Legal subjectivity:

Bank claims can be transferred. Transferring bank claims is not a violation of mandatory provisions of laws and administrative regulations. You can transfer claims to natural persons or other organizations. and financial institutions and non-financial institutional legal persons. The following are the steps for transferring your creditor's rights: Step 1: Sign a creditor's rights transfer contract with the assignee; Step 2: Notify the debtor in writing and inform the debtor of the new creditor's basic information so that the debtor can fulfill its obligations; Step 3: Transfer the creditor's rights to the debtor. When you withdraw from the contract, you no longer have the right to recover the principal and interest as stipulated in the contract; Step 4: A new transferee joins the contract and collects the principal and interest of the loan on behalf of the transferor; Step 5: The debtor enjoys the right to recover the principal and interest The rights of the other party can still be claimed against the new transferee. Legal objectivity:

Article 546 of the Civil Code: If a creditor transfers his creditor's rights without notifying the debtor, the transfer shall not be effective against the debtor. The notice of transfer of creditor's rights shall not be revoked except with the consent of the transferee. Article 547: When a creditor transfers his creditor's rights, the transferee shall obtain accessory rights related to the creditor's rights, except where the accessory rights belong exclusively to the creditor himself. The transferee's acquisition of subordination rights will not be affected by the fact that the subordination rights have not gone through the transfer registration procedures or the possession has not been transferred.