Legal. According to China's relevant laws and regulations, the loan interest provided by financial institutions such as Ping An Pratt & Whitney and Jin Lu Service should be legal and conform to the provisions of the state or local government on interest rate management. Generally speaking, the loan interest rate of financial institutions will be subject to the approval and supervision of the central bank, the China Banking Regulatory Commission and other regulatory agencies to ensure that within a certain range, it will not exceed the statutory limit to protect the legitimate rights and interests of consumers.