{"id":1956,"date":"2025-04-01T14:28:05","date_gmt":"2025-04-01T14:28:05","guid":{"rendered":"https:\/\/tplaw.asia\/%e6%9c%aa%e5%88%86%e7%b1%bb\/%e6%b3%b0%e5%b9%b3%e7%a0%94%e7%a9%b6-%e6%b3%b0%e5%9b%bd%e6%8b%85%e4%bf%9d%e5%88%b6%e5%ba%a6%e6%a6%82%e8%bf%b0%e4%b9%8b%e8%b4%a8%e6%8a%bc-pledge-%e4%b8%8e%e5%85%b8%e5%bd%93\/"},"modified":"2025-04-01T14:28:05","modified_gmt":"2025-04-01T14:28:05","slug":"%e6%b3%b0%e5%b9%b3%e7%a0%94%e7%a9%b6-%e6%b3%b0%e5%9b%bd%e6%8b%85%e4%bf%9d%e5%88%b6%e5%ba%a6%e6%a6%82%e8%bf%b0%e4%b9%8b%e8%b4%a8%e6%8a%bc-pledge-%e4%b8%8e%e5%85%b8%e5%bd%93","status":"publish","type":"post","link":"https:\/\/tplaw.asia\/zh-hans\/legal-insights-cn\/%e6%b3%b0%e5%b9%b3%e7%a0%94%e7%a9%b6-%e6%b3%b0%e5%9b%bd%e6%8b%85%e4%bf%9d%e5%88%b6%e5%ba%a6%e6%a6%82%e8%bf%b0%e4%b9%8b%e8%b4%a8%e6%8a%bc-pledge-%e4%b8%8e%e5%85%b8%e5%bd%93\/","title":{"rendered":"\u6cf0\u5e73\u7814\u7a76 | \u6cf0\u56fd\u62c5\u4fdd\u5236\u5ea6\u6982\u8ff0\u4e4b\u8d28\u62bc\uff08pledge\uff09\u4e0e\u5178\u5f53\uff08pawn\uff09"},"content":{"rendered":"

\u5f15\u8a00<\/strong><\/h4>\n

\u8d28\u62bc<\/strong>\uff08<\/strong>\u0e08\u0e33\u0e19\u0e33<\/strong>\uff09<\/strong>\u4e0e\u5178\u5f53<\/strong>\uff08<\/strong>\u0e42\u0e23\u0e07\u0e08\u0e33\u0e19\u0e33<\/strong>\uff09<\/strong>\u4f5c\u4e3a\u6cf0\u56fd\u6cd5\u4e0b\u5386\u53f2\u60a0\u4e45\u4e14\u5e7f\u6cdb\u5e94\u7528\u7684\u62c5\u4fdd\u5236\u5ea6\uff0c\u957f\u671f\u4ee5\u6765\u4e3a\u4e2a\u4eba\u548c\u4f01\u4e1a\u63d0\u4f9b\u4e86\u7075\u6d3b\u4e14\u9ad8\u6548\u7684\u878d\u8d44\u6e20\u9053\u3002\u8d28\u62bc\u4ee5\u52a8\u4ea7\u4e3a\u4e3b\u8981\u62c5\u4fdd\u6807\u7684\uff0c\u901a\u8fc7\u8f6c\u79fb\u8d22\u4ea7\u5360\u6709\u786e\u4fdd\u503a\u6743\u5b89\u5168\uff0c\u800c\u5178\u5f53\u884c\u5219\u5728\u6b64\u57fa\u7840\u4e0a\u53d1\u5c55\u51fa\u66f4\u4e3a\u89c4\u8303\u7684\u5c0f\u989d\u77ed\u671f\u878d\u8d44\u6a21\u5f0f\uff0c\u4e3a\u4e2a\u4eba\u548c\u4e2d\u5c0f\u4f01\u4e1a\u89e3\u51b3\u71c3\u7709\u4e4b\u6025\u3002\u8fd9\u4e24\u79cd\u5236\u5ea6\u5728\u6cf0\u56fd\u878d\u8d44\u5e02\u573a\u4e2d\u626e\u6f14\u7740\u91cd\u8981\u89d2\u8272\uff0c\u5c24\u5176\u5728\u6ee1\u8db3\u77ed\u671f\u8d44\u91d1\u9700\u6c42\u3001\u4fc3\u8fdb\u8d44\u4ea7\u6d41\u52a8\u6027\u65b9\u9762\u53d1\u6325\u4e86\u4e0d\u53ef\u66ff\u4ee3\u7684\u4f5c\u7528\u3002<\/p>\n

