No, according to the rules of inquiring about a rich loan of Jiangnan Rural Commercial Bank, it shows that the single-use credit is no more than one year, which means that the credit period of the loan line is three years, that is, the validity period is three years, so the validity period is three years. Jiangnan Rural Commercial Bank is the first prefecture-level joint-stock rural commercial bank in China, and it is a pilot unit for issuing secondary capital bonds and asset securitization determined by CBRC.