No. Rural commercial bank loans are the internal evaluation of banks. Bank loans should assess the borrower's personal credit status, income status and integrity status. Bank loan evaluation information such as the nature of the borrower's work unit, working years and salary will affect whether the bank loan can be approved. The expected annualized interest rate of bank loans shall be implemented according to the expected annualized interest rate of loans of the same grade in the same period stipulated by the People's Bank of China.