Legal analysis: it is reliable for financial institutions to purchase personal creditor's rights and customers' securities trading settlement funds. Generally speaking, financial institutions facing bankruptcy or liquidation directly or indirectly return customers' deposits and deposits by purchasing customers' creditor's rights.
Legal basis: Article 546 of the Civil Code of People's Republic of China (PRC). If the creditor transfers the creditor's rights without notifying the debtor, the transfer shall not be effective for the debtor. The notice of assignment of creditor's rights shall not be revoked, except with the consent of the transferee.