The interest rate on the reserve funds of the four major banks is basically above 30%.

Regulations on the base rate of reserve funds: Generally speaking, when the installment coefficient is three installments, the total rate is 2.22%. When the installment coefficient is six installments, the total rate is 4.14%. When there are twelve installments, the total rate is 7.2%; when the number of installments is 24, the total rate is 14.4%.

The reserve fund is a reserve amount allocated by the enterprise to the enterprise's internal fund-raising units or individual employees for sporadic expenses.