最高人民法院《关于人民法院审理借贷案件的若干意见》中规定:“民间借贷的利率可以适当高于银行的利率,各地人民法院可以根据本地区的实际情况具体掌握,但最高不得超过银行同类贷款利率的4倍,超出此限度的,超出部分的利息不予保护。”同时还规定, Some Opinions of the Supreme People’s Court on Handling Cases of Lending by People’s Courts stipulate: “The interest rate of private lending may be appropriately higher than the interest rate of the bank. People’s courts in different regions may have specific control over the actual situation in the region, but they must not exceed the maximum of similar loans of banks 4 times the interest rate, beyond this limit, the excess part of the interest is not protected. ”At the same time also provides that,