Criminal Code of the Republic of China Article 344
This English translation was last updated on 2025-08-01, but the Chinese text was amended on 2026-07-22. Later amendments may not be reflected in the translation — please refer to the Chinese text.
A person who takes advantage of the urgent need, carelessness, inexperience or lack of other resort of another to lend him money or other things at usurious interest obviously inappropriate to the principal shall be sentenced to imprisonment for no more than three years, short-term imprisonment; in lieu thereof, or in addition thereto, a fine of no more than three hundred thousand yuan may be imposed.Usurious interest under the preceding paragraph includes processing fee, custodian fee, default penalty and other fee related to the loan.
中文原文 中華民國刑法第344條
乘他人急迫、輕率、無經驗或難以求助之處境，貸以金錢或其他物品，而取得與原本顯不相當之重利者，處三年以下有期徒刑、拘役或科或併科三十萬元以下罰金。
前項重利，包括手續費、保管費、違約金及其他與借貸相關之費用。
前項重利，包括手續費、保管費、違約金及其他與借貸相關之費用。