1. Determine the time period and loan balance to be calculated. For example, you need to calculate the loan balance at the end of 2020.

2. Query the GDP data during this time period and record it. For example, China's GDP in 2020 is 100 trillion yuan.

3. Query the loan balance data within the time period and record it. For example, China's loan balance at the end of 2020 was 200 trillion yuan.

4. Divide the loan balance by GDP to obtain the ratio of loan balance to GDP. For example, 200 trillion yuan ÷ 100 trillion yuan = 2.

5. Multiply the ratio of loan balance to GDP by 100% to get the loan ratio of 100 yuan of GDP. For example, 2×100%=200%.