The creditor's rights relationship established between the creditor and the debtor can only be transferred to a third party with the consent of the debtor, otherwise it will violate the agreement and legal provisions. Therefore, in the process of creditor's rights transfer, the creditor needs to negotiate with the debtor and obtain its written consent before transferring the creditor's rights to the third party.

The conditions for the transfer of creditor's rights include the following aspects:

1, the creditor has legal creditor's rights, that is, the right to the assigned creditor's rights;

2. The debtor agrees to assign the creditor's rights, or the creditor may assign the creditor's rights without the debtor's consent under the circumstances stipulated by law;

3. Procedures for the transfer of creditor's rights in accordance with the law, including written notice to the debtor and handling the transfer procedures;

4. The transfer of creditor's rights does not violate the provisions of laws, regulations and contracts, such as the creditor's rights that are prohibited from being transferred;

5. The transfer of creditor's rights does not harm the debtor's interests, that is, the debtor's repayment obligation, interest rate and term will not be affected after the transfer.

The process of creditor's rights transfer generally includes the following steps:

1. The creditor and the assignee reach an assignment agreement: the creditor first needs to contact the assignee to discuss matters related to the assignment of the creditor's rights, including the specific content of the creditor's rights, the conditions and price of the assignment, etc. If both parties reach an agreement, they may sign a written transfer agreement;

2. Notify the debtor: After the creditor and the assignee reach an agreement, they need to notify the debtor in writing in time to inform that the creditor's right has been transferred to the assignee and ask the debtor to transfer the repayment to the assignee's account. The notice shall specify the amount of the assigned creditor's rights, the identity information of the transferee, etc. The form of notification can be written letter, e-mail, etc.

3. Confirmation of creditor's rights transfer procedures: the creditor's rights transfer needs to be carried out in accordance with legal procedures, and the specific requirements may be different according to different laws, regulations and contractual agreements. For example, the transferred creditor's rights need notarization or registration. Creditors need to go through the formalities for the transfer of creditor's rights according to the actual situation to ensure the legitimacy and effectiveness of the transfer procedures;

4. Confirm the qualification of the transferee: the creditor needs to verify the identity information and qualification of the transferee to ensure that it is qualified to transfer the creditor's rights;

5. Completion of delivery: after the formalities of creditor's rights transfer are completed, the creditor transfers the creditor's rights to the assignee, and the assignee pays the transfer price of the creditor's rights;

6. Follow-up management: After the creditor's rights transfer is completed, the creditor needs to update the creditor's rights information in time, register the creditor's rights transfer or notify the relevant departments for the record. The transferee also needs to perform the debt as agreed, such as timely repayment.

To sum up, the specific process of creditor's rights transfer may vary according to the situation, such as the transfer of non-performing creditor's rights, notarization or registration procedures. These need to be handled according to the actual situation.

Legal basis:

Article 545 of the Civil Code of People's Republic of China (PRC)

A creditor may assign all or part of its creditor's rights to a third party, except in any of the following circumstances:

(a) according to the nature of the creditor's rights shall not be transferred;

(two) according to the agreement of the parties shall not be transferred;

(3) It shall not be transferred according to law. If the parties agree that the non-monetary creditor's rights cannot be transferred, they may not confront a bona fide third party. If the parties agree that the creditor's rights are not transferable, they may not oppose a third party.