Legal analysis: the lease term shall not exceed 20 years. More than twenty years, the excess part is invalid. At the expiration of the lease term, the parties may renew the lease contract; However, the agreed lease term shall not exceed twenty years from the date of renewal. Therefore, except for special subjects, the term of collective land lease of other general subjects shall not exceed 20 years at the longest, and if it exceeds 20 years, the excess part shall be invalid.

Legal basis: Article 705 of the Civil Code of People's Republic of China (PRC) stipulates that the lease term shall not exceed 20 years. More than twenty years, the excess part is invalid. At the expiration of the lease term, the parties may renew the lease contract; However, the agreed lease term shall not exceed twenty years from the date of renewal.

Law of the People's Bank of China of the People's Republic of China

Article 24 The People's Bank of China may issue and pay treasury bonds and other government bonds to financial institutions on behalf of the financial department of the State Council.

Article 29 The People's Bank of China shall not provide loans to local governments and government departments at all levels, and shall not provide loans to non-bank financial institutions and other units and individuals, unless the State Council decides that the People's Bank of China may provide loans to specific non-bank financial institutions. The People's Bank of China shall not provide guarantee to any unit or individual.

Article 3 A commercial bank may engage in some or all of the following businesses:

(1) Absorbing public deposits;

(2) Short-term, medium-term and long-term loans;

(3) Handling domestic and international settlement;

(4) Handling bill acceptance and discount;

(5) Issuing financial bonds.

(6) Acting as an agent to issue, honor and underwrite government bonds;

(7) buying and selling government bonds and financial bonds;

(eight) engaged in interbank lending;

(9) Acting as an agent for buying and selling foreign exchange;

(ten) engaged in bank card business;

(eleven) to provide letter of credit services and guarantees;

(12) Agency payment and insurance agency business;

(thirteen) to provide safe deposit box services;

(14) Other businesses approved by the State Council Banking Regulatory Authority.

The business scope shall be stipulated in the articles of association of the commercial bank and reported to the the State Council Banking Regulatory Authority for approval.

With the approval of the People's Bank of China, commercial banks can engage in foreign exchange settlement and sale business.