Peer-to-peer lending is a peer-to-peer lending platform and a form of private lending. Regarding the high interest rate of p2p loans, according to the private lending law, the annual interest rate is lower than 24% (equivalent to 2 points per month), and the court supports it; Between 24% and 36% (equivalent to 3 points of monthly interest), the court is in a neutral position. If the parties voluntarily pay and regret wanting to come back, the court will not support it. On the contrary, if they ask for this part of interest after lending the personnel, the court will not support it. The popular understanding is "give it, don't come back, don't give it, don't want it"; When it exceeds the red line of 36%, the court's tough attitude immediately appears, that is, it will not support it under any circumstances.