Is there a standard for companies to borrow money from individuals?

Legal analysis: if an enterprise borrows from a non-financial unit, the interest it pays is not higher than the interest on bank loans in the same period, which can be included in financial expenses and deducted before income tax. The excess is solved by the enterprise's own funds.

Legal basis: Paragraph 1 of Article 6 of the Provisional Regulations on Enterprise Income Tax in People's Republic of China (PRC), the interest expenses of taxpayers who borrow from financial institutions in the process of production and operation shall be deducted according to the facts; The interest expense of borrowing from non-financial institutions is not higher than the amount calculated according to the interest rate of similar loans of financial institutions in the same period, and deduction is allowed.