When the interest income just covers the loss of loan principal, the NPL ratio is the tolerance. If the bank designs tolerance internally and calculates it numerically, the principle is to set the non-performing loan ratio to =X%, (1-X%) 10%=X%

The debt tolerance structure is a further deepening of the concept of "debt tolerance" based on personality trait theory, and is a theory for developing debt tolerance measurement tools The concept is the premise for measuring the debt tolerance (range) of people with different debt tolerance levels, and is the theoretical basis for exploring the impact of debt tolerance on students' behavioral tendencies to be dishonest and dishonest, as well as the psychological laws of debt