(1) the crime of organizing, leading and participating in an organization of a triad nature. The interest rate of usury is too high, and corresponding collection means are needed to ensure the repayment speed. Court proceedings and other legal means are inefficient, so there are illegal means such as violence, illegal detention, forced trading, and destruction of production and operation, such as the Yuhuan case in Liaocheng.
(2) The crime of lending at high interest rate and the crime of illegally absorbing public deposits. Lenders of usury are mostly ordinary people, and the sources of loan funds are diverse. Some people earn spreads by absorbing the principal of banks and other institutions, while others earn spreads by absorbing funds from unspecified public. Without exception, it will destroy the financial order and form the risk of instability, so it will be suppressed.
It's not illegal if it's just usury. If it's not illegal, the police can't control it. Only interests are not protected by law,