Earning interest difference through private lending does not constitute a crime, but it is illegal. All units except financial institutions borrow money from financial institutions, and the purpose of borrowing money is to earn the interest difference in the middle. This kind of private lending is illegal and invalid. If the lawsuit goes to court, the court will not support it. If it is a loan between individuals, it is not illegal to invest to earn interest after borrowing.

Legal objectivity:

Article 680 of the Civil Code stipulates that it is forbidden to lend at high interest, and the interest rate of borrowing shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the method of interest payment, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as having no interest.