The loan business should meet the following conditions: (1) the loan enterprise lends funds to unspecified subjects in society; (2) The purpose of lending behavior is to seek high interest; (3) Lending behavior is repetitive and regular (long-term); (4) Taking loan income as the main source of profit. Article 680 of the Civil Code prohibits high-interest lending, and the lending 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.