1, normal lending is legal. As long as it is a formal way, if it is illegal lending, it is likely to face some criminal responsibility. The crime of illegally issuing loans refers to the behavior that the staff of banks or other financial institutions issue loans in violation of state regulations, and the amount is huge or causes great losses.

2. Legal basis: Article 225th of the Criminal Law of People's Republic of China (PRC).

The crime of illegal business operation violates the provisions of the state and commits one of the following illegal business operations, disrupting the market order, and if the circumstances are serious, it 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 for illegal gains or confiscation of property:

(a) operating a franchise or monopoly commodity or other commodities whose operation 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.

Article 293

One of the following circumstances constitutes the crime of illegal debt collection. If the circumstances are serious, they shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined:

(1) Using violence or coercion;

(2) restricting the personal freedom of others or intruding into others' houses;

(3) intimidating, stalking or harassing others

Second, what conditions should the crime of illegal debt collection meet?

The crime of illegal debt collection shall meet the following conditions:

1, using violence or coercion; Restricting the personal freedom of others or invading others' houses;

2. Threatening, stalking, harassing others, and collecting illegal debts arising from high-interest loans are serious.