How do banks complain?

Consumers can complain in the following ways:

1. First of all, citizens can complain directly at bank outlets. When a customer complains about a bank's products or services, he should first contact the bank outlets where the business takes place, and explain the customer's own demands in detail, so that the consumer's complaints can be solved promptly and satisfactorily.

2. The second is to complain to the superior bank of the bank outlet. If the bank outlets are not satisfied with the complaint handling results, or the bank fails to give a final reply within the agreed time after receiving the complaint, consumers can report the situation to their competent banks. Bank outlets will publicize complaint telephone numbers or other complaint methods.

Extended data:

There are broad and narrow understandings of bank supervision. Banking supervision in a narrow sense refers to the supervision and management of the organization and business activities of banking financial institutions by the national financial supervision institutions. Banking supervision in a broad sense includes not only the external supervision or heteronomy supervision of banking financial institutions by national financial supervision institutions, but also the internal supervision or self-discipline supervision of banking financial institutions.

The banking supervision system in the world can be divided into two types: one is to set up a special banking supervision institution, which is completely separated from the supervision function of the central bank. Second, the central bank and other financial management institutions jointly exercise financial supervision rights.

Bank supervision is an important part of a country's financial supervision system. Although the content, means and degree of financial supervision in different countries have changed in different historical periods, compared with other industries, the financial industry with banking as the main body has always been the most strictly regulated industry in various countries. The reason is mainly determined by the particularity of the financial industry itself and its important position in the modern market economy.

First of all, in today's increasingly globalized, capitalized and electronic world economy, finance no longer plays the role of a simple "tool" or "intermediary", but actively promotes or even leads the economies of various countries and becomes a key factor in a country's economic development. Therefore, the stability and efficiency of the financial industry is directly related to economic development, social stability and even national security. It is necessary to strictly supervise the financial industry and ensure the safe and efficient operation of the financial system.

Secondly, banks and other financial institutions are all oriented to the public, and their operations are closely related to the public's trust, which has distinctive publicity characteristics. Relatively speaking, the bank is a non-free competition industry with a certain monopoly, which will inevitably affect the role of the market mechanism. In addition, due to the need of security or protecting the confidentiality of customers' financial information, the degree of information disclosure of banks is not high, which causes the asymmetry of public access to information and makes it difficult for the public to make accurate judgments on the risks and performance of financial institutions. Therefore, it is necessary for the government to effectively supervise the behavior of financial institutions from the outside, so as to adjust the relative failure of market mechanism caused by monopoly, alleviate the evaluation and supervision difficulties caused by information asymmetry, and achieve the purpose of protecting public interests.