1. There is a clear defendant: that is, the borrower needs to be clear and have specific identity information.
2. There are specific litigation requests, facts and reasons: the borrower needs to make clear demands and state factual reasons.
3. It belongs to the scope of civil litigation accepted by the people's court and the jurisdiction of the people's court: that is, the case needs to be accepted by the court and is within the jurisdiction of the court.
4. The court will conduct a preliminary review when filing a case. If the case meets the above conditions, the court will accept it. In the trial stage, if the interest charged by the lender exceeds the annual interest rate of 36% stipulated by national laws, the borrower may request to return the interest paid in excess of this ratio, and the court shall support it. The court shall guarantee the right of prosecution enjoyed by the parties according to law, and must accept the prosecution that conforms to the law.
5. Fanpuxin's online loan prosecution process usually includes preparation stage, prosecution stage, pre-trial mediation and trial. The whole process may take several months to a year, and the specific time factors include the efficiency of the court, the attitude of the borrower, the complexity of the case and so on. If pre-trial mediation fails, the court will arrange a hearing, both parties will submit evidence, and the judge will make a ruling according to law.