Merchants can complain without invoicing 12366. Consumers complain to the administrative department for industry and commerce by letter, fax, SMS, e-mail, 123 15 website or go to the industrial and commercial department to explain the contents and reasons of the complaint. Article 22 of the Law on the Protection of Consumers' Rights and Interests stipulates that: when providing goods or services, operators shall issue invoices and other purchase vouchers or service documents to consumers in accordance with relevant state regulations or business practices; When consumers ask for service documents such as shopping vouchers or invoices, business operators must issue them.
At present, many investment guarantee companies have gained the full trust of banks in standardized and efficient operation in post-loan management and loan risk resolution. Some cooperative banks outsource post-loan collection and loan asset disposal to guarantee companies, and the cooperation effect between the two parties is good. Guarantee companies used to belong to quasi-financial institutions, but now they belong to non-financial institutions, while banks belong to pure financial industries. They are similar in form and can finance enterprises in function, but there are still essential differences. Guarantee companies don't lend with their own funds, but guarantee with corporate reputation, and banks lend. In other words, if the enterprise can't meet the loan standard in the bank credit reliability, it can find a guarantee company to guarantee it, then what the guarantee company does is what the bank doesn't do.