Reserve account is a financial concept, which is mainly used in the daily operation of banks or other financial institutions. It is similar to a savings account, but its main purpose is to deposit certain funds in case of possible payment needs or emergencies.

The existence of reserve account is mainly to ensure the liquidity of financial institutions and avoid the normal operation of institutions due to insufficient funds when there is a sudden demand for large-scale payment. This kind of account is usually used to meet some regulatory requirements, such as banks need to meet a certain capital adequacy ratio, and the funds in the reserve account can be used as part of the capital.

The main significance of understanding the reserve account is that it can help to understand the bank's operation mode and fund management mode, so as to better evaluate the bank's financial situation and liquidity risk.