Legal analysis: The emergency loan contact person is harassed, and it is illegal for the online financial platform to bomb the emergency contact person by SMS or telephone. Improper operation of the platform can call the police or complain to the administrative department for industry and commerce. Lenders must be approved by the People's Bank of China to operate loan business.

Legal basis: Article 21 of the General Principles of Loans, the lender must be approved by the People's Bank of China to operate the loan business, hold the Legal Person License for Financial Institutions or the Business License for Financial Institutions issued by the People's Bank of China, and be approved and registered by the administrative department for industry and commerce.