为什么要质押？

质押是一种常见的担保方式，指的是债务人将其财产权利或动产交付给债权人作为债务履行的担保。那么，为什么要质押呢？

Firstly, pledge as a guarantee can increase the credit of the borrower. When a borrower lacks sufficient collateral or credit history, a pledge can help the lender reduce the risk of default. The borrower's credit risk is mitigated by the pledge, and the lender's credit risk is reduced.英文翻译：

Secondly, pledge can help borrowers obtain loans with lower interest rates. When a borrower lacks sufficient collateral or credit history, the lender may require additional security measures to reduce its credit risk. Pledge can help reduce the lender's credit risk, so the borrower can obtain a lower interest rate loan.英文翻译：

Thirdly, pledge can help borrowers obtain more financing options. When a borrower lacks sufficient collateral or credit history, it may be difficult to obtain financing through traditional channels. However, with the help of pledge, borrowers can obtain financing through non-traditional channels, such as leasing companies or shadow banks.英文翻译：

Finally, pledge can help borrowers improve their credit record. When a borrower lacks sufficient collateral or credit history, it may be difficult to obtain financing through traditional channels. However, with the help of pledge, borrowers can obtain financing through non-traditional channels, such as leasing companies or shadow banks.英文翻译：
总的来说，质押可以增加借款人的信用，帮助借款人获得较低利率的贷款，帮助借款人获得更多的融资选择，同时也有助于借款人改善其信用记录。