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China Third-Party Payment
Client Reserve Fund Calculator

Interactive China legal orientation tool. Review the result with the relevant legal guide and qualified counsel where facts or local implementation matter.

Free calculatorPRC lawAssumption-led estimate
  1. 01Enter facts
  2. 02Get estimate
  3. 03Check assumptions
  4. 04Verify or escalate

Payment institution reserve funds

For example, qualifying cross-border RMB/FX or fund-sales settlement funds can have specific account mechanics; classify under current PBOC rules before including.
Legal basis

PBOC reserve system

Payment institution customer reserve funds were moved to 100% centralized deposit with the PBOC system. The 2021 custody measures define the centralized reserve account and separately recognize specified-business pending settlement funds.

Legal authorityReview the legal-basis section and cited source before relying on the output.
Tool typeCalculator
ScopeNational framework first
Local checkLocal rules and authority practice may differ
Use the output safely

Verify before relying on the result.

  • InputsConfirm dates, amounts, classifications and assumptions.
  • AuthorityCheck the cited rule, effective date and territorial scope.
  • EscalationSeek review for disputed facts, material exposure or imminent deadlines.
When the file needs review

Move from the tool to a verified legal route.

Use the output to organize the facts, then confirm the source, evidence, local implementation and available remedy before acting.