Legal analysis: borrowing money is not illegal and does not constitute a crime. It is still illegal to owe money. This is a violation of civil law, not criminal law. Only the court can be sued for repayment, and the public security organ cannot intervene. It is not illegal to owe money, but the act of not paying back money does not constitute a criminal offence, that is, it is not a criminal act.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest 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.