The interest rate of 4.75 should be the annual interest rate of postal savings, because this interest rate level is preceded by a percentage sign: 4.75%, that is, the annual interest rate of 100 yuan is 75 points in 4 yuan; The annual interest rate of a loan of 10 thousand yuan is 475, which is already a very high interest rate at the current interest rate level, so this interest rate should be the annual interest rate; If it is a monthly interest rate, then the annual interest rate is: 4.76% x12 = 57.5%; The loan interest rate protected by law cannot exceed 24%, which has reached 33.5%, so the interest rate of 4.75 should be the annual interest rate.