The essence of group credit is a form of wealth saving (e.g. money, rice,...), a form of property lending. Purpose of Joining Group Credit is to support and help each other on the basis of agreement and voluntariness of a group of people to contribute a certain amount of capital together A. PERSPECTIVE ON GROUP CREDIT - According to a certain period of time, each person will receive the entire amount once and equally according to the agreement of all capital contributors (for non-profitable ones) or the agreement between the people in the transaction.Ho, hui, bieu, phuong (hereinafter collectively referred to as surname) means a customary form of property transaction based on the agreement of a group of people gathered together to determine the number of people, time, amount of money or other assets, the mode of contribution, the field of surname and the rights and obligations of members. 2. Their organization for the purpose of mutual assistance among the people shall comply with the provisions of law. 3. Where their organization is profitable, the interest rate must comply with the provisions of this Code. 4. It is strictly forbidden to organize them in the form of usury. In addition, on February 19, 2019, the Government issued Decree No.19/2019/ND-CP regulating ho, hui, bieu, phuong. Since that time, bad players have officially had a legal playground for themselves. Decree 19/2019/ND-CP has clearly stipulated the rights and obligations of members and owners in profitable and non-profitable types; determine the responsibilities of the parties to the transaction for humiliation.