Legal basis: Article 10 of Several Opinions of the People's Court on the Trial of Loan Cases states that a loan relationship formed by one party by means of fraud, coercion or taking advantage of a person's crisis in violation of its true meaning shall be deemed invalid. If the loan relationship is invalid due to the creditor's behavior, only the principal will be returned; If the debtor's behavior causes an invalid loan relationship, in addition to returning the principal, interest should also be paid with reference to the bank's similar loan interest rate.