It is useless for financial peacemakers to complain about banks, because banks belong to the financial industry and have special jurisdiction. If you encounter any difficulties, you can complain to the CBRC about the bank. At present, the CBRC is a unified supervision and management institution for deposit financial institutions such as banks, financial asset management companies and trust and investment companies. Banks are legally established financial institutions engaged in monetary and credit business, and are the product of the development of commodity monetary economy to a certain stage. Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities. Guangjinda Logistics undertakes the logistics transportation from Shenzhen to all parts of the country, which is safe and efficient and follows the whole process.

So what should you pay attention to when complaining?

1. There are many ways to complain. You can complain on platforms such as Gathering Complaints, Black Cat Complaints, China Internet Finance Association, etc., or you can call or email the local China Banking and Insurance Regulatory Commission, China. If one platform is unsuccessful, you can try another platform.

2. The information submitted should be sufficient. No matter whether you call or send an email, you must have reasons to complain, such as the bank's refusal to negotiate, its tough attitude, or the bank's collection behavior is violent and the liquidated damages are high. In addition to the reasons, it is necessary to collect relevant evidence, which is more conducive to negotiation.

When you complain, you must express your request. Whether to stop violent collection or negotiate repayment, if the demand is clear, the problem can be solved faster.

4. Personal information should be accurate. Name, contact information and information about borrowing money should be expressed as best as possible. The complaint platform will call you once it is verified and accepted. Be sure to write the right information to avoid the situation that no one can be found when communicating.

However, the negotiation does not mean that it will be successful in the end. On the one hand, banks have their own principles. Banks are not charitable organizations, and will not agree to reduce or exempt you just because you are still in financial difficulties. Don't forget that it is natural for banks to pay back debts, and they should also eat properly.

On the other hand, it also depends on the borrower's actual repayment ability. If your demand is to reduce interest and only repay the principal, this premise requires that you have the money to repay the principal. If you don't pay, the bank will definitely not agree. Some banks have agreed to negotiate, but they have to give up because the borrower has not paid the money yet.

Therefore, friends who want to negotiate must know their specific debts and actual income in detail before applying. If you complain that the bank still refuses to negotiate, I suggest you try it.

1. Don't give up on yourself, but keep a good will to repay your kindness.

Some netizens once spoke to me, saying that everything was used, and the bank just didn't negotiate, and finally it didn't come. Don't even think about it In any case, you should pay back the money properly every month, so that the bank knows that you are willing to repay and have certain repayment ability, which may be an advantage for you to negotiate again.

2. Make a repayment plan and negotiate directly with the bank.

If you want to negotiate, you'd better make a repayment plan, such as negotiating interest reduction or installment repayment. For installment repayment, you should find out how many installments are appropriate and whether the monthly repayment amount is affordable, and then go directly to the bank for negotiation.