Risk amount of a single loan = loan amount × risk degree of the loan.

Comprehensive loan risk = σ single loan risk amount/σ single loan amount.

for instance

A bank has a working capital loan of 5 million yuan, and the credit rating of the borrowing enterprise is AA. The loan is guaranteed by a third party, the company's credit rating is AAA, and the loan period is half a year. Understand the risk degree and risk amount of the loan. If loans overdue 1 month, what is the risk degree and amount of the loan?

According to the loan risk coefficient table, the corresponding risk coefficients are 60%, 60%, 105% and 100% respectively, so:

The risk degree of this loan = 60 %× 60 %×105 %×100% = 0.378.

Loan risk amount = 0.378×500 = 1.89 million yuan.

If overdue 1 month, it is:

The risk degree of this loan = 60% × 60 %×10 %×130% = 0.515.

The risk amount of this loan =0.5 15×500=257.5.