Solution: Compensated balance is the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10%~20%).

The calculation formula is as follows:

Real interest rate = nominal interest rate /( 1- compensatory balance ratio)

The actual interest rate of compensatory balance loan =12%/(1-20%) = 0.15 =15%.

Enterprise's actual available loan =1000 * 80% =1000-1000 * 20% = 8 million yuan.