Why is the medium-term loan ratio of commercial banks 120% greater than 100%?

The medium-term loan ratio of commercial banks is 120%, which is greater than 100%, because the medium-and long-term loan ratio refers to the ratio of the balance of medium-and long-term loans issued by banks over one year to the balance of various deposits over one year. It reflects the liquidity of bank loans. The higher the ratio, the worse the liquidity. On the contrary, the stronger the traffic xing is. According to the current regulations of China's central bank, the ratio should be lower than 120%.