Children's savings card account can only be used by cardholders recognized by the issuing bank, and may not be rented or lent. If parents want to withdraw money from their children's savings account, the children have to go to the counter or ATM to operate and enter the correct password to withdraw money smoothly. Entrusting parents to handle this process on their behalf and telling them the password is an authorized operation in law, and there will also be risks and problems in concrete practice.