How many times the amount of the provident fund needs to be calculated according to specific data. In 2019, for example, the total deposit of the housing provident fund in Suzhou reached 147.78 billion yuan, and the data of Suzhou's loans are not transparent. According to folk speculation, the size of the market in Suzhou may be in the hundreds of billions of yuan. Therefore, the amount of loans in Suzhou may be several times or more than the amount of the provident fund. However, it needs to be emphasized that there are regulatory loopholes in the lending industry, and there is a certain risk, so it is necessary to carefully evaluate and prudently make decisions when borrowing.