款了，银行就把存单或国债兑现来还贷款。