\u8d28\u62bc\u5236\u5ea6\u7684\u6838\u5fc3\u5728\u4e8e\u5176\u4fbf\u6377\u6027\u548c\u53ef\u64cd\u4f5c\u6027\u3002\u51fa\u8d28\u4eba\u901a\u8fc7\u5c06\u52a8\u4ea7\uff08\u5982\u73e0\u5b9d\u3001\u8bbe\u5907\u7b49\uff09\u4ea4\u4ed8\u7ed9\u8d28\u6743\u4eba\uff0c\u5373\u53ef\u5feb\u901f\u83b7\u5f97\u878d\u8d44\uff0c\u65e0\u9700\u590d\u6742\u7684\u6cd5\u5f8b\u7a0b\u5e8f\u3002\u8fd9\u4e00\u7279\u70b9\u4f7f\u5f97\u8d28\u62bc\u6210\u4e3a\u4e2d\u5c0f\u4f01\u4e1a\u548c\u4e2a\u4eba\u89e3\u51b3\u77ed\u671f\u8d44\u91d1\u9700\u6c42\u7684\u9996\u9009\u65b9\u5f0f\u3002\u5178\u5f53\u884c\u5219\u8fdb\u4e00\u6b65\u7b80\u5316\u4e86\u8fd9\u4e00\u6d41\u7a0b\uff0c\u4e3a\u4e2a\u4eba\u63d0\u4f9b\u5c0f\u989d\u8d37\u6b3e\u670d\u52a1\uff0c\u5e76\u901a\u8fc7\u660e\u786e\u7684\u5229\u7387\u548c\u671f\u9650\u89c4\u5219\uff0c\u4fdd\u969c\u4ea4\u6613\u7684\u516c\u5e73\u6027\u4e0e\u900f\u660e\u5ea6\u3002\u6b64\u5916\uff0c\u5178\u5f53\u884c\u5728\u4fdd\u7ba1\u8d28\u62bc\u7269\u65b9\u9762\u7684\u4e13\u4e1a\u80fd\u529b\uff0c\u4e5f\u4e3a\u51fa\u8d28\u4eba\u63d0\u4f9b\u4e86\u989d\u5916\u7684\u5b89\u5168\u4fdd\u969c\u3002<\/p>\n

\u5c3d\u7ba1\u8d28\u62bc\u548c\u5178\u5f53\u5236\u5ea6\u5728\u5b9e\u8df5\u4e2d\u6709\u5176\u9002\u7528\u8303\u56f4\u548c\u5c40\u9650\u6027\uff0c\u4f46\u4e5f\u4e3a\u4e2a\u4eba\u548c\u4f01\u4e1a\u63d0\u4f9b\u4e86\u7075\u6d3b\u7684\u878d\u8d44\u9009\u62e9\uff0c\u8fd8\u5728\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\u7f13\u89e3\u4e86\u975e\u6b63\u89c4\u91d1\u878d\u6e20\u9053\u7684\u538b\u529b\uff0c\u4fc3\u8fdb\u4e86\u91d1\u878d\u5e02\u573a\u7684\u7a33\u5b9a\u4e0e\u53d1\u5c55\u3002<\/p>\n

