Legal analysis: According to the relevant laws and regulations of our country, bank loans are not private loans, but financing activities between natural persons, legal persons and other organizations, while financial institutions and their branches engaged in loan business established with the approval of financial supervision departments do not belong to the scope of private loans.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 1 Private lending as mentioned in these Provisions refers to financing among natural persons, legal persons and other organizations.

These provisions shall not apply to financial institutions and their branches engaged in loan business established with the approval of the financial supervision department, as well as disputes arising from loans and other related financial businesses.