1. Positive answer

Asset-liability ratio = total liabilities/total assets × 100%. The asset-liability ratio of different industries is different. For example, the asset-liability ratio of the financial industry is 91%, while the asset-liability ratio of the food and beverage industry is 34%. The amount is very different. This is because the food and beverage industry is a defensive industry. .

2. Analysis details

In the bank's balance sheet, the assets are mainly bank loans, cash, interbank lending and interbank deposits, etc. Liabilities mainly include bank deposits, inter-bank lending and inter-bank deposits, etc. Owners' equity mainly includes current year's profits and self-owned capital. Because banks mainly rely on the interest rate difference between the deposits they receive and the loans they issue to make profits. The debt ratio is generally relatively high, and it mainly relies on financial operating leverage to operate. And shareholders' equity ratio + asset-liability ratio = 1, the equity ratio is low because the bank's main business is lending, and depositors' deposits are listed as liabilities in accounting accounts.

3. What are the factors that usually influence the asset-liability ratio?

1. The level of the enterprise's asset-liability ratio and the proportion of current assets in total assets, the structure of current assets, and the composition of current assets Quality is crucially linked. If current assets account for a large proportion of the company's total assets, it means that the company's liquid funds with fast capital turnover and strong liquidity occupy a dominant position. Even if the asset-liability ratio is high, it is not very scary. The current asset structure mainly refers to the proportion of an enterprise's monetary funds, accounts receivable, inventory and other assets to all current assets. These are the assets with the fastest liquidity and the strongest payment ability among the company's current assets;

2. The level of the company's asset-liability ratio is important to the profit realized by the company that year. Whether the growth rate of profits is greater than the growth rate of asset-liability ratio. If it is greater than that, it will bring positive benefits to the enterprise. This positive benefit will increase the owner's equity of the enterprise. As the owner's equity becomes larger, the asset-liability ratio will decrease accordingly.