Legal analysis: the primary lender and the secondary lender are irreplaceable. Due to the different responsibilities of the main lender and the sub-lender, when the main lender and the sub-lender apply for loans at the same time, the financial institutions will strictly examine the main lender. In this case, financial institutions will not agree to change their position. After the loan application is successful, the loan record will only be displayed on the credit report of the main lender, and the credit report of the sub-lender with the same loan will not be displayed. Moreover, during repayment, the financial institution system first deducts all the account balances of the main borrower, and then uses the balance in the repayment account of the sub-lender.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.

Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.