Settlement reserve is the first concept put forward by CSRC and CBRC. The definition of settlement reserve is not clearly given, but the amount paid is specified. Settlement reserve refers to the funds deposited by settlement participants in their fund settlement accounts for securities trading and non-trading settlement according to regulations. The fund settlement account is the settlement reserve account. That is, the balance in your securities account is the total amount of funds automatically transferred out after you buy and sell stocks, which will generate interest.