I don't know what to do if the bank gives the reserve fund.

The bank gives you a reserve fund: it mainly sends you a text message to lure you to borrow money from the Agricultural Bank of China.

What he means is that it is not easy for you to have a sum of money in your present business. If necessary, you can lend it out and return it at a certain interest rate. His main purpose is that you can borrow money from him, and then he can earn some interest.