reserve factor

The protocol keeps a portion of interest as a reserve factor to fund future bad debt coverage.该协议保留一部分利息作为储备，以为未来的坏账偿付提供资金。

A higher reserve factor redirects more income to the protocol treasury at the expense of depositors.较高的储备系数会以牺牲存款人的利益为代价，将更多收益重定向至协议国库。