Among the stocks, the reserve fund is the capital reserve fund transferred by the company to all shareholders, and each reserve fund is the total number of shares divided by the reserve fund. Provident funds are divided into capital accumulation funds and surplus accumulation funds. Provident fund: the difference between issuing bonds at a premium and donating funds in kind as capital accumulation fund. Surplus reserve fund: 65,438+00% of the profit after debt repayment is used as surplus reserve fund. Can be converted into capital. Provident fund is the company's "last reserve", which is not only the material basis for the company's future expansion, but also the hope of shareholders to turn into bonus shares in the future.

The higher the amount of provident fund deposit, the higher and lower the amount of loans and withdrawals.