It is not good to have a large loan balance in local and foreign currencies. The total loan balance in local currency and foreign currency. The loan balance refers to the total amount of loans that the borrower has not repaid to the lender as of a certain node date. The loan balance is not the loan amount. The loan amount refers to the contract amount, which is a constant amount. Loan balance refers to the total number of loans that commercial banks have issued as of a certain date. Among the bank's assessment indicators is the loan-to-deposit ratio, that is, the ratio of loan balance to deposit balance cannot exceed 75%, otherwise it will violate regulations and involve great risks. The deposit balance is a liability indicator, and the loan balance is an asset indicator.