There is no specific law or criminal accusation to crack down on non -governmental usury under the PRC legal framework .Due to the serious social harmfulness of non -governmental usury , lack of legal defini-tion and identification criterion , weak supervision and regulation , constituting an independent crime in practice but lawlessness in terms of criminal penalty , a rising private lending interest rate , etc., it is suggested that China shall enact the "Law of Anti-Usury"and provide a specific criminal accusation on usury so as to supervise and regu-late the usury-related activities comprehensively .China shall provide some provisions in its financial laws and regulations that the commitment of usury is illegal and shall be penalized , provide the legal definition and identifi-cation criterion of usury in the future "Law of Anti-Usury"and add a new criminal charge "Crime of illegal commitment of usury"and its criminal liability in the future "Criminal Law of the PRC"( Revised ) .The crime of illegal commitment of usury shall be a crime of amount and continuous offence .A severe attitude shall be hold to enact the criminal penalty so as to maintain the normal business credit order and financial stability .%我国尚无专门规制高利贷的法律和刑罚罪名。由于民间高利贷社会危害严重、缺乏法律定义和认定标准、受到的监管薄弱、实践中能够独立成罪而刑事打击上却无法可依、民间借贷利率不断推高等原因，建议我国制定“反高利贷法”并将高利贷入罪，全面规制高利贷活动。我国应在规制金融信贷业的法律文本中以若干条文规定非法高利放贷应承担刑事责任，在“反高利贷法”中规定高利贷及其认定标准，并在将来的《刑法》（修正案）中新增罪名“非法高利放贷罪”及其刑事责任。高利贷犯罪属数额犯和连续犯，在刑罚设定上宜采取严厉处罚态度，以维护正常的商业信贷秩序和金融稳定。
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