The calculation formula is as follows: total loan loan-to-deposit ratio = ———————— total deposit x 100%. The higher the ratio, the lower the liquidity of the bank. In order to maintain the liquidity of banks, the Bank of China stipulated that the ratio should not exceed 75%. 2065438+On June 24th, 2005, the the State Council executive meeting deliberated and passed the Draft Amendment to the Commercial Banking Law, deleting the stipulation that the loan-to-deposit ratio should not exceed 75%, and changing the loan-to-deposit ratio from a statutory regulatory indicator to a liquidity monitoring indicator.