Core Points - A lawsuit was filed by Mr. Zhu against Tianjin Bank Jinan Branch for illegally issuing internet loans to students, resulting in a settlement where the bank refunded interest amounting to 2186.53 yuan [2] - Mr. Zhu borrowed a total of 18500 yuan from Tianjin Bank Jinan Branch through four loans between November 2021 and July 2022 while being a full-time graduate student [3] - The issuance of loans to students is deemed illegal according to the regulatory notice issued by the former China Banking and Insurance Regulatory Commission, which prohibits targeting students for internet consumer loans [3][4] Regulatory Context - The regulatory notice emphasizes that small loan companies must verify the identity of loan customers and are prohibited from marketing loans to university students [3] - Financial institutions are required to maintain risk management systems and conduct thorough pre-loan assessments while ensuring that loans to students are not provided without proper regulatory approval [4]
天津银行违规向在校大学生发放贷款 被起诉后退还利息