Legal analysis: Because banks sometimes have no choice but to protect their rights through litigation as a last resort. For bank loan disputes such as credit cards and financial loans, the traditional litigation process of the court is: the bank collects the debt on its own or entrusts a third party to collect it - pre-litigation preparation - prosecution, service, court hearing - judgment - enforcement - the debtor is listed as dishonest People list or limit high consumption. Therefore, pre-litigation mediation is used.

Legal basis: Article 9 of the "Civil Procedure Law of the People's Republic of China" When hearing civil cases, the People's Court shall conduct mediation based on the principles of voluntariness and legality; if mediation fails, a judgment shall be made in a timely manner.