Legal analysis: it is illegal for banks to deduct risk money. Venture capital is usually prepared in advance for normal transactions in the market. In China, futures margin can be divided into settlement margin and trading margin according to its function and nature. However, trading margin can be divided into initial margin and additional margin. The meaning of each kind of deposit will be slightly different, but in general, they are all funds used to facilitate the transaction.

Legal basis: Article 5 of the Law of People's Republic of China (PRC) Commercial Bank shall follow the principles of equality, voluntariness, fairness, honesty and credibility in business dealings with customers.