Routine loan is an illegal and criminal act, and the principal and interest of the loan are not protected by law.
Routine loan refers to the illegal act of inducing or forcing the victim to sign "loan" or "loan", "mortgage" and "guarantee" and other related agreements for the purpose of illegal possession by falsely increasing the loan amount, maliciously creating a breach of contract, arbitrarily identifying the breach of contract, and destroying the repayment evidence, thus forming false creditor's rights and debts. And illegally occupy the victim's property by means of litigation, arbitration, notarization or violence or threats.
Legal basis:
Article 2 of the Guiding Opinions on Several Issues Concerning Handling Criminal Cases of Black and Evil Forces.
For the purpose of illegal possession, in the name of private lending, those who illegally occupy other people's property by means of "inflating debts", "signing false loan agreements", "making money flow", "arbitrarily determining breach of contract", "transferring bills for settlement" and "false litigation", or forcibly enforce creditor's rights or demand debts by means of violence or threats, shall adopt fraud, forced trading, extortion and extortion according to the specific facts of the case.
Article 186 of the Criminal Law Any employee of a bank or other financial institution who issues loans in violation of state regulations, and the amount is huge or causes heavy losses, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention and shall also be fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is especially huge or especially heavy losses are caused, he shall be sentenced to fixed-term imprisonment of not less than five years and fined not less than 20,000 yuan but not more than 200,000 yuan. Employees of banks or other financial institutions who issue loans to related parties in violation of state regulations shall be given heavier punishment in accordance with the provisions of the preceding paragraph. If a unit commits the crimes mentioned in the preceding two paragraphs, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding two paragraphs. The scope of related parties is determined in accordance with the Law of People's Republic of China (PRC) Commercial Bank and relevant financial laws and regulations. "The subject of the crime of illegally issuing loans can be a unit, so the crime of illegally issuing loans can be a unit crime.