Paragraph 2 of Article 12 of the General Principles of Civil Law of China stipulates that minors under the age of 10 are persons without capacity for civil conduct, and their legal representatives act as agents for civil activities. The first paragraph of Article 13 stipulates that a mental patient who can't identify his own behavior is a person without civil capacity, and his legal representative acts as an agent for civil activities. The first paragraph of Article 1 1 stipulates that/kloc-citizens over 0/8 years of age are adults, with full capacity for civil conduct, and are able to conduct civil activities independently.

If this son is a person with full capacity for civil conduct, his loan contract with others is legal and valid. According to Article 8 of People's Republic of China (PRC) Contract Law, a legally established contract is legally binding on the parties. The parties shall perform their obligations as agreed, and shall not alter or terminate the contract without authorization. The loan contract is only binding on both parties, that is, only the son can pay the debt, and the parents have no obligation to pay the debt. Of course, if the parents have better financial conditions and the son is in financial difficulties at present, the parents can also voluntarily pay back the money for the son temporarily, and then return it to the parents when the son has the ability to perform. Others cannot force the debtor's parents to pay their debts.

If a son is a person without civil capacity or with limited capacity, he shall first repay it with his original property, and the guardian shall make up the shortfall.