Legal Analysis: If the bank lends illegally, the complainant should first report to the local police station in China Banking and Insurance Regulatory Commission, China. Then prepare your own written report materials and submit them to the CBRC. After receiving the report materials, the CBRC will forward the complaint to the bank, ask the bank to investigate and directly reply to the complainant. Therefore, the complainant can finally get a detailed explanation and response to the incident.

Legal basis: Article 32 of the Law of the People's Republic of China on the People's Bank of China, the People's Bank of China has the right to inspect and supervise the following acts of financial institutions, other units and individuals: (1) the act of implementing the regulations on the management of deposit reserve; (two) the implementation of the provisions of the people's Bank of China on the management of special loans; (three) the implementation of the regulations on the administration of RMB; (four) the implementation of the laws and regulations of the interbank lending market and the interbank bond market. (5) The act of implementing relevant foreign exchange management regulations; 6) the implementation of the relevant laws and regulations on gold; (seven) on behalf of the people's Bank of China to manage the state treasury; (eight) the implementation of the relevant liquidation provisions; 9) Act of implementing relevant provisions on anti-money laundering.