I am an assistant lawyer in this field. As far as I know, it is definitely legal for Zhongyibailian to be a private lending intermediary. According to the constitution, property law, contract law, company law, guarantee law, general principles of civil law and other legal forms, it is confirmed that market entities have the right to borrow and make profits with their own funds. Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises encourages all kinds of social intermediary institutions to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises.