2. According to "Several Opinions of the Supreme People's Court on People's Courts Handling Lending Cases", the interest rate of private lending can be appropriately higher than that of banks, and local people's courts can specifically grasp it according to the actual situation in the region, but the maximum shall not exceed 4 times that of similar loans from banks.

3. Beyond this limit, the excess interest will not be protected. For disputes arising from interest rates between borrowers and borrowers, such as abnormally high interest rates, the judicial organs can judge the validity of contracts and the rights and obligations of both parties according to the general principles of civil law, the principle of fairness and the principle of good faith.

4. If an individual or unit borrows credit funds from a financial institution for the purpose of lending, and lends them to others at usury, and the amount of illegal income is relatively large, it can be punished as the crime of lending at high interest in accordance with the provisions of Article 175 of the Criminal Law.