Deposit Reserves vs. Provision Funds: A Simple Guide to What Banks Can Freely Use

The article explains how commercial banks must set aside deposit reserves and provision funds—mandatory reserves locked with the central bank and daily liquidity kept for operations—and how gold‑backed deposit products add complexity, illustrating why only the remaining funds are truly free for the bank to deploy.

bankingfinancial regulationgold-backed deposits

0 likes · 7 min read

Deposit Reserves vs. Provision Funds: A Simple Guide to What Banks Can Freely Use

Chen Tian Universe

Jan 29, 2026 · Operations

Designing a Scalable Fund Allocation System for Global Liquidity Management

This article explains the purpose, architecture, rules, and step‑by‑step process of a fund allocation system that handles high‑frequency, high‑volume transfers across hundreds of global accounts, covering manual and automated methods, reservation models, amount calculations, and exception handling.

financial engineeringfund allocationliquidity management

0 likes · 10 min read

Designing a Scalable Fund Allocation System for Global Liquidity Management

Chen Tian Universe

Jul 8, 2025 · Operations

How CIPS Powers Global RMB Payments: Participants, Liquidity, and Settlement Explained

This article provides a comprehensive, step‑by‑step breakdown of the Cross‑border Interbank Payment System (CIPS), covering its participants, account architecture, liquidity management, operating schedule, risk controls, payment processing logic, and the latest rule changes that shape China’s international RMB settlement infrastructure.

CIPSCross-border paymentsRMB

0 likes · 14 min read

How CIPS Powers Global RMB Payments: Participants, Liquidity, and Settlement Explained