commercial banks have the risk of cashing deposits. in order to prevent this risk, the central bank allows commercial banks to absorb certain deposits and hand them over to the central bank according to a certain proportion, which constitutes the statutory deposit reserve. Statutory deposit reserve The state stipulates the payment ratio, which is called the statutory deposit reserve ratio. For example, if you absorb 1 yuan, if the statutory deposit reserve ratio is 1%, you will pay 1 yuan for 1 yuan.