The criteria for filing the crime of illegal personal lending are as follows:
1. Employees of banks or other financial institutions who issue loans in violation of state regulations, and the amount is huge or cause heavy losses, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan;
2. If the amount is especially huge or causes particularly heavy losses, he shall be sentenced to fixed-term imprisonment of not less than five years and fined not less than 20,000 yuan but not more than 200,000 yuan;
3. Employees of banks or other financial institutions who issue loans to related parties in violation of state regulations shall be severely punished in accordance with the provisions of the preceding paragraph;
4. If a unit commits the crimes mentioned in the preceding two paragraphs, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding two paragraphs.
Legal basis: Article 680 of the Civil Code of People's Republic of China (PRC).
It is forbidden to lend at high interest rate, and the lending rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.