One is an ordinary family with a certain savings. This nation is scattered and its financial resources are not very strong. The direction of lending is mainly aimed at residents and individual industrial and commercial households with financial difficulties. The loan term is generally within one year, and the annual interest rate is about 10-20%. One kind is national public officials, especially those with certain gray income, which account for a considerable proportion in individual lending groups. The direction of lending is mainly state-owned enterprises and private enterprises with good benefits, and the lending cycle is long. Because its loans are mostly in the form of secret investment, its income has obvious duality or multiplicity, including interest income, dividend income and bribery income. The yield is between 200% and 500%. Higher is a private institution specializing in investment and financing. Lending refers to a single project and a single production and operation project with less risk, and the term is uncertain. The annual yield is between 60% and 80%. In addition, some illegal or underworld intermediaries use credit card cashing and other forms to obtain funds for usury. Or to support loans with loans, and the lending target is generally individuals or individual merchants. Legal basis: Article 680 of the Civil Code of People's Republic of China (PRC) prohibits high-interest loans, and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free. Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 25 If the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except that the interest rate agreed by both parties exceeds four times the market quotation of one-year loan at the time of the establishment of the contract. The "one-year loan market quotation" mentioned in the preceding paragraph refers to the one-year loan market quotation issued monthly by the National Interbank Funding Center authorized by the People's Bank of China from August 20th, 20th, 20th19th.