It is not illegal to cross the bridge, but the risks are high. Fund crossing is legal under reasonable charges, which cannot exceed national laws. However, those who charge relatively high fees without the approval of regulatory authorities, or who exceed the scope of business, regularly issue loans to unspecified objects in society for the purpose of profit, and disrupt the order of the financial market, are illegal acts, and if the circumstances are serious, they will be convicted of illegal business operations. punishment. Legal basis: Article 225 of the Criminal Law of the People's Republic of China and the People's Republic of China. Whoever violates state regulations and commits one of the following illegal business activities, disrupts market order, and the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also A fine of not less than one time but not more than five times the illegal income, or a fine of not less than one time but not more than five times the illegal income, or a fine of not less than one time but not more than five times the illegal income, or confiscation of property shall be imposed if the circumstances are particularly serious; if the circumstances are particularly serious, the person shall be sentenced to fixed-term imprisonment of not less than five years, and shall also be fined not less than one time but not more than five times the illegal income, or have property confiscated: (1) Operating laws and regulations without permission, Specializing in, monopolizing items or other restricted items as stipulated in administrative regulations; (2) Buying and selling import and export licenses, import and export certificates of origin, and other business licenses or approval documents stipulated in laws and administrative regulations; (3) Failure to do so Illegal operations of securities, futures, and insurance businesses with the approval of relevant national competent authorities, or illegal activities of fund payment and settlement business; (4) Other illegal business activities that seriously disrupt market order.