Legal analysis: you can call the police. At present, the crimes that may be involved in empty loans are: the crime of organized crime of underworld nature and all kinds of usury crimes. Therefore, empty loans violate the relevant provisions of China's criminal law and should bear criminal responsibility, and public security organs should file a case for investigation.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 26 If the interest rate agreed by both borrowers and lenders does not exceed 24% per annum, the people's court shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum.