Jingjiang Rural Commercial Bank cannot endorse and transfer.

What you want to ask is the reason why Jingjiang Rural Commercial Bank can't transfer by endorsement? Because the bill has expired.

according to article 36 of the negotiable instrument law of the people's Republic of China: if a bill is refused to be accepted, refused to be paid or exceeds the time limit for presenting payment, it shall not be endorsed and transferred; Where the bill is transferred by endorsement, the endorser shall bear the responsibility of the bill.