Guanhuangjiang Town Commercial Loan and Dongguan Huangjiang Fajia Sunshine Fast Loan usury refers to private lending that requires extremely high interest rates. The interest rate is usually determined by both borrowers and lenders through consultation, but the interest rate determined through consultation between the two parties shall not exceed 4 times the interest rate of financial institutions of the same grade in the same period announced by the People's Bank of China, excluding fluctuations. Those who exceed the above standards should be defined as high-interest loans.