The characteristics of financial loan contract disputes (1) are difficult to deliver and the trial period is long. The first problem in financial loan litigation cases is service. As more and more defendants are involved, there may be many guarantors besides the debtor. The corporate debtor's capital chain is broken, the foreign debt is heavy, the person in charge is often missing, the enterprise changes office space and even people go to the building. It is even more difficult to serve litigation documents to natural persons. Many natural persons have changed their mobile phone numbers left in the bank from the beginning, or although they answered the phone, they did not go to court to sign a subpoena, deliberately delaying the progress of the case. Because the court's litigation documents cannot be directly served to the parties, a large number of cases are served by lien or announcement, and the trial period of cases is naturally prolonged, which seriously affects the follow-up procedures. (two) the facts of the case are clear, the evidence is sufficient, and the success rate of financial institutions is high. Financial institutions will carry out strict examination and approval procedures for foreign loans, keep complete written materials, collect and manage files well, and take the initiative in litigation. For the defendant to attend the lawsuit in court, the fact of borrowing money is generally recognized, but because he is unable to repay it, he hopes that the bank will postpone repayment or reduce interest. In addition, due to the high public service rate in financial loan contract disputes, the defendant usually does not appear in court to participate in the litigation, and the court directly supports the bank's litigation request based on the evidence provided by financial institutions. (3) After the judgment takes effect, the cases generally enter the execution procedure, and the realization rate of creditor's rights is low. No matter whether the case is finally settled by judgment or mediation, the parties with repayment obligations rarely take the initiative to fulfill their repayment obligations within the prescribed time limit. Many parties refused to answer the phone during the execution stage and took an evasive attitude, so most cases eventually entered the execution procedure. However, because the mortgaged property involved in many financial loan dispute cases is the only house of the executed person, the execution procedure has to be put on hold temporarily, and "difficulty in execution" is also a common problem faced by the court. Moreover, in recent years, the real estate market is in a downturn, and the market value of mortgaged properties is mostly lower than the original evaluation value, which leads to a low repayment rate of financial institutions' claims.

Legal objectivity:

Article 123 of the Civil Procedure Law: A lawsuit shall be filed with the people's court, and copies shall be submitted according to the number of defendants. If it is really difficult to write a complaint, it can be made orally, which will be recorded by the people's court and the other party will be informed. Article 128 The people's court shall send a copy of the indictment to the defendant within five days from the date of filing the case, and the defendant shall submit a reply within fifteen days from the date of receiving the indictment. The defense shall specify the defendant's name, gender, age, nationality, occupation, work unit, residence and contact information; The name and domicile of the legal person or other organization and the name, position and contact information of the legal representative or principal responsible person. The people's court shall send a copy of the defense to the plaintiff within five days from the date of receiving the defense. If the defendant fails to submit the defense, it will not affect the trial of the people's court.