所谓“高利贷”是指相对于银行贷款利率而言的高利率借款。人民法院在处理民间借贷纠纷时，限制高利率。　　最高人民法院在《关于人民法院审理借贷案件的若干意见》中规定： (一 )民间借贷的利率可以适当高于银行利率，人民法院可根据本地区的实际情况具体掌握，但最高不得超 The so-called “usury” refers to high interest rate borrowings relative to bank lending rates. People’s courts limit high interest rates when handling disputes over private lending. The Supreme People’s Court stipulated in the Several Opinions on the Trial of Cases of Borrowing by People’s Courts: (1) The interest rate of private lending may be appropriately higher than the bank interest rate, and the people’s court may have specific control according to the actual situation in the region, but the maximum shall not exceed