亚马逊自发货卖家回款问题解析：储备金机制与放款周期
核心问题解析 / Key Issues Explained
亚马逊自发货卖家每月最期待月初和月中的放款日，但常常会遇到两个典型问题：为什么每次放款后总有上期余款未结？为什么"周四前发货订单当期放款"的承诺未能兑现？
Amazon FBM sellers eagerly await mid-month and month-start disbursements, but frequently encounter two puzzling issues: Why does a residual balance always remain after each payout? Why aren't orders shipped before Thursday included in the current payment cycle as promised?
储备金机制揭秘 / Reserve Mechanism Revealed
对于正常经营的账号，亚马逊实行14天固定放款周期。但由于自发货模式存在较高风险，平台会对FBM卖家账户设置风险储备金，通常保留1-2个放款周期的金额（约$5,000-$40,000），特殊情况下周期可能延长。
While Amazon maintains a standard 14-day disbursement cycle, FBM accounts are subject to a risk reserve system. Typically 1-2 payment cycles' worth of sales ($5k-$40k) are withheld as collateral, with possible extensions during special circumstances.
卖家须知 / Seller Essentials
1. 储备金是正常风控措施，合规经营的卖家最终会收到全部款项
2. 放款延迟与店铺绩效直接相关（ODR指标、退货率等）
3. 新账号前3个月通常面临更严格的储备金比例
1. Reserves are standard risk control - compliant sellers will receive full payment eventually
2. Disbursement delays correlate with account health metrics (ODR, return rates)
3. New accounts typically face stricter reserve ratios for the first 90 days
优化建议 / Optimization Tips
• 保持订单缺陷率(ODR)低于1%
• 将自发货订单转化为FBA可降低储备金比例
• 旺季前提前联系卖家支持确认储备金政策
• Maintain Order Defect Rate (ODR) below 1%
• Converting to FBA can reduce reserve requirements
• Contact Seller Support pre-peak season for reserve clarification
数据来源：亚马逊官方政策文档及TOP 10%卖家的实操经验
Data Source: Amazon policy documents & top 10% sellers' field experience