\n

01
\n<\/strong>\u6cd5\u5f8b\u6846\u67b6<\/strong><\/h4>\n

\u6cf0\u56fd\u901a\u8fc7\u300a\u6c11\u5546\u6cd5\u5178\u300b\u4e0e\u300a\u5178\u5f53\u884c\u6cd5\u300b\uff081962\u5e74\uff09\u6784\u5efa\u4e86\u8d28\u62bc\u4e0e\u5178\u5f53\u7684\u4e8c\u5143\u5236\u5ea6\uff0c\u5176\u6838\u5fc3\u5dee\u5f02\u4f53\u73b0\u5728\uff1a<\/p>\n\n\n\n\n\n\n\n\n
\u4e8b\u9879<\/strong><\/td>\n\u8d28\u62bc<\/strong><\/td>\n\u5178\u5f53<\/strong><\/td>\n<\/tr>\n
\u4e3b\u4f53\u8d44\u683c<\/strong><\/td>\n\u6c11\u4e8b\u4e3b\u4f53\u5747\u53ef\u8bbe\u7acb\u3002\u300a\u6c11\u5546\u6cd5\u5178\u300b\u7b2c747\u6761<\/em><\/td>\n\u987b\u53d6\u5f97\u5546\u52a1\u90e8\u8bb8\u53ef\u8bc1\uff0c\u7981\u6b62\u81ea\u7136\u4eba\u7ecf\u8425\u5178\u5f53\u4e1a\u52a1\u3002\u300a\u5178\u5f53\u884c\u6cd5\u300b\u7b2c8\u6761<\/em><\/td>\n<\/tr>\n
\u6807\u7684\u7269\u8303\u56f4<\/strong><\/td>\n\u5141\u8bb8\u6743\u5229\u8d28\u62bc\uff08\u5982\u6c47\u7968\u3001\u80a1\u7968\uff09\uff0c\u4f46\u987b\u9075\u5faa\u6743\u5229\u51ed\u8bc1\u4ea4\u4ed8\u89c4\u5219\u3002\uff08\u6ce8\uff1a\u6839\u636e\u300a\u5546\u4e1a\u62c5\u4fdd\u6cd5\u300b\u7b2c8\u6761\uff0c\u5df2\u660e\u786e\u5c06\u201c<\/em>\u5e94\u6536\u8d26\u6b3e<\/em>\u201d\u201c<\/em>\u77e5\u8bc6\u4ea7\u6743<\/em>\u201d\u7b49\u7eb3\u5165\u5546\u4e1a\u62c5\u4fdd\u8303\u56f4\u3002\uff09
\n\u300a\u6c11\u5546\u6cd5\u5178\u300b\u7b2c730-753\u6761<\/em><\/td>\n		\u63a5\u53d7\u6709\u5f62\u4e14\u65e0\u9700\u5b9e\u540d\u6ce8\u518c\u7ed1\u5b9a\u7684\u52a8\u4ea7\u8d28\u62bc\u3002<\/td>\n<\/tr>\n
\u5141\u8bb8\u7b2c\u4e09\u65b9\u4fdd\u7ba1\u8d28\u62bc\u7269\u3002
\n\u300a\u6c11\u5546\u6cd5\u5178\u300b\u7b2c749\u6761<\/em><\/td>\n		\u5355\u7b14\u8d28\u62bc\u91d1\u989d\u226410\u4e07\u6cf0\u94e2\u3002
\n\u300a\u5178\u5f53\u884c\u6cd5\u300b\u7b2c4\u6761<\/em><\/td>\n<\/tr>\n
\u5229\u7387\u4e0e\u8d39\u7528\u9650\u5236<\/strong><\/td>\n\u5141\u8bb8\u5728\u6cd5\u5f8b\u89c4\u5b9a\u8303\u56f4\u5185\u7ea6\u5b9a\u5229\u606f\u3002\u300a\u6c11\u5546\u6cd5\u5178\u300b\u7b2c7\u6761&\u7b2c654\u6761<\/em><\/td>\n\u672c\u91d1\u22642,000\u6cf0\u94e2\uff0c\u6708\u606f2%\uff0c\u8d85\u9650\u90e8\u5206\u6708\u606f1.25%\u3002<\/td>\n<\/tr>\n
\u4e0d\u6536\u53d6\u624b\u7eed\u8d39\u3001\u4fdd\u7ba1\u8d39\u7b49\u9664\u5229\u606f\u5916\u7684\u5176\u4ed6\u8d39\u7528\u3002
\n\u300a\u5178\u5f53\u884c\u6cd5\u300b\u7b2c17\u6761<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
\n

