Less than 70%. The asset-liability ratio of bank loans is less than 70%, which means that enterprises have less liabilities and have the ability to face the debt crisis. The asset-liability ratio is equal to the percentage of total liabilities divided by total assets. Asset-liability ratio, also known as debt operation ratio, is an index to measure the ability of enterprises to use the funds provided by creditors to conduct business activities and reflect the safety of creditors' loans. It is obtained by comparing the total liabilities and total assets of enterprises, which is reflected in the total assets of enterprises as a debt ratio.