1. The main role of China Banking and Insurance Regulatory Commission is to supervise the banking and insurance industries, so as to protect the legitimate rights and interests of consumers. If the user's loan funds are frozen, it is because the user does not meet the loan conditions and is frozen by the lending institution. As long as the user subsequently meets the loan conditions or actively applies for unfreezing, it is possible to unfreeze.

2. The CBRC and its dispatched offices have no right to freeze the bank accounts of any unit or individual.

if a user's loan funds are frozen, one case is that the user does not meet the loan conditions and is frozen by the lending institution. As long as the user subsequently meets the loan conditions or actively applies for unfreezing, it is possible to unfreeze. Another situation is that the loan institution does not have enough loan funds, and the loan funds will be frozen.

3. China Banking Regulatory Commission (CBRC) used to be called, but now its full name is Bank of China Insurance Regulatory Commission, or China Banking and Insurance Regulatory Commission or China Banking and Insurance Regulatory Commission for short. China Banking and Insurance Regulatory Commission was formally established in 218. Its main duties include unified supervision of banking and insurance industry according to laws and regulations, maintaining legal compliance and steady operation of banking and insurance industry, preventing and defusing financial risks, protecting the legitimate rights and interests of financial consumers and maintaining financial stability.

4. The specific functions of China Banking and Insurance Regulatory Commission can be divided into the following aspects:

(1) To conduct unified supervision and management of the banking and insurance industries throughout the country, and to safeguard their lawful and steady operation. Implement vertical leadership over the dispatched institutions.

(2) investigate and deal with banks or insurance companies that violate laws and regulations.

(3) Implement access management for the organization and business scope of the banking and insurance industries, review the qualifications of senior managers, and formulate norms for the behavior management of employees in the banking and insurance industries.

(4) uniformly compile the national banking and insurance regulatory data statements, and issue them in accordance with the relevant provisions of the state.

(5) Establish a risk monitoring, evaluation and early warning system for China's banking and insurance industries, and track and analyze their operating conditions to achieve timely monitoring and forecasting.

(6) crack down on illegal financial activities, and be responsible for the identification, investigation and suppression of illegal fund-raising and the coordination of relevant organizations. Generally speaking, China Banking and Insurance Regulatory Commission's main duty is to supervise the normal operation of banks and insurance companies in accordance with laws and regulations, and at the same time protect the legitimate rights and interests of consumers.