02
\n<\/strong>\u6743\u5229\u8d28\u62bc<\/strong><\/h4>\n

\u300a\u6c11\u5546\u6cd5\u5178\u300b\u7b2c754\u6761\u660e\u786e\u5141\u8bb8\u4ee5\u9644\u4e66\u9762\u51ed\u8bc1\u7684\u6743\u5229<\/strong>\u4f5c\u4e3a\u8d28\u62bc\u6807\u7684\uff0c\u4f46\u9700\u6ee1\u8db3\u53cc\u91cd\u8981\u4ef6\uff1a<\/p>\n

    \n
  1. \u5f62\u5f0f\u8981\u4ef6<\/strong>\uff1a\u6743\u5229\u51ed\u8bc1\u9700\u4ea4\u4ed8\u8d28\u6743\u4eba\uff08\u5982\u80a1\u7968\u767b\u8bb0\u7c3f\u3001\u503a\u5238\u8bc1\u4e66\uff09<\/li>\n
  2. \u901a\u77e5\u8981\u4ef6<\/strong>\uff1a\u4e66\u9762\u901a\u77e5\u8d28\u62bc\u4eba\uff08\u5982\u6c47\u7968\u4ed8\u6b3e\u4eba\uff09<\/li>\n<\/ol>\n

    \u5178\u5f53\u884c\u56e0\u53d7\u300a\u5178\u5f53\u884c\u6cd5\u300b\u7b2c4\u6761\u9650\u5236\uff0c\u4e0d\u5f97\u63a5\u53d7\u6743\u5229\u8d28\u62bc\u3002\u6c11\u4e8b\u4e3b\u4f53\u82e5\u672a\u6ee1\u8db3\u4e0a\u8ff0\u8981\u4ef6\uff0c\u6743\u5229\u8d28\u62bc\u65e0\u6548\uff08\u300a\u6c11\u5546\u6cd5\u5178\u300b\u7b2c750\u6761\uff09\u3002<\/p>\n

    \n

    03
    \n<\/strong>\u6743\u5229\u5b9e\u73b0<\/strong><\/h4>\n

    \u6cf0\u56fd\u6cd5\u4e25\u683c\u533a\u5206\u8d28\u62bc\u4e0e\u5178\u5f53\u7684\u5904\u7f6e\u89c4\u5219\uff1a<\/p>\n\n\n\n\n\n\n\n\n\n
    \u4e8b\u9879<\/strong><\/td>\n\u8d28\u62bc<\/strong><\/td>\n\u5178\u5f53<\/strong><\/td>\n<\/tr>\n<\/thead>\n
    \u9002\u7528\u6cd5\u5f8b<\/strong><\/td>\n\u300a\u6c11\u5546\u6cd5\u5178\u300b<\/td>\n\u300a\u5178\u5f53\u884c\u6cd5\u300b<\/td>\n<\/tr>\n
    \u5904\u7f6e\u524d\u63d0<\/strong><\/td>\n\u503a\u52a1\u5230\u671f\u672a\u5c65\u884c\uff08\u7b2c764\u6761\uff09<\/td>\n\u5230\u671f\u672a\u8d4e\u56de+\u8fde\u7eed4\u4e2a\u6708\u672a\u652f\u4ed8\u5229\u606f +30\u65e5\u516c\u544a\u671f\uff08\u7b2c25\u6761\uff09<\/td>\n<\/tr>\n
    \u5904\u7f6e\u65b9\u5f0f<\/strong><\/td>\n\u516c\u5f00\u62cd\u5356\uff08\u7b2c764\u6761\uff09<\/td>\n\u516c\u544a\u671f\u6ee1\u76f4\u63a5\u53d6\u5f97\u6240\u6709\u6743<\/td>\n<\/tr>\n
    \u5dee\u989d\u8ffd\u507f<\/strong><\/td>\n\u53ef\u8ffd\u507f\u4e0d\u8db3\u90e8\u5206\uff08\u7b2c767\u6761\uff09<\/td>\n\u89c6\u4e3a\u503a\u52a1\u6d88\u706d\uff08\u53f8\u6cd5\u5b9e\u8df5\u60ef\u4f8b\uff09<\/td>\n<\/tr>\n
    \u6d41\u8d28\u7981\u6b62<\/strong><\/td>\n\u7ea6\u5b9a\u7edd\u5f53\u7269\u5f52\u5c5e\u65e0\u6548\u0e44\u0e21\u0e48\u0e2a\u0e21\u0e1a\u0e39\u0e23\u0e13\u0e4c\uff08\u7b2c756\u6761\uff09<\/td>\n\u5141\u8bb8\u81ea\u52a8\u8f6c\u79fb\u6240\u6709\u6743\uff08\u7b2c25\u6761\uff09<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
    \n

    04
    \n<\/strong>\u5b9e\u52a1\u8981\u70b9<\/strong><\/h4>\n
      \n
    1. \u6743\u5229\u8d28\u62bc\u7684\u5408\u89c4\u8def\u5f84<\/strong>A. \u975e\u5178\u5f53\u4e1a\u52a1\u4e2d\uff0c\u9700\u540c\u6b65\u5b8c\u6210\u51ed\u8bc1\u4ea4\u4ed8<\/strong>+\u503a\u52a1\u4eba\u901a\u77e5<\/strong>\uff08\u300a\u6c11\u5546\u6cd5\u5178\u300b\u7b2c750\u6761\uff09<\/em>\uff1bB. \u6c47\u7968\u8d28\u62bc\u987b\u5728\u7968\u636e\u6ce8\u660e\u8d28\u62bc\u4e8b\u9879\uff08\u300a\u6c11\u5546\u6cd5\u5178\u300b\u7b2c751\u6761\uff09<\/em>\u3002<\/li>\n
    2. \u5178\u5f53\u884c\u7684\u7279\u6b8a\u4e49\u52a1<\/strong>\uff081\uff09<\/strong>\u4fdd\u7ba1\u8d23\u4efb<\/strong>\uff1a\u5178\u5f53\u884c\u987b\u5c65\u884c\u9ad8\u4e8e\u666e\u901a\u8d28\u6743\u4eba\u7684\u4fdd\u7ba1\u4e49\u52a1\u3002a.\u00a0\u00a0\u91c7\u7528\u76d1\u7ba1\u59d4\u5458\u4f1a\u5236\u5b9a\u7684\u4e13\u4e1a\u4fdd\u7ba1\u6807\u51c6\uff1bb.\u00a0\u00a0\u975e\u7ecf\u6cd5\u5b9a\u7a0b\u5e8f\u4e0d\u5f97\u8f6c\u79fb\u8d28\u62bc\u7269\u5b58\u653e\u5730\u70b9\u3002\uff082\uff09<\/strong>\u4fe1\u606f\u62ab\u9732\uff1a\u8425\u4e1a\u573a\u6240\u987b\u516c\u793a\u5229\u7387\u724c<\/strong>\uff08\u300a\u5178\u5f53\u884c\u6cd5\u300b\u7b2c16\u6761\uff09<\/em><\/li>\n
    3. \u6d89\u5916\u4ea4\u6613\u6ce8\u610f\u4e8b\u9879<\/strong>\n
        \n
      • \u8de8\u5883\u5178\u5f53\u9700\u786e\u8ba4\u8d28\u62bc\u7269\u6765\u6e90\u5408\u6cd5\u6027\uff1b\uff08\u300a\u5178\u5f53\u884c\u6cd5\u300b\u7b2c19\u6761\u6392\u9664\u8d43\u7269\u8d28\u62bc\uff09<\/em><\/li>\n
      • \u6d89\u53ca\u672a\u6210\u5e74\u4eba\u8d22\u4ea7\u9700\u53d6\u5f97\u76d1\u62a4\u4eba\u4e66\u9762\u540c\u610f\u3002\uff08\u300a\u5178\u5f53\u884c\u6cd5\u300b\u7b2c18(2)\u6761\uff09<\/em><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
        \n

