Subrogation rights usually refer to the right when the obligor lazed to claim his rights to the third person and harmed the loaner 's rights , the loaner subrogates obligor 's right in the name of the debtor .

代位权一般是指，当债务人怠于行使其对第三人享有的权利而害及债权人的债权时，债权人为保全其债权，可以自己的名义代位行使债务人对第三人之权的权利。