Interest is the use fee of money in a certain period of time, and it refers to the reward that money holders (creditors) get from borrowers (debtors) for lending money or monetary capital. Including deposit interest, loan interest and interest generated by various bonds. Under the capitalist system, the source of interest is the surplus value created by hired workers. The essence of interest is a special transformation form of surplus value and a part of profit.

Interest is the reward that the fund owner gets for lending the fund, which comes from a part of the profits that the producer makes by using the fund to play its operational functions. Refers to the value-added amount brought by monetary funds injected and returned to the real economy. The calculation formula is: interest = principal × interest rate × deposit term × x 100%.

An illegal act, also known as an illegal act, refers to an act committed or caused by a specific legal subject (individual or unit) due to subjective fault, which has certain social harm and should be investigated for responsibility according to law. Illegal acts are manifested as abuse of rights beyond the limits permitted by law, acts prohibited by law, and failure to perform statutory positive obligations. State organs, enterprises, institutions, social organizations or citizens who violate the provisions of the law, resulting in the destruction of social relations and social order protected by law, shall bear legal responsibilities according to law.