sub·ro·ga·tion /ˌsʌbroˈgeʃən/
代位,代位償清,更替
Sub·ro·ga·tion n. The act of subrogating. Specifically: Law The substitution of one person in the place of another as a creditor, the new creditor succeeding to the rights of the former; the mode by which a third person who pays a creditor succeeds to his rights against the debtor.
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subrogation
n : (law) the act of substituting of one creditor for another