According to the relevant laws and regulations, the following private lending behaviors are not protected by law: 1, the borrower knows or should know in advance that credit funds are taken from financial institutions and loaned to the borrower at high interest rate; 2. Borrowing money from other enterprises or raising funds from employees of the unit is lent to the borrower for profit, and the borrower knows or should know in advance; 3. The lender knows or should know in advance that the borrower is still providing loans for illegal and criminal activities; 4, contrary to social public order and good customs; 5. Other violations of mandatory provisions of laws and administrative regulations.