But this case is a special relationship, and the other party has reason to believe that his mother's agency behavior is effective, because this is a special relationship, and his daughter can bear the responsibility accordingly. But strictly speaking, it is invalid, and it needs a good lawyer to be excused and effective. It also depends on the nature of the lender. If the bank or loan company can be completely exempted from liability, but if the lender is an ordinary villager or an elderly person, it should be presumed that the loan relationship and liability are established legally.