Legal analysis: The first condition for the court to handle online loans is that the online loan company needs to sue the borrower and the guarantor. Otherwise, the court will not handle it, because the court is a neutral tribunal and civil cases The field adheres to the principle of "no complaints and no response."

Legal basis: Article 119 of the "Civil Procedure Law of the People's Republic of China" A lawsuit must meet the following conditions:

(1) The plaintiff is related to the case Directly interested citizens, legal persons and other organizations;

(2) There is a clear defendant;

(3) There are specific litigation claims, facts and reasons;

(4) It falls within the scope of the People's Court to accept civil litigation and the jurisdiction of the People's Court subject to the lawsuit.