If the user's loan funds are frozen, one situation 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 thawing, it is possible to thaw. Another situation is that the lending institution does not have enough loan funds, and the loan funds will be frozen.
China Banking Regulatory Commission (hereinafter referred to as CBRC) was formerly known as China Banking Insurance Regulatory Commission, or China Banking Regulatory Commission or China Banking Insurance Regulatory Commission. 20 18 China Banking Regulatory Commission was formally established. Its main responsibilities include unified supervision of the banking and insurance industries in accordance with the law, safeguarding the legal compliance and steady operation of the banking and insurance industries, preventing and defusing financial risks, protecting the legitimate rights and interests of financial consumers and maintaining financial stability.
The specific functions of the CBRC can be divided into the following aspects:
(1) to conduct unified supervision and management of the banking and insurance industries in the country, and safeguard their lawful and steady operation. Implement vertical leadership over the dispatched institutions.
(2) investigate and deal with illegal banks or insurance companies.
(3) Implementing access management on the organization and business scope of the banking and insurance industries, reviewing the qualifications of senior managers, and formulating behavioral management norms for employees in the banking and insurance industries.
(four) unified preparation of the national banking and insurance regulatory data statements, and issued in accordance with the relevant provisions of the state.
(5) Establish a risk monitoring, assessment and early warning system for China's banking and insurance industries, track and analyze their operating conditions, and monitor and forecast them in time.
(six) to crack down on illegal financial activities, and to be responsible for the identification, investigation and suppression of illegal fund-raising and the coordination of relevant organizations. Generally speaking, the main responsibility of the CBRC is to supervise the normal operation of banks and insurance companies according to law and protect the legitimate rights and interests of consumers.