It means that the actual total amount of loans issued by banks to real enterprises such as production and sales (rather than virtual enterprises on the Internet) so far is called "balance". For example, as of the end of August this year, the Industrial and Commercial Bank of a certain province had issued various loan balances of 90 billion yuan to automobile factories, electronics factories and all other legal enterprises registered with the industrial and commercial bureau in the province. In other words, all these companies combined owe a total of 90 billion in loans to the Provincial Industrial and Commercial Bank of China.