Legal subjectivity:

Bank loans can be transferred, but the consent of the bank must be obtained. The transfer of bank loans is a debt transfer. If the debtor transfers part or all of its debts, it must obtain the consent of the creditor. Otherwise, the transfer will be invalid. If a debt is transferred, its subordinate debts will also be transferred. Legal objectivity:

Article 551 of the "People's Republic of China and Civil Code" If the debtor transfers all or part of the debt to a third party, it must obtain the consent of the creditor. The debtor or a third party may urge the creditor to agree within a reasonable period of time. If the creditor fails to express its consent, it shall be deemed to be disagreement. Article 552 of the Chinese People's Political and Civil Code: If a third party agrees with the debtor to join the debt and notifies the creditor, or the third party expresses its willingness to join the debt to the creditor, but the creditor fails to expressly refuse within a reasonable period, The creditor may request a third party to assume joint and several debts with the debtor within the scope of the debt that the creditor is willing to bear.