Legal analysis: A bank’s asset-liability ratio below 92 is a normal level. The asset-liability ratio, also known as the debt-to-operating ratio, is an indicator used to measure the ability of an enterprise to use funds provided by creditors for operating activities and to reflect the safety of creditor loans. It is obtained by comparing the total liabilities of the enterprise with the total assets. It is reflected in the total assets of the enterprise as a liability ratio. The main source of bank funds is various deposits. Banks have no ownership rights and only have limited rights of use. Part of the income is returned to depositors in the form of interest, and part of it becomes bank income in the form of deposit-loan differences.

Legal basis: Article 39 of the "Commercial Bank Law of the People's Republic of China" Commercial bank loans shall comply with the following provisions on asset-liability ratio management: (1) The capital adequacy ratio shall not be lower than 8%; (2) The ratio of the balance of current assets to the balance of current liabilities shall not be less than 25%; (3) the ratio of the balance of loans to the same borrower to the capital balance of a commercial bank shall not exceed 100% 10; (4) Other provisions of the State Council’s banking regulatory authority on the management of asset-liability ratios. If a commercial bank established before the implementation of this law does not meet the provisions of the preceding paragraph in terms of its asset-liability ratio after the enforcement of this law, it shall comply with the provisions of the preceding paragraph within a certain period of time. Specific measures shall be prescribed by the State Council.