Legal basis: The Opinions on Several Issues Concerning Handling Criminal Cases of Illegal Lending stipulates that those who violate state regulations, without the approval of the regulatory authorities, or go beyond their business scope, regularly issue loans to unspecified social objects for the purpose of making profits, thus disrupting the financial market order. If the circumstances are serious, they shall be convicted and punished for the crime of illegal business operation in accordance with the provisions of Item (4) of Article 225 of the Criminal Law.