1. General reserve: also known as "general reserve", which is a loan loss reserve drawn according to a certain proportion of the loan balance;

2. Special reserve: it refers to the loan loss reserve calculated for different types of loans according to their inherent loss degree or historical loss probability according to the results of loan risk classification;

3. Special reserve: loan loss reserve drawn according to a certain proportion for specific risks in the loan portfolio.

loan loss reserve is a reserve set aside according to the degree of loan loss when there is objective evidence that the loan is impaired, to make up for special losses, to make up for possible losses that have not been individually identified, and to solve the risks of a certain country and region industry or a certain type of loan.