Usually not. If the employee does not participate in criminal acts, the employee does not violate the law and will not be investigated for criminal responsibility. Generally, an accomplice in the crime of illegally absorbing public deposits can be convicted and punished. Article 176 Crime of illegally absorbing public deposits Whoever illegally or in disguised form absorbs public deposits and disrupts financial order shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and fined. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph. Whoever commits the acts mentioned in the preceding two paragraphs and actively returns the stolen goods before bringing a public prosecution to reduce the occurrence of damage results may be given a lighter or mitigated punishment.

First, the conditions of small loans

1. The applicant must be at least 18 years old. 2. The identity of the applicant requires that he/she has legal status and is a citizen of China with full capacity for civil conduct. 3. The conditions that the applicant needs to meet in terms of stability are that he must have a fixed residence in the local area and be able to provide a local hukou or valid residence certificate. 4. The conditions that the applicant needs to meet in terms of work income are that he needs to have a stable source of work and income and the ability to repay the principal and interest of the loan on time. Generally, the monthly income is required to be at least 1 000, and bank payroll records or bank running water can be provided. 5. The conditions that the applicant needs to meet in terms of credit are that the personal credit is good, there is no bad credit record in the credit report, and the applicant himself must not have a criminal record. 6. Applicants also need to meet other requirements put forward by local banks applying for small loans. 7. If mortgage or guarantee is required, the applicant must be able to provide legal and effective guarantee.

Second, first, different operating methods lead to far different costs. A commercial bank is a desk system, and people who need deposits and loans come to the bank to handle business. Small loans are the responsibility system of special personnel. Every link, such as lending and auditing, needs a large number of professionals. In addition, commercial banks collect money once a year, but small loans often collect money once a month in order to reduce customers' repayment burden and reduce risks, which invisibly increases the operating costs of small loans. Second, the loan amount of commercial banks is large, ranging from several million to several hundred million. However, small loans are only a few thousand or tens of thousands of RMB, but the operating cost is very high. This is similar to the difference between wholesale and retail in commodity markets. Therefore, the interest on small loans will be higher accordingly. Third, the sources of funds are different. Commercial banks have the function of absorbing deposits and issuing loans, that is to say, commercial banks can obtain very low-cost savings funds by relying on national policies and reputation; However, microfinance institutions often do not have the function of absorbing deposits and can only rely on their own funds for loans, which is very expensive.