存款准备金

• 才(talent; just now)PHONETIC
• 子(child; offspring)ASSOCIATIVE

A talented child is nurtured to survive and grow.

• 冫(ice; cold)RADICAL
• 隹(short-tailed bird)PHONETIC

Cold ice water helps measure water level accurately, thus meaning standard, permissible.

• 金(gold; metal (figurative))ASSOCIATIVE

Metal is an ancient image of precious metal hidden underground, gleaming and sparkling.