The bank fund pool refers to a fund reserve system set up by banks, which aims to ensure the liquidity and security of the normal operation of banks. The bank fund pool is a certain amount of working capital reserved by banks to cope with the risks in daily operations, to meet the emergency needs of customers and to repay loans in default. The establishment of the bank's fund pool is conducive to ensuring the bank's asset quality, improving its credit and reputation, and at the same time providing conditions for ensuring the stability of the bank's long-term profits and the stable growth of its capital.

For banks with a certain scale, the construction of bank fund pool is essential. The bank fund pool not only involves the bank's capital security, but also involves the bank's reputation and reputation. The construction of bank fund pool needs to be designed and managed quantitatively according to the actual operating conditions, business characteristics and liquidity characteristics of the bank, and the system norms should be formulated according to the regulatory requirements to ensure the value, liquidity, safety and profitability of the bank.

The bank fund pool is the last line of defense for the capital of the banking system, and it is also a measure for banks to deal with irrational market risks. When the market fluctuates abnormally, the bank fund pool can provide guarantee for banks to give priority to maintaining financial stability and risk control. Therefore, the establishment and management of bank fund pool is not only an important way to control the internal risks of banks, but also an important measure to contribute to the economic security and development of the country and society.