The purpose of opening the telephone number 12363 is to unblock the channels for financial consumers to consult and complain and protect the legitimate rights and interests of financial consumers. The acceptance scope of complaint telephone includes financial consumption complaints within the statutory duties of the People's Bank of China, as well as complaints involving cross-market and cross-industry financial products and services. In addition, if the public has disputes with financial institutions when purchasing financial products and receiving financial services, in principle, they should complain to financial institutions first. If the financial institution refuses to accept or handle it within a certain period of time, or is not satisfied with the handling result, it can complain to 12363 by telephone.