Illegal. According to the inquiry found on the Legal Network, it is illegal for others to take state-subsidized mining loans at high interest rates. The Civil Code clearly stipulates that usury lending is prohibited, and the interest rate for borrowing must not violate relevant state regulations. For the purpose of making profits through re-lending, the credit funds of financial institutions are obtained and re-lent to others at high interest rates. If the amount of illegal income is relatively large, it will also constitute the crime of re-lending at high interest rates and require criminal liability.