Hello: Lending, in the legal sense, refers to the establishment of a "loan contract" between the borrower and the borrower. The lender transfers the ownership of the money to the borrower, and the borrower returns the same amount of money at maturity. Loan is the behavior of individuals or enterprises to borrow money from banks when they are in financial difficulties. Banks can put centralized money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Therefore, loans are usurious, borrowing less and paying more. Banks are always profitable. If they have no money to pay back, they will use your assets to pay off their debts. Although usury is robbing money, everyone in this world is mercenary, and there is no difference. May you be happy!