It is considered usury if it is four times higher than the bank’s interest rate for similar loans.

"Several Opinions on the People's Courts' Trial of Loan Cases":

6. The interest rates for private loans can be appropriately higher than those of banks. Know the details, but the maximum should not exceed four times the bank's similar loan interest rate (including the principal amount of the interest rate). If this limit is exceeded, the excess interest will not be protected.

According to the "Decision of the Supreme People's Court on Adjusting the Serial Numbers of Articles Cited in Judicial Interpretations and Other Documents of the People's Republic of China and the Civil Procedure Law of the People's Republic of China", the "Supreme People's Court on the People's Court's Trial of Loan Cases" Article 22 of "Several Opinions of the People's Republic of China" (Fa (Civil) Fa [1991] No. 21) is adjusted to read: "If the person subject to execution is likely to transfer, sell, or conceal the property subject to execution, execution measures should be taken in a timely manner. The person subject to execution's resistance to execution constitutes If it hinders civil proceedings, it shall be dealt with in accordance with the provisions of Articles 102 and 224 of the Civil Procedure Law.”

Note: The fact that loan sharking is not protected by law does not mean that it is a criminal act. , but if the creditor takes improper measures during the debt collection process, it needs to bear corresponding responsibilities.