        05
        \n<\/strong>\u4e2d\u6cf0\u6bd4\u8f83<\/strong><\/h4>\n\n\n\n\n\n\n\n
        \u5236\u5ea6\u8981\u7d20<\/strong><\/td>\n\u6cf0\u56fd\u6cd5<\/strong><\/td>\n\u4e2d\u56fd\u6cd5<\/strong><\/td>\n<\/tr>\n<\/thead>\n
        \u6743\u5229\u8d28\u62bc<\/strong><\/td>\n\u4ec5\u9650\u6c11\u4e8b\u4e3b\u4f53\uff08\u300a\u6c11\u5546\u6cd5\u5178\u300b\u7b2c754\u6761\uff09<\/em><\/td>\n\u5178\u5f53\u884c\u53ef\u8d28\u62bc\u8d22\u4ea7\u6743\u5229\uff08\u300a\u5178\u5f53\u7ba1\u7406\u529e\u6cd5\u300b\u7b2c25\u6761\uff09<\/em><\/td>\n<\/tr>\n
        \u7edd\u5f53\u7269\u5904\u7f6e<\/strong><\/td>\n\u516c\u544a\u671f\u6ee1\u81ea\u52a8\u8f6c\u79fb\u6240\u6709\u6743\uff08\u300a\u5178\u5f53\u884c\u6cd5\u300b\u7b2c25\u6761\uff09<\/em><\/td>\n\u9700\u534f\u8bae\u6298\u4ef7\u6216\u62cd\u5356\uff08\u300a\u5178\u5f53\u7ba1\u7406\u529e\u6cd5\u300b\u7b2c43\u6761\uff09<\/em><\/td>\n<\/tr>\n
        \u5229\u7387\u7ba1\u5236<\/strong><\/td>\n\u5206\u5c42\u56fa\u5b9a\u5229\uff082%\/1.25%\uff09\uff08\u300a\u5178\u5f53\u884c\u6cd5\u300b\u7b2c17\u6761\uff09<\/em><\/td>\n4\u500dLPR\u6d6e\u52a8\u4e0a\u9650\uff08\u300a\u6c11\u6cd5\u5178\u300b\u7b2c680\u6761\uff09<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
        \n

        06
        \n<\/strong>\u7ed3\u8bed<\/strong><\/h4>\n

        \u6cf0\u56fd\u901a\u8fc7\u300a\u5178\u5f53\u884c\u6cd5\u300b\u5b9e\u73b0\u5bf9\u5178\u5f53\u7684\u7279\u522b\u89c4\u5236\uff0c\u5176\u7edd\u5f53\u7269\u81ea\u52a8\u8f6c\u79fb\u5236\u5ea6\u4f53\u73b0\u5546\u4e8b\u6548\u7387\uff0c\u800c\u300a\u6c11\u5546\u6cd5\u5178\u300b\u7b2c754\u6761\u4e3a\u6c11\u4e8b\u6743\u5229\u8d28\u62bc\u63d0\u4f9b\u6cd5\u5f8b\u57fa\u7840\u3002\u5916\u8d44\u4f01\u4e1a\u5728\u6cf0\u8fdb\u884c\u878d\u8d44\u65f6\uff0c\u5e94\u6ce8\u610f\u533a\u5206\u8d28\u62bc\u4e0e\u5178\u5f53\u7684\u9002\u7528\u8fb9\u754c\uff0c\u5c24\u5176\u6ce8\u610f\u6743\u5229\u8d28\u62bc\u7684\u5408\u89c4\u8981\u4ef6\u4e0e\u5178\u5f53\u884c\u5229\u7387\u9650\u5236\u3002<\/p>\n

        \n

        \u3010\u7248\u6743\u58f0\u660e\u3011<\/p>\n

        \u6cf0\u5e73\u56fd\u9645\u5f8b\u5e08\u4e8b\u52a1\u6240(TP & ASSOCIATES)\u4fdd\u7559\u5bf9\u672c\u6587\u7684\u6240\u6709\u6743\u5229\u3002\u672a\u7ecf\u672c\u6240\u4e66\u9762\u8bb8\u53ef\uff0c\u4efb\u4f55\u4eba\u4e0d\u5f97\u4ee5\u4efb\u4f55\u5f62\u5f0f\u6216\u901a\u8fc7\u4efb\u4f55\u65b9\u5f0f\u590d\u5236\u672c\u6587\u4efb\u4f55\u53d7\u7248\u6743\u4fdd\u62a4\u7684\u5185\u5bb9\uff0c\u4e0d\u5f97\u8f6c\u8f7d\u3001\u5f15\u7528\u6216\u7be1\u6539\u672c\u6587\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

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