Is it illegal for online merchant banks to investigate at home?

It is not illegal to go door-to-door to find out the situation without violence and coercion.

If the other party collects money at home, they can negotiate with each other. It is possible for online merchants to collect money at home, but don't be afraid, because such online loans are all formal financial companies, and the collection personnel are relatively civilized. In many cases, they just go through the motions to verify whether the borrower's address is true. If the borrower has no repayment ability, he will not take some drastic collection measures. When you encounter this kind of online loan, you can negotiate well and don't worry too much.

legal ground

Article 293 of the Criminal Law of People's Republic of China (PRC) * * commits one of the following acts of provoking troubles and disturbing social order, and shall be sentenced to fixed-term imprisonment of not more than five years, criminal detention or public surveillance: (1) beating others at will, and the circumstances are bad; (two) chasing, intercepting, insulting or intimidating others, and the circumstances are bad; (three) extortion or arbitrary damage, occupation of public or private property, if the circumstances are serious; (4) Causing serious disorder in public places. Whoever gathers people for many times to commit the acts mentioned in the preceding paragraph and seriously undermines social order shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and may also be fined.