The car loan bank said that CITIC Bank was changed to China Merchants Bank. Is there a routine?

1, the car loan bank said that it should be no problem to change CITIC Bank into China Merchants Bank, as long as it is a regular bank. But the risks are definitely there. Let me tell you a few points to pay attention to when buying a car with a loan: car dealers collude with car buyers and apply for loans from a number of banks with a set of real car purchase information, thus extracting a lot of money. The user applies for a loan from the bank with the borrower's information. After the bank approves the loan, the borrower disappears, but the user does not assume the loan obligation. Dealers collude with car buyers to falsely report the car price, and the money approved by the bank is far greater than the actual down payment of the car. Stealing the real information of ordinary customers for car loans. Criminals will forge a set of true identity information, real estate license, income certificate and other certificates to defraud loans. The criminals set up shell companies and used various gimmicks to attract people to apply for personal car loans, thus defrauding bank loans.