中文：

在融资过程中，担保比例是一个重要的概念。它是指借款人或债务人提供的担保物价值与借款人或债务人的负债总量的比例。担保比例可以反映借款人的偿债能力和财务状况，因此是银行和其他金融机构在决定是否发放贷款时考虑的一个重要因素。

担保比例的计算公式为：担保比例 = （担保物价值 / 负债总量）× 100%。如果担保比例低于一定水平，银行可能会要求借款人提供更多的担保或拒绝发放贷款。而如果担保比例过高，则说明借款人的负债水平较高，财务状况可能存在风险。

在融资过程中，担保比例通常受到多种因素的影响。例如，借款人的信用评级、负债状况、资产状况、经营状况等都会影响担保比例的大小。此外，不同的金融机构对担保比例的要求也可能存在差异。

英文：

In the process of financing, the guarantee ratio is an important concept. It refers to the ratio of the value of the collateral provided by the borrower or debtor to the total liability of the borrower or debtor. The guarantee ratio can reflect the borrower's repayment ability and financial status, so it is an important factor for banks and other financial institutions to consider when deciding whether to issue loans.

The calculation formula of the guarantee ratio is: guarantee ratio = (collateral value / total liability) × 100%. If the guarantee ratio is below a certain level, the bank may require the borrower to provide more collateral or refuse to issue loans. And if the guarantee ratio is too high, it means that the borrower's debt level is high, and the financial situation may be risky.

In the process of financing, the guarantee ratio is usually affected by various factors. For example, the borrower's credit rating, debt status, asset status, management status, etc. will affect the size of the guarantee ratio. In addition, different financial institutions may have different requirements for the guarantee ratio.