Legal analysis: the loan collateral acceptable to banks can be roughly divided into two categories, one is tangible property and the other is intangible property. Tangible property includes houses, automobiles, machinery and equipment, raw materials and products. Intangible property includes patents and securities (stocks, bonds, treasury bills, bills of lading, etc.). ) These collateral are usually recognized by banks.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases. If the interest rate agreed by the borrower and the borrower does not exceed 24% per annum, the lender has the right to require the borrower to pay interest at the agreed interest rate. However, if the interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, the interest exceeding the annual interest rate of 36% shall be deemed invalid.