The fund manager shall withdraw the risk reserve from the fund management fee income every month, and the withdrawal ratio shall not be less than 10% of the fund management fee income. When the fund manager needs to use the risk reserve, it shall be audited by the relevant fund custodian and submitted to the risk reserve depository bank for handling. When the fund custodian needs to use the risk reserve, it shall be audited by the relevant fund manager and submitted to the risk reserve depository bank for handling.