Legal analysis: Specific situations require specific analysis. Under what circumstances will the bank issue a demand notice? A collection notice is usually issued when the phone collection fails. It urges the borrower to repay immediately and is a means for banks to revitalize non-performing loans.

Legal basis: "Law of the People's Republic of China on Commercial Banks" Article 3 Commercial banks may engage in some or all of the following businesses:

(1) Taking deposits from the public;< /p>

(2) Grant short-term, medium-term and long-term loans;

(3) Handle domestic and foreign settlements;

(4) Handle bill acceptance and discounting;

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(5) Issuance of financial bonds;

(6) Agency issuance, redemption, and underwriting of government bonds;

(7) Purchase and sale of government bonds and financial bonds;< /p>

(8) Engage in inter-bank lending;

(9) Buy, sell, and act as an agent to buy and sell foreign exchange;

(10) Engage in bank card business;

(11) Providing letter of credit services and guarantees;

(12) Acting for collection and payment and insurance agency business;

(13) Providing safe deposit box services;

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(14) Other businesses approved by the banking regulatory authority of the State Council.

The business scope shall be stipulated in the commercial bank's articles of association and shall be submitted to the banking regulatory authority of the State Council for approval. Commercial banks may engage in foreign exchange settlement and sales business with the approval of the People's Bank of China.