Legal analysis: But packaging loans to customers is equivalent to packaging customers who are not qualified for loans into qualified loans. If after the loan, the customer can't repay the loan in time, or the customer who has no repayment ability is not qualified for the loan, but successfully obtains the loan because of the packaging, and finally can't repay it, then the result is related to the customer's packaging. If it can be verified, it is also possible for the bank to pursue the responsibility of * * *. Once it finally assumes the responsibility, the nature of this service fee may be illegal, so

Legal basis: Civil Code of People's Republic of China (PRC).

Article 205 This part regulates the civil relations arising from the ownership and use right of things.

Article 206 The state adheres to and improves socialism with public ownership as the main body, multiple ownership economies developing together, distribution according to work as the main body and multiple modes of distribution coexisting.

Market economy system and other basic socialist economic systems.

The state consolidates and develops the public sector of the economy, and encourages, supports and guides the development of the non-public sector of the economy.

The state practices a socialist market economy and guarantees the equal legal status and development rights of all market participants.

Article 207 State, collective and private property rights and the property rights of other obligees are equally protected by law, and no organization or individual may infringe upon them.

208th Article The establishment, alteration, transfer and extinction of the real right of immovable property shall be registered according to law. The establishment and transfer of the real right of movable property shall be delivered according to law.