The withdrawal ratio of loss loan reserve is 100%, that is, the loss loan reserve can be fully withdrawn. According to the relevant regulations of bank loans in China, the provision ratio of loss-making loans can reach 100%, which is summarized according to the special risks of loans and past experiences and lessons, while the provision ratio in foreign countries is set by different banks themselves, and the relevant departments will only clarify the principle of provision.

Classification of loan reserve

1. Incremental loan reserve: refers to the new loan reserve that banks need to pay to the central bank at regular intervals. And this incremental reserve is calculated according to the total amount of bank credit loans during this period. And the base of this credit loan can also be adjusted;

2. Loan stock reserve: that is, if the credit loans of banks or institutions increase to a certain extent, the central bank will levy loans from financial institutions and banks. Moreover, the proportion of this income increase is increased according to the proportion of increase.