Illegal. The full name of Zhongsheng Pratt & Whitney is Zhongsheng Pratt & Whitney Industrial (Shenzhen) Co., Ltd., which was established on 20 19. It is a member of Shi Sheng Butler Company in Jiangxi, located in Shenzhen, Guangdong. It is an enterprise mainly engaged in commercial services. The annual interest rate of loans issued by this company is 39. 1 1%, which is 36% higher than the national interest rate. It belongs to usury, and the extra interest of usury is not protected by the state.