Legal analysis: 1. The rapid development of private financing is not conducive to economic structural adjustment. 2. Private lending has poor legal binding force and can easily lead to economic disputes. 3. The high interest rates of private lending have also had a greater impact on financial institutions, inducing increased financing costs for financial institutions and exacerbating the operating risks of financial institutions.

Legal basis: Article 119 of the "Civil Procedure Law of the People's Republic of China" A lawsuit must meet the following conditions: (1) The plaintiff is a citizen or legal person with a direct interest in the case and other organizations; (2) There is a clear defendant; (3) There are specific litigation claims, facts and reasons; (4) It falls within the scope of the people's court to accept civil litigation and the jurisdiction of the people's court subject to the lawsuit.