This question should be considered from whether the child has civil capacity. Citizens above 1 and 18 have full capacity for civil conduct and can conduct civil activities independently. Citizens who have reached the age of 16 but are under the age of 18 and whose main source of livelihood is their own labor income are regarded as persons with full capacity for civil conduct. If your child is a person with full capacity for civil conduct, then his online loan is an individual civil act and has nothing to do with others. Parents are not jointly and severally liable for their debts, so parents cannot be litigants, and personal property is not sealed up in this case. 2. Minors who are under the age of 10 and under the age of 16 are persons with limited capacity for civil conduct and can engage in civil activities appropriate to their age and intelligence; Other civil activities shall be represented by their legal representatives or with the consent of their legal representatives. People under the age of ten are persons without civil capacity. Online lending belongs to private lending. The establishment and entry into force of a contract should be based on the premise that the qualification of civil subject is legal and effective, that is, it must have full capacity for civil conduct. Otherwise, the online loan contract is a revocable contract. As long as you don't recognize the establishment of this contract, then this contract is invalid. All the contents of the contract are invalid, and the liability for breach of contract does not take effect. However, the money your child got belongs to unjust enrichment and should be returned, and the bank's interest for the same period should also be returned. As guardians of minors, parents should bear the responsibility of guardians, and their property can be frozen or sealed up when the other party applies for property preservation.