What does the risk reserve for special loans mean?

As far as I know, the special loan platform used its own fund of 6,543,800+as seed fund, established a risk provision fund and deposited it in Nanjing Bank. At the same time, e-loan promises to continuously replenish the risk reserve at 1~2% of the loan amount every year. The investment behavior of all investors in the platform is applicable to the "principal and interest payment" guarantee, and investors do not need to pay any fees for it. In loans overdue, according to the loan agreement, the "risk reserve fund" is used to advance the remaining loan principal or loan principal and interest to investors (the specific situation depends on the type of investment target and the specific advance rules). As the protection of investors, don't be afraid of not paying back.