Legal analysis: CMA loan is legal. Dafeiyun Loan is a legitimate company. Duffy Cloud Loan is a mobile client APP that provides a variety of financial information intermediary services. Developed and launched by Duffy Cloud Loan Technology Co., Ltd., it relies on big data risk control system to conduct credit review and establish cooperative relationship with China Financial Certification Center.

Legal basis: Article 90 of the General Principles of the Civil Law stipulates that "the legal lending relationship is protected by law", which determines that when the borrower and the lender conclude, change or terminate the lending behavior, as long as the form and content conform to the legal provisions, the state will be responsible for the debt.

The legitimate rights and interests of the obligee should be protected. On the contrary, when the lender knows that the borrower is gambling, smuggling, cheating, buying and selling.

Those who still borrow money for illegal activities such as drugs or gun trafficking are illegal loans, and their loan relationship is not protected.

Article 6 of the Supreme People's Court's Opinions on People's Courts Handling Lending Cases stipulates: "The interest of private lending may be appropriately higher than the bank interest rate, but the maximum interest shall not exceed four times the bank loan interest rate in the same period, and the excess interest shall not be protected by law." In the form of judicial interpretation, private lending is allowed to be paid, and the lending interest rate can be higher than the bank interest rate, breaking through the previous forbidden zone of private interest-bearing lending.