Legal analysis: first, the transfer of creditor's rights by banks is not a mandatory provision that violates laws and administrative regulations, and the contract should be considered valid. Second, commercial banks can transfer the loan creditor's rights to natural persons, other organizations, financial institutions and non-financial institutions. Third, the transfer of specific loan creditor's rights belongs to the creditor's transfer of contract rights to a third party, not to the business activities of granting loans to unspecified objects in society, and does not involve the qualification to engage in loan business. The transferee does not need to be qualified to engage in loan business. At the same time, this behavior is not an act of evading "no lending between non-financial enterprises". Fourth, commercial banks must operate normally when transferring loan claims to social investors: in order to establish risk management system, internal control system and other corresponding systems and internal approval procedures, the transferred loan claims should be made public in the form of auction to form a fair price. Those who accept social supervision to transfer the loan creditor's rights shall report to the CBRC or its dispatched office and accept the supervision and inspection by the regulatory authorities.

Legal basis: Article 547 of the Civil Code of People's Republic of China (PRC). Where the creditor assigns the creditor's right, the assignee obtains the subordinate rights related to the creditor's right, except that the subordinate rights belong exclusively to the creditor. The transferee's acquisition of subordinate rights is not affected by the failure to go through the transfer registration formalities or transfer possession of subordinate rights.