First of all, make clear the contents and reasons of the complaint.
Before you decide to complain to China Banking Regulatory Commission, you should first make clear the specific content and reasons of your complaint. Including the problems you encountered, the specific behavior of the bank, and how you think these behaviors violated your rights and interests.
Second, collect relevant evidence.
It is very important to provide strong evidence in the process of complaint. Can collect including but not limited to bank transaction records, telephone recordings, SMS notifications, emails, etc. To prove that your rights have been violated.
Third, choose the complaint channel.
The China Banking and Insurance Regulatory Commission provides a variety of complaint channels. You can choose telephone, email, online platform or on-site complaint. When choosing a complaint channel, it can be decided according to the urgency, complexity and personal preference of the problem.
Fourth, wait for processing and feedback.
After submitting your complaint, you need to wait patiently for the China Banking and Insurance Regulatory Commission to handle it. Under normal circumstances, the CBRC will conduct an investigation after receiving a complaint and give corresponding handling opinions according to the investigation results. If the complaint is established, CBRC will take measures to protect your rights and interests.
To sum up:
When you think that a bank's services, products or business practices infringe your rights and interests, you can safeguard your rights and interests by complaining to the China Banking Regulatory Commission. In the process of complaint, you need to be clear about the content and reasons of complaint, collect relevant evidence, choose appropriate complaint channels, and wait patiently for handling and feedback.
Legal basis:
Banking Supervision Law of the People's Republic of China
Article 2 provides that:
The State Council Banking Regulatory Authority is responsible for the supervision and management of banking financial institutions and their business activities throughout the country. The banking financial institutions mentioned in this Law refer to commercial banks, urban credit cooperatives, rural credit cooperatives, other financial institutions and policy banks established in People's Republic of China (PRC).
Banking Supervision Law of the People's Republic of China
Article 28 provides that:
The banking regulatory institution shall establish a post responsibility system for the discovery and reporting of banking emergencies. The banking supervision institution shall immediately report to the person in charge of the banking supervision institution in the State Council when it finds an emergency that may cause systemic banking risks and seriously affect social stability; If the person in charge of the banking supervision institution in the State Council deems it necessary to report to the State Council, it shall immediately report to the State Council and inform the People's Bank of China, the finance department of the State Council and other relevant departments.
Law of People's Republic of China (PRC) on the Protection of Consumer Rights and Interests
Article 39 provides that:
Disputes over consumers' rights and interests between consumers and business operators can be resolved through the following channels:
(a) negotiated settlement with the operator;
(2) Requesting consumers' associations or other mediation organizations established according to law to mediate;
(three) to complain to the relevant administrative departments;
(four) according to the arbitration agreement reached with the operator, submit it to an arbitration institution for arbitration;
(5) bring a lawsuit to the people's court.