It depends. If it is stipulated in the contract that the lender cannot be changed, it cannot be changed. If there is no specific agreement, it can be changed according to the principle of party autonomy. Article 5 of the Civil Law of People's Republic of China (PRC) * * When engaging in civil activities, civil subjects shall follow the principle of voluntariness and establish, change and terminate civil legal relations according to their own wishes. Article 143 A civil juristic act that meets the following conditions is valid: (1) The actor has corresponding capacity for civil conduct; (2) the meaning is true; (three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs. Article 471 The parties may conclude a contract by offer, acceptance or other means.