The “three funds” are housing provident fund, small business wage arrears security fund and unemployment security fund for the disabled.

1. Housing provident fund: refers to the long-term housing savings deposited by state agencies, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social groups and their employees.

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2. Wage arrears security fund: refers to the social economic system in which the competent department uses the back wages security fund to advance a certain amount of wages to employees in accordance with relevant regulations when the employer defaults on wages to employees and there are circumstances specified in these regulations.

3. Unemployment insurance benefits for disabled people: The system for eligible disabled people to apply for unemployment insurance benefits is to ensure the basic life of disabled people.

1. The three types of insurance include housing provident fund, back wages security fund, and unemployment insurance fund for the disabled.

2. Related knowledge: Five insurances and three funds are the collective name for the legitimate rights and interests of workers, including pension insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, housing provident fund, back wages security fund, and unemployment insurance fund for the disabled.