“保证金被扣划”和政策性粮棉油库存被抵押办贷是长期困扰农发行的两个维权难题。农发行安徽省分行保证金质权胜诉案在《最高人民法院公报》上发布,以及政策性粮棉油抵质押贷款法律风险通过银行业协会公开提示为银行主张对保证金享有质权提供了依据,成功维护了农发行应有的权益。“保证金被扣划”和粮棉油企业以政策性粮棉油库存办理抵质押贷款是长期困扰农发行的两个维权难题。特别是前者,由于法律规定不甚明确,法院执行行为不规范,继续对银行保证金优先受偿权不予认定,不 “Margin was deducted ” and the policy of grain and cotton oil stocks are mortgaged mortgage loan is long plagued ADB two rights problems. Agricultural Bank of China branch in Anhui Province pledged the right to deposit gold in the “Supreme People’s Court bulletin” on the release, as well as the policy of grain and cotton oil pledged loans to legal risks through the Association of Banks publicly prompt for the bank claims the pledge of pledge to provide the basis for the success of Maintained the rights and interests of the Agricultural Development Bank. “Margin was deducted ” and grain and oil companies to deal with the policy of grain and cotton inventories to pledged loans is long plagued ADB two rights problems. Especially the former, due to the fact that the law is not clear and the court does not carry out the law, it will not continue to recognize the priority of the bank deposit,