Legal analysis: Credit card loan re-loan contracts with high interest rates are invalid; (1) defrauding credit funds from financial institutions and re-lending them to borrowers at high interest rates, and the borrower knew or should have known about them in advance; (2) using the loan to others The funds obtained by the enterprise from borrowing money or raising funds from the employees of the unit are then re-lent to the borrower for profit, and the borrower knows or should know in advance; (3) The lender knows or should know in advance that the borrower is borrowing money for illegal and criminal activities and still provides the loan (4) Violates social order and good customs; (5) Other violations of laws and administrative regulations are invalid.

Legal basis: Article 680 of the "People's Republic of China and Civil Code" prohibits usury lending, and the interest rate for borrowing must not violate relevant national regulations. If the loan contract does not stipulate the payment of interest, it will be deemed that there is no interest. If the loan contract does not clearly stipulate the payment of interest, and the parties cannot reach a supplementary agreement, the interest will be determined according to local or party transaction methods, transaction habits, market interest rates and other factors; if the loan is borrowed between natural persons, it will be deemed to have no interest.

Article 175 of the "Criminal Law of the People's Republic of China" If the amount is huge, the offender shall be sentenced to fixed-term imprisonment of not less than three years and not more than seven years, and shall also be fined not less than one time but not more than five times the illegal income. If a unit commits the crime in the preceding paragraph, the unit shall be fined, and the person directly in charge and other directly responsible persons shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention. Article 175-1 Whoever obtains loans, bill acceptances, letters of credit, letters of guarantee, etc. from banks or other financial institutions by deceptive means, causing heavy losses to banks or other financial institutions, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also A fine or a fine alone shall be imposed; if a particularly heavy loss is caused to a bank or other financial institution or there are other particularly serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined. If a unit commits the crime in the preceding paragraph, the unit shall be fined, and the person directly in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.