Legal analysis: 1, loans from financial institutions are used for lending; 2. Lend funds obtained by borrowing from other profit-making legal persons, raising funds from employees of the unit or illegally absorbing public deposits; 3. Lenders who have not obtained the loan qualification according to law provide loans to unspecified social objects for profit; 4. The lender knows or should know in advance that the borrower is still providing loans for illegal and criminal activities; 5. Violation of mandatory provisions of laws and administrative regulations; 6, contrary to public order and good customs.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases.

Thirteenth in any of the following circumstances, the people's court shall consider the private loan contract invalid:

Obtaining loans from financial institutions for lending;

(2) Lending funds obtained by borrowing from other profit-making legal persons, raising funds from employees of the unit or illegally absorbing public deposits;

(3) Lenders who have not obtained the loan qualification according to law provide loans to unspecified social objects for profit;

(four) the lender knows or should know in advance that the borrower's loan is used for illegal and criminal activities, but still provides loans;

(5) Violating the mandatory provisions of laws and administrative regulations;

(6) Violating public order and good customs.