0.322 pct. According to the query of China Bank official website, the ratio of ten thousand yuan coefficient of bank loan of users is 1 and 0.00 1, so the ten thousand yuan coefficient of 322 is 0.322%. The ten thousand yuan coefficient is the loan life corresponding to the ten thousand yuan loan, which is specific to the monthly repayment amount. If you want to calculate your own repayment amount, you need to find out the repayment amount of the personal loan period multiplied by the total loan amount, which is the monthly repayment amount of the individual.