ICBC's cash pool should be the most comprehensive product in the industry at present. ICBC's fund pool can be centralized in many ways, such as quota collection, zero balance collection, reserve balance collection and manual collection. Target balance allocation, equal allocation, within-limit allocation, manual allocation and other fund allocation methods; Daytime overdraft or linkage payment are two ways to adjust funds; Internal valuation and entrusted loan are two kinds of capital cost accounting methods. The fund pool can help enterprises realize personalized liquidity management through the combination of multiple functions.