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Is it reasonable for individual industrial and commercial households to reserve funds?

Reasonable.

The money of individual industrial and commercial households and public accounts should be reasonably managed in accordance with legal provisions to ensure that the use of funds complies with legal provisions and business needs.

Reserve a certain amount of funds for emergency situations, such as sudden business difficulties or legal disputes.

In addition, setting aside a certain amount of funds can also provide support for the long-term development of the company, such as expanding business scale, upgrading equipment, etc.