The transfer of online loan creditor's rights is prosecuted in different places.

The assignment of creditor's rights, also known as the assignment of contractual rights, refers to the act of creditors transferring all or part of their creditor's rights to a third party through agreement. There are two forms on the online lending platform. One is the sale of creditor's rights between investors. (For example, C invested 20,000 yuan in borrower A, and now it is in urgent need of funds, and transferred the unexpired 20,000 creditor's rights to B to realize the creditor's rights and withdraw from the original creditor's rights and debts relationship. At the same time, B becomes an investor in the creditor-debtor relationship of this loan. Another way is that the platform sells its creditor's rights to investors and promises to buy back. This model blurs the positioning of its own information intermediary, and the transfer of creditor's rights in P2P lending has basically disappeared with the deepening of the rectification process of online lending industry.

Legal objectivity:

Article 545 of the Civil Code: A creditor may assign all or part of his creditor's rights to a third party, except in any of the following circumstances: (1) According to the nature of his creditor's rights, he may not assign them; (two) according to the agreement of the parties shall not be transferred; (3) It shall not be transferred according to law.