Collecting money for others should bear legal responsibility. Non-financial institutions illegally provide payment and receipt services, and the crime amount reaches more than 2 million yuan. If you are suspected of illegal business operations, you will bear corresponding criminal responsibility. If you don't bear joint and several liability, you won't bear it at all. The premise is to prove that you are only collecting money for the lender in the middle. At the beginning, the loan was paid directly by the lender to the borrower without signing any documents. The client shall bear legal responsibility and collect money. After receiving it, he should write a receipt.

Criminal law of the people's Republic of China

Article 225 Whoever, in violation of State regulations, commits one of the following illegal business operations and disrupts the market order, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also, or shall only, be fined not less than one time but not more than five times the illegal income; If the circumstances are especially serious, he 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 his illegal income or his property shall be confiscated: (1) dealing in franchise, monopoly goods or other commodities whose business is restricted by laws and administrative regulations without permission; (2) buying and selling import and export licenses, import and export certificates of origin and other business licenses or approval documents stipulated by laws and administrative regulations; (three) without the approval of the relevant competent departments of the state, illegally engaged in securities, futures, insurance business, or illegally engaged in fund payment and settlement business; (four) other illegal business activities that seriously disrupt the market order.