The interest rate of private lending shall not exceed 4 times the listed interest rate of one-year loan market, otherwise the excess interest will not be protected by law and the borrower will not be able to repay it. But the borrower still needs to repay the principal and a reasonable part of the interest.

Legal objectivity:

Article 313 of the Criminal Law of People's Republic of China (PRC) refuses to execute the judgment or ruling of the people's court, and if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or fine; If the circumstances are especially serious, 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. If a unit commits the crime mentioned in the preceding paragraph, 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 paragraph.