Legal analysis: Sunshine Pratt & Whitney is a credit company under Sunshine Insurance, not a national bank. They will cooperate with banks to collect money and lend money through them. It still has certain risks and needs to be cautious.

Legal basis: Article 680 of the Civil Code of People's Republic of China (PRC) prohibits high-interest lending, and the loan interest rate shall not violate the relevant provisions of the state.

"Several Opinions of the People's Court on the Trial of Lending Cases" Article 6 The interest rate of private lending may be appropriately higher than that of banks, but it shall not exceed four times the interest rate of similar loans of banks (including the principal interest rate).