Overdue loan divided by owner's equity multiplied by 100%. According to Caijing. com, the capital risk rate refers to the ratio of bank capital to risky assets, which is the minimum capital required by regulators and banks to resist risks, reflecting that the focus of supervision is to prevent risky assets rather than total asset risks. The calculation method is overdue loans divided by owners' equity multiplied by 100%. Therefore, the calculation formula of capital risk rate is overdue loan divided by owner's equity multiplied by 100%.