If we simply think that usury in pawn shops is biased, or more accurately, it is wrong, we must first understand what usury is to explain this problem. At present, there is no very clear standard for whether it belongs to usury in China, but everyone is mentioning this statement. However, according to Article 2 1 1 of the Contract Law, "if the loan contract between natural persons stipulates to pay interest, the loan interest rate shall not violate the provisions of the state on limiting the loan interest rate." At the same time, according to the relevant provisions of "Opinions of the Supreme People's Court on People's Courts Handling Lending Cases": "The interest rate of private lending may be appropriately higher than that of banks, but the maximum shall not exceed four times that of similar loans of banks". Since China's current one-year benchmark interest rate is 6.56%, if the one-year interest rate exceeds 26.24%, it is suspected of usury. If it is lower than this interest rate, it is naturally not usury! Answer over. The interest rate of regular pawn shops has its particularity. The interest rate of pawn loan consists of comprehensive handling fee and interest, and the comprehensive handling fee rate is the main part.