The loan balance can be understood as the total loan amount. Discounted loans that occupy economic capital should also be included in the loan balance, and entrusted loans that are neither on-balance sheet nor off-balance sheet are not included in the loan balance.

The loan balance refers to the total loan that the borrower has not returned to the lender before a certain node date.

Loan balance of short-term loans or long-term loans = loan balance in the previous period+amount incurred by the lender in the current period (increase in financing)-amount incurred by the borrower (repayment of loans).