The term "fertility fund" comes from an article in Jiangsu Xinhua Daily encouraging fertility, Raising the Fertility Rate: A New Task for China's Population Development in the New Period. I clearly pointed out that "establishing a maternity fund system and realizing the independent operation of the two-child maternity allowance as far as possible" is only a personal suggestion and has not really been put on the agenda.

It is understood that this second child birth fund refers to citizens under the age of 40, regardless of gender, who pay a certain percentage of their salary every year and enter their personal accounts. If they have a second child or more, they can take out the maternity fund and receive the maternity allowance, otherwise they will take out the account funds when they retire.

Then, according to this meaning, if you are not prepared to have two children, you have to pay more money and you can't take it out until you retire. This statement is not optimistic and supported by everyone. After all, it is not so easy to have a child and cultivate a child, but many people say that even with subsidies, they don't want to have children.