Legal analysis: there are certain legal risks in reporting the loss of shell company accounts. It is not illegal to follow the formal business operation process, but it is necessary to conduct accounting and tax declaration every month, and publicize the annual report of the enterprise according to the regulations, otherwise it will be blacklisted until the license is revoked. Moreover, if shell companies are used to engage in various illegal and criminal activities such as fraud, involving a wide range of fields, disrupting economic order and endangering economic security, relevant departments will severely crack down on various illegal and criminal activities carried out by shell companies and maintain market economic order. Shell companies usually have the following characteristics: 1, no directors have been appointed, 2, official seals, stocks and other documents required by law have been prepared, and 3, they have never started business. Therefore, as long as buyers provide the required documents, they can use shell companies immediately without worrying about hidden risks. In most countries or regions, such as Hong Kong, Singapore, Britain, the United States and Cayman Islands, the use of shell companies is extremely common. Usually, a ready-made company will not appoint any directors before the sale, and the company has no right to carry out business, so there will be no potential risks.
Legal basis: Article 6 of "Several Opinions of the Supreme People's Court on People's Courts Handling Loan Cases" can be higher than the bank's interest rate, and local people's courts can specifically grasp it according to the actual situation in the region, but the maximum shall not exceed 4 times (including interest rate) of the bank's similar loan interest rate. Beyond this limit, the excess interest will not be protected.