Legal analysis: After loans overdue, the credit society first asked the borrower to repay. Depending on the loan amount, generally speaking, if the borrower fails to repay the loan for more than three months, he will be sued by the credit union. At present, the limitation period for lending institutions to apply to the people's court for protection of civil rights is two years. The loan business of rural credit cooperatives belongs to the category of general civil legal acts, so the limitation of action is also two years.

Legal basis: People's Republic of China (PRC) Civil Procedure Law.

Article 17 The basic people's courts shall have jurisdiction over civil cases of first instance, except as otherwise provided by this Law.

Article 18 The Intermediate People's Court shall have jurisdiction over the following civil cases of first instance:

(1) Major foreign-related cases;

(two) cases that have a significant impact in the region;

(3) Cases determined by the Supreme People's Court to be under the jurisdiction of the Intermediate People's Court.

Article 119 A prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case;

(2) Having a clear defendant;

(3) Having specific requests, facts and reasons;

(4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.