Hello, it is not higher than 4 times the national bank loan interest rate when borrowing. If you borrow 10% from the Bank of China, more than 40% is usury. Even if the interest rate of small banks is 15%, it is useless. The excess is illegal income and is not protected by law. On the other hand, if you really borrow usury, don't worry. Go to the public security bureau to expose it.