Legal analysis: Portfolio loan is a loan method that introduces a third party or even a fourth party. Financing guarantee is one of the most important types of guarantee business. It is a kind of credit intermediary behavior that arises with the development needs of commercial credit and financial credit and the financing needs of the guarantee objects.

Legal basis: "Regulations of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases" Article 26 If the interest rate agreed upon by both parties does not exceed the annual interest rate of 24%, the lender requests the borrower to comply with the agreement If interest is paid at an interest rate, the people's court shall support it. If the interest rate agreed upon by both parties exceeds the annual interest rate by 36%, the excess interest agreement is invalid. If the borrower requests the lender to return the interest that has been paid in excess of 36% of the annual interest rate, the People's Court shall support the request.