The creditor's rights transfer plan refers to the investment and financing products issued by legally established enterprises, institutions, legal persons, partnerships or other economic organizations to specific investors, with the creditor's rights in the contract as the pledge guarantee and agreed to repay the principal and interest within a certain period of time.

Its essence is the business approved by the local financial office, with the purpose of supporting the development of the real economy and complying with relevant laws, regulations and policies. Products issued by various gold exchanges need to be filed with the local financial office.