Since the son transferred the loan to his parents, and the parents became the main lenders, the bank has the right to investigate the responsibility for failing to fulfill the repayment obligations as agreed.

In fact, the loan cannot be transferred to others, and the actual borrower in the contract needs to bear the repayment responsibility for the debt. Of course, if other guarantors or borrowers apply for loans, they also need to bear some repayment responsibilities, but the most important repayment obligation and responsibility lies with the borrowers themselves. Take the secured loan as an example, unless the borrower has been completely unable to contact or repay, then the party who signed the joint guarantee liability is likely to be pursued by the institution.