Legal analysis: Banking financial institutions should strictly abide by the relevant provisions of national laws, regulations, rules and normative documents, improve and strictly implement the corresponding risk management system and internal operating procedures.

Legal basis: Notice of China Banking Regulatory Commission on further regulating the transfer of credit assets of banking financial institutions.

Two, the credit assets mentioned in this notice refers to the normal credit assets that have been identified and transferred, and the provisions of this notice are not applicable to the transfer and disposal of non-performing assets.

The transferor of credit assets shall obtain the consent of the borrower before transferring the credit assets, unless otherwise agreed in the original loan contract.

Three. The transferee of credit assets shall conduct due diligence on the credit assets to be transferred, including but not limited to the borrower's credit standing, business operation, compliance and legality of the use of credit assets, and guarantee.

The transferee of credit assets shall submit the credit assets to be transferred to the credit examination and approval department for strict examination, re-evaluate the loan risk, put forward the examination opinions, and go through the examination and approval procedures according to the regulations.