Based on the Mie theory, the light scattering properties (single scattering albedo, asymmetry parameters, and single scattering phase matrix) in the visible regions of clouds consisting of pure water, pure ice spheres and concentric water-ice spheres are computed respectively. The reflection matrixes of the three types of clouds are evaluated with the adding-doubling method by solving the radiative transfer equation. The reflection characteristics of different light wavelengths are compared. The numerical results show that the polarization degree of reflected light is more sensitive to the particle microphysics characteristics than the intensity of reflected light.