Whether the annual interest rate of 15% is legal or not depends on referring to the current financial regulations in China. The Regulation on Interest Rate Marketization, which was implemented in 24, stipulates that no institution or individual can absorb public funds at an interest rate higher than the benchmark loan interest rate of the People's Bank of China (currently 4.35%) for the same period. This means that if you encounter a loan or investment with an annual interest rate of 15%, if it exceeds the legal upper limit, it may be suspected of violating the rules.

High interest rates are often accompanied by higher risks. A provider with an annual interest rate of 15% may think that this investment or loan is risky. For potential investors, this may mean a clear understanding of their risk tolerance. When judging whether the annual interest rate is reasonable, we need to consider many factors such as the loan amount, the borrower's credit rating, the loan term and the current market interest rate. It is wise to seek professional advice to ensure accurate information and decision-making basis.

for investment opportunities with an annual interest rate of 15%, it is not recommended to follow blindly, but to conduct in-depth research and weigh the potential benefits and risks. Before making an investment decision, it is necessary to conduct a comprehensive evaluation and risk control, including but not limited to consulting financial experts to ensure the safety of your own funds. Generally speaking, although the annual interest rate of 15% seems attractive, in practice, we should take laws and regulations as the criterion and act cautiously.