Legal analysis: CBRC is responsible for linking inventory with loans from different places, and shall not charge for loans, share floating profits, tie-in loans, float to the top, or pass on costs. Simply put, in the process of lending, banking financial institutions must be separated from the deposit business, and deposits should not be the main premise of lending. In addition, he has four open conditions: reasonable fees, high-quality pricing, openness and transparency, and reducing fees and making profits. When collecting the service fee, he will follow the unified pricing, and the price of the service must reflect the principle of openness and transparency. The preferential targets of financial services are limited to small and micro enterprises, vulnerable groups, social welfare and three rural enterprises.

Legal basis: Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.