usury refers to a loan or loan whose annual interest rate exceeds 36%. In China's current legal norms, the general usury behavior does not constitute a crime. Only after obtaining loans from financial institutions, it is possible to commit a crime by lending for profit, and the amount of illegal income is more than 1, yuan, or it is not up to the above-mentioned standard of 1, yuan, but it has been subject to administrative punishment for lending at high interest for more than two years, and it is also possible to commit a crime.

Notice on Printing and Distributing the Provisions of the Ministry of Public Security of the Supreme People's Procuratorate on the Standards for Filing and Prosecuting Criminal Cases under the Jurisdiction of Public Security Organs (II), Article 26, [Loan-for-profit Case (Article 175 of the Criminal Law)] If the credit funds of financial institutions are obtained and lent to others at a high profit, it shall be filed for prosecution if it is suspected of one of the following circumstances:

(1) Loan-for-profit, and the amount of illegal income is 1,.

(2) those who have been punished twice or more for lending at high interest within two years, although they have not reached the above amount standard, and have also lent at high interest.