1. Since the transfer of creditor's rights does not need to be publicized, there is a risk that the transferor will transfer the original creditor's rights corresponding to the creditor's rights to another third party or set a guarantee on the original creditor's rights.

2. If the original debtor is unable to pay off, the transferee cannot directly claim rights from the debtor;

3. Because the original creditor's rights have not been actually transferred, it is impossible to achieve bankruptcy isolation between the creditor's rights assets and the transferor.

legal ground

Article 551 of the Civil Code stipulates that if the debtor transfers all or part of the debt to a third party, it shall obtain the consent of the creditor.

The debtor or a third party may urge the creditor to give consent within a reasonable time. If the creditor fails to express it, it shall be deemed as disagreement.