Legal analysis: According to the specific circumstances, it is generally necessary to refuse to borrow money from these organizations at the beginning.

Legal basis: Article 175 of the Criminal Law of People's Republic of China (PRC) absorbs credit funds from financial institutions and lends them to others at high interest for the purpose of lending. If the amount of illegal income is relatively large, he shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also be fined not less than one time but not more than five times the illegal income; If the amount is huge, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, and shall also be fined not less than one time but not more than five times the illegal income. Where a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the persons who are directly in charge and other persons who are directly responsible shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention.