Yes, but online banking cannot be opened; Conditions for banks to handle debit cards (savings cards) and open online banking: 1. China citizens who live in China 16 years old or older should present their resident identity cards or temporary id card to open debit cards. 2. If you need to open online banking, you need to hold a valid ID card and bank card to open online banking at the local counter when it is above 18. 3. If you are over 16 years old but under 18 years old, in principle, your guardian should handle the e-banking business on your behalf. At the time of handling, the household registration medium, the valid identity documents of the person and the guardian, the household registration book proving the guardianship relationship between the two parties or other valid certification materials issued by the local public security organ shall be presented. Online lending is risky and needs to be cautious. Loans are not recommended.

legal ground

People's Republic of China (PRC) Civil Code

Article 21 An adult who cannot identify his own behavior is a person without capacity for civil conduct, and his legal representative shall act as his agent to carry out civil legal acts.

The provisions of the preceding paragraph shall apply to minors over the age of eight who cannot identify their own behavior.

Article 22 An adult who can't fully recognize his own behavior is a person with limited capacity for civil conduct, and shall be represented by his legal representative or approved and ratified by his legal representative when performing civil legal acts. However, civil legal acts that are purely beneficial or suitable for their intellectual and mental health can be implemented independently.

Article 23 The guardian of a person without or with limited capacity for civil conduct is his legal representative.