1. Asset liquidity ratio refers to the ratio of current assets to current liabilities of commercial banks.

According to the regulatory requirements of the People's Bank of China, the liquidity ratio of RMB and local and foreign currency portfolio assets is not less than 25%, and the liquidity ratio of foreign exchange assets is not less than 60%. Calculation formula:

Asset liquidity ratio = (ending balance of current assets/ending balance of current liabilities) × 100%

2. loan-to-deposit ratio refers to the ratio of total loans to total deposits of commercial banks.

According to the regulatory requirements of the People's Bank of China, the total deposit ratio of RMB and local and foreign currencies shall not exceed 75%, and the foreign exchange deposit and loan ratio shall not exceed 85%. Calculation formula:

Loan-to-deposit ratio = (ending balance of various loans/ending balance of various deposits) × 100%.

3. Medium-and long-term loan ratio refers to the ratio of medium-and long-term loans with a remaining maturity of more than 1 year to deposits with a remaining maturity of more than 1 year, which is used to measure the liquidity reserve capacity of commercial banks.

According to the regulatory requirements of the People's Bank of China, the proportion of medium and long-term RMB loans shall not exceed 65,438+0.20%, and the proportion of medium and long-term foreign exchange loans shall not exceed 60%. Calculation formula:

Medium-and long-term loan ratio = [(medium-and long-term loans+sluggish loans+non-performing loans)/time deposits with a term of over one year ]× 100%.

4. The ratio of borrowed funds refers to the ratio of the balance of borrowed funds of commercial banks to the balance of various deposits.

The main purpose is to control the borrowing funds within the acceptable range of commercial banks, to prevent short-term borrowing, long-term use, or the use of borrowing funds to issue loans, resulting in overloaded business risks, so that commercial banks can achieve self-discipline and self-balance. According to the regulatory requirements of the People's Bank of China, the proportion of borrowed funds shall not exceed 4%, and the proportion of borrowed funds shall not exceed 8%. Calculation formula:

Borrowing ratio = (ending balance of borrowed funds/ending balance of various deposits) × 100% Borrowing ratio = (ending balance of borrowed funds/ending balance of various deposits )×100%.