1. Generally, banks will not disclose the debtor’s address book and personal information. If the bank collects debt, it will only contact the debtor himself and the emergency contact person he filled in, and will not expose his address book. However, if the borrower is overdue and cannot be contacted for a long time, the bank may disclose the debtor's address book and personal information. If there is such an operation, you can complain directly to the China Banking Regulatory Commission.

2. When a customer is overdue and the creditor is unable to notify the customer or put pressure on the customer, they often call the customer's contact person to force the customer to repay. Emergency contacts are required in all credit cards and personal loans, and address books are mandatory in online loans. At the same time, authorized call records can reversely verify the authenticity of the address book.

3. There is a very important basic principle in the personal security law: when processing various personal information, the principle of "notification and consent" must first be observed. This involves companies being able to collect and use personal information without the consent of the personal information subject, but this does not exclude the application of the "informed consent" principle. That is to say, if you borrow money, the bank can collect your personal information, but if you fail to repay it overdue, you should also abide by the "informed consent" principle for collection.

The credit intermediary role of banks:

1. Credit intermediary is a place where credit activities play an intermediary role between borrowers and borrowers. In a capitalist economy, commercial credit lends commodity capital.

2. The role of credit intermediaries is: “For industrial capitalists, industrial capital moves from one stage to the next, connecting relevant production departments and interconnecting; for merchants, as the name suggests, goods move from Transferred from one person to another until they are eventually sold, turned into currency, or exchanged for other goods. ”

3. In a capitalist economy, bank credit lends monetary capital, and banks are both lenders and borrowers. of concentration. The role of credit intermediaries is as follows:

① Regulate the surplus and shortage of monetary capital among functional capitalists;

② Convert consumers’ idle monetary capital into productive capital and circulating capital; < /p>

③Convert monetary income at all levels into capital. In short, bank credit credit intermediary activities continue to exist under the conditions of the socialist market economy. This activity is carried out on the basis of socialist public ownership and under the guidance of national policies and plans.