[WayneS]

Going to the undergound has two consequences: For those who take out loans, it means having to pay much higher interest rates than they would if they borrowed legitimately. For the lender, it means that if a loan goes unpaid, there isn't much that can be done about it.

Really? I have a sneaking suspicion the Chinese are well versed in the "policies and procedures" of loan-sharking.

[Centurion2000]

Black banks are also more likely a Triad front for laundering.

Cross / default on the Triads at your own risk.

[NativeSon]

I may be wrong but the way I understand it, the Chinese gangsters and crime syndicates frown upon people not paying debts.

They'll probably send them a sternly written letter.