> For the complete documentation index, see [llms.txt](https://support.backpack.exchange/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://support.backpack.exchange/support-docs/cn/jiao-yi-suo/jie-dai/li-yongl-lil-feng-xian/li-yong-l.md).

# 利用率

### 什么是利用率？

利用率指的是借贷池中已被用户借出的资金占总可用资金的百分比。它反映了池子当前有多少流动性正在被使用。

**公式：**\
利用率 = 借出总额 ÷ 出借总额 × 100%

**示例：**

* 如果一个池子中存入了 1,000 USDT，而借出了 800 USDT，
* 那么利用率 = 80%。

***

### 为什么利用率很重要？

* **对于出借人：**
  * 较高的利用率意味着更多资金被积极借出，可能获得更高利息。
  * 但过高的利用率可能会限制提现灵活性，因为大部分资金已被借出。
* **对于借款人：**
  * 高利用率可能导致利率上升，因为对流动性的需求更强。
  * 低利用率通常意味着更低的借款成本和更容易获得资金。
* **对于交易所：**
  * 利用率有助于平衡借贷市场的供需关系。
  * 它会影响动态利率模型 —— 当利用率较高时，利率往往会上升，以鼓励还款和新存款。

***

### 关键参数

* **最佳利用率**：利率开始快速上升的点位，用于鼓励更多资金借出和借款归还。
* **限流利用率**：当达到该利用率阈值时，借出赎回和新增借款会被暂停，以防止利用率达到 100%。
* **最大利用率**：利用率的最高阈值，在此情况下不允许新的借出赎回或新增借款，仓位可能会被自动去杠杆化。

{% hint style="info" %}

### **👉**[**进一步了解与利用率相关的内容**](/technical-docs/cn/jie-dai/li-yonglyu-li-l.md)

{% endhint %}


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