⚖️ 负债比率计算器Debt Ratio Calculator
用总负债 ÷ 总资产计算负债比率（资产负债率），同时给出权益比率和产权比率（负债/权益），用于评估企业或家庭的财务杠杆。Calculate the debt ratio = total liabilities ÷ total assets, plus the equity ratio and debt-to-equity ratio, to gauge the leverage of a company or household.
使用说明与常见问题How-to & FAQ
「负债比率计算器」是什么？What is the Debt Ratio Calculator tool?
用总负债 ÷ 总资产计算负债比率（资产负债率），同时给出权益比率和产权比率（负债/权益），用于评估企业或家庭的财务杠杆。Calculate the debt ratio = total liabilities ÷ total assets, plus the equity ratio and debt-to-equity ratio, to gauge the leverage of a company or household.
如何使用「负债比率计算器」？How do I use the Debt Ratio Calculator tool?
在「负债比率计算器」中，填写「总负债」、「总资产」等参数，结果会随输入实时计算并显示在下方。In the Debt Ratio Calculator: Fill in "Total liabilities", "Total assets"; results are recalculated instantly as you type.
负债比率和负债收入比是一回事吗？Is this the same as debt-to-income?
不是。负债比率是资产负债表指标：总负债 ÷ 总资产；负债收入比（DTI）是每月还款 ÷ 月收入，用于贷款审批。No. The debt ratio is a balance-sheet measure, liabilities ÷ assets; debt-to-income (DTI) is monthly debt payments ÷ monthly income, used for loan approval.
多少算合适？What is a good debt ratio?
没有统一标准，合理水平因行业和商业模式差异很大，应与同行业公司比较。结果中的 0.4 / 0.6 分界只是常用的经验区间，不是权威标准；超过 1 则表示负债大于资产（账面资不抵债），这是定义而非经验值。There is no single standard; a sensible level varies widely by industry and business model, so compare with peers. The 0.4 / 0.6 cut-offs in the reading are common rules of thumb, not an authoritative standard; above 1 means liabilities exceed assets, which is a definition rather than a rule of thumb.
计算结果可以作为最终依据吗？Can I rely on the result?
「负债比率计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Debt Ratio Calculator uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「负债比率计算器」免费吗？需要注册吗？Is the Debt Ratio Calculator free? Do I need an account?
「负债比率计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Debt Ratio Calculator is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.