Wuxi Jushengyuan Loan Company has high informal interest. The company is informal and has no business license. In usury activities, if high-interest lending reaches a certain amount, it constitutes the crime of illegally absorbing public deposits. For the purpose of lending, taking credit funds from financial institutions and lending them to others at a high interest rate, the illegal amount is large, which constitutes the crime of lending at a high interest rate. For the purpose of illegal possession, illegal fund-raising by fraudulent means, and the amount is large, constitutes the crime of fund-raising fraud. Usury can easily lead to criminal offences such as illegal detention, kidnapping, injury and fraud. Non-governmental intermediaries and individuals lend at high interest rate with their own funds, which belongs to non-governmental lending behavior. If there is a loan dispute, it belongs to the category of civil adjustment.