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]

Group 1 - The core issue involves Tianjin Bank being sued for allegedly issuing loans to students, which is against regulatory guidelines [1] - The case was brought by a graduate student, Mr. Zhu, who sought the return of interest paid on loans taken during his studies, resulting in a settlement where the bank refunded him 2,186.53 yuan [1] - Tianjin Bank's response to the allegations was limited, indicating a lack of awareness regarding the specific case [1] Group 2 - Regulatory guidelines from the China Banking and Insurance Regulatory Commission prohibit financial institutions from targeting university students for internet consumer loans [2] - The guidelines emphasize the need for substantial identity verification of loan clients and restrict banks from issuing loans to students without proper oversight [2] - Financial institutions are required to establish risk management systems and conduct thorough assessments before granting loans to ensure risks are manageable [2]