Legal analysis: Deposit interest can exceed the principal, but loan interest cannot exceed the principal. Under normal circumstances, the interest on deposits is small and there will be no situation where the interest exceeds the principal. Loan interest exceeding the principal is usury and is a typical "lamb interest". The Supreme People's Court does not support usury. According to the provisions of the "Notice of the People's Bank of China on Banning Underground Banks and Combating Usury Activities": the interest rate negotiated by the two parties shall not exceed 4 times the loan interest rate of the same period and grade of financial institutions announced by the People's Bank of China (excluding floating rates). Anything exceeding the above standards should be defined as high-interest lending.

Legal basis: "Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases" Article 28 If the borrower and the lender have an agreement on the overdue interest rate, the agreement shall prevail, but the contract shall not exceed the The current one-year loan market quoted interest rate is limited to four times.

If the overdue interest rate is not agreed upon or the agreement is unclear, the people's court may distinguish between different situations: (1) Neither the interest rate during the loan period nor the overdue interest rate is agreed upon, the lender shall If the borrower claims that the interest calculated from the date of overdue repayment with reference to the current one-year loan market quotation rate will bear the liability for default on overdue repayment, the people's court should support the claim. (2) The interest rate within the loan period is agreed but the overdue interest rate is not agreed upon. , if the lender claims that the borrower should pay the interest during the period of capital occupation according to the interest rate during the loan period from the date of overdue repayment, the people's court should support it.