We are most afraid of encountering an irregular loan platform when lending, so if users really encounter an unreliable loan platform, don't panic. Users can choose to complain to the China Banking Regulatory Commission to protect their rights and interests. Although many people now know that they can complain about online loans to the CBRC, they don't know how to complain.

China Banking Regulatory Commission (CBRC) is mainly the unit that supervises and manages banks and financial institutions in China. When Chinese citizens encounter acts that violate laws and regulations in financial institutions, they can directly complain to CBRC. When making complaints, users can directly call the consumer complaint hotline: 12378.

: Generally, all localities have their own branches of the CBRC, so it is best for users to complain directly to the local CBRC when they encounter problems, which may have better effects. Then users can follow the following procedures when making complaints:

1. Telephone complaints. Users can directly call 12378 to make a complaint, or they can call the local complaint phone number after knowing the complaint phone number of the local CBRC to make a complaint. When complaining, they can directly indicate the violation of the online lending platform;

2. Complain in writing. After making a telephone complaint, the user must make a written complaint. The complaint telephone of CBRC only provides consulting service. Generally, the telephone complaint CBRC will not directly accept the case, and the user needs to provide a complete written complaint in order to get a better complaint effect.

when making a written complaint, the user only needs to write down the specific reasons for the complaint, the complainant's name and telephone number, and then directly submit it to the CBRC. Users should note that the CBRC will not accept any oral or anonymous complaints, so users must state their identity.

3. After receiving the complaint, the CBRC will investigate the user's complaint and reply to the complainant's specific investigation results after the investigation is clear. If the situation is true and the platform has serious violations, the CBRC will order the complained platform to make rectification.

CBRC will generally keep users' complaints confidential and will not disclose the identity information of the complainant, so users don't have to worry about retaliation after complaining about the online lending platform.

according to the circular of the general office of the State Council on printing and distributing the provisions on the internal structure and staffing of the main responsibilities of China banking regulatory commission (Guo ban fa [23] No.3), the number of institutions and institutions of China banking regulatory commission is 45. Among them, there are 56 bureau-level leadership positions (including 3 assistants to the chairman, 1 deputy secretary of the discipline inspection commission, 1 deputy secretary of the party Committee of the organ and 1 secretary of the discipline inspection commission of the organ).