According to the information inquired by official website, in 20 18, the central bank raised the deposit ratio of reserve funds of third-party payment institutions from 20% to 50%, in order to achieve the goal of centralized management of customer reserve funds and make customer reserve funds more secure.
Third-party payment reserve refers to the user using the bank card to pay through the third-party payment software, but the payee has not received the money and puts the money into the reserve account.