The interest rate for a three-year loan: 6.15%,

1. In other words: the interest rate for a three-year loan of 10,000 yuan: 10,000*6.15%*3=1,845 yuan. That is 0.1845 million yuan.

2. Assume there is x million yuan, and the loan interest of x million yuan is: x million * 0.1845 = 0.1845x (ten thousand yuan).