?According to the statistics of the world bank, China's current assets of movable property are 51 trillion-41 trillion yuan, and the balance of short-term loans of financial institutions is about 31 trillion yuan each year, of which only 5 trillion-21 trillion yuan is secured loans, which is shorter than that of western developed countries. With the proportion of 51% - 41% of the total term loan, the development of China's real estate financing market is seriously lagging behind. At present, the fundamental problem that perplexes the development of China's real estate financing is the lack of relevant legal system, which leads to the greater practical risks faced by the bank's real estate financing, so it is urgent to improve the real estate guarantee financing system. The first problem is the legislation. According to the current law, certificates of deposit, bills and other certificates of rights involved in Chattel pledge must be delivered directly. In the previous period, there were some major bill cases in the banking industry, many of which were bill transactions. In law, there was no recognition of the effectiveness of bill transactions, because there was no real transaction, and there was no necessary delivery for the effectiveness of legal acts, so the legal effect网友找你玩时时彩 iveness of related bill acts was ultimately denied. In law, there is a lack of detailed provisions on registration behavior, and the problem of collecting registration evidence is prominent. Can the registration behavior of movable property be recognized by the court? There are different understandings of the court system. A foreign bank in Hebei Province once had a dispute about the validity of the deposit certificate pledge with an amount of 51.11 million yuan. According to the guarantee law, the deposit certificate should be delivered to the pledgee on a regular basis, and the pledge should be established.