2. Calculation formula of loan loss reserve.

3. Calculation formula of 3.ibnr reserve.

4. Calculation formula of excess deposit reserve ratio.

1. The deposit reserve ratio is multiplied by the current deposit amount. For example, if the deposit reserve ratio is 10%, it means that every time a financial institution absorbs 100000 yuan deposit, it must deposit100000 yuan deposit reserve in the central bank, and the funds used to issue loans are 9 million yuan.

2. If the deposit reserve ratio is raised to 20%, the loanable funds of financial institutions will be reduced to 8 million yuan.