Legal analysis: If a bank loan is lent to a third party at a high interest rate and the amount is large. Then whether it has been paid off or not, it will not affect the establishment of the crime of usury. High-interest lending refers to the act of taking credit funds from financial institutions and lending them to others at high interest rates, with a large amount of illegal income.

Legal basis: Article 175 of the Criminal Law of People's Republic of China (PRC) stipulates that anyone who borrows credit funds from financial institutions for profit-making purposes and lends them to others at usury shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also be fined not less than one time but not more than five times the illegal income; If the amount is huge, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, and shall also be fined not less than one time but not more than five times the illegal income.