Personal Pledge Loan is referred to one kind of RMB loan business in which the client takes the undue deposit certificate or voucher-like national debt to gain loans from the bank, and duly repay the principal and interest of loans.     个人质押贷款是借款人以储蓄存单、凭证式国债等权利凭证作质押，从银行获得贷款，到期归还贷款本息的一种人民币贷款业务。