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Owing to the shortage of the city land reserve funds, loan funds generally are applied to reserve the lands besides the own funds. This paper aims at proposing city land reserve decision-making model under the condition of limited reserve funds based on market-oriented operation pattern of the city land reserve. The model can be used to confirm the reorder point in the process of land reserve, so as to optimize city land reserve system. Solution to the model is also presented, furthermore, the real case study on R city is applied to illustrate the application of the model, which also validates the model is scientific and applicable.