What can the bank flow reflect?

What can I check the bank flow records? Mainly check these four aspects.

; ? Generally speaking, only when looking for a bank loan, you may need to use the bank running record, but many people don't understand, what is the use of the loan bank running record? What can I check the bank flow records? If we can understand clearly in advance and pay more attention, will it improve the possibility of loan success? With these questions, let's answer them in detail.

What can I check the bank flow records?

Bank journal records generally include five basic contents: transaction date, transaction summary, transaction amount, account balance and counterparty account name. According to the content, we can conclude that banks mainly check the following aspects:

1, to view the specific income amount.

Income can reflect a person's economic level and needs to be measured by specific figures. If you plan to borrow 654.38+10,000 yuan and repay 4,500 yuan every month for two years, the monthly income of the bank is only 5,000 yuan, and the income in the last two years is only1.20 million yuan. So where can you get the repayment ability, unless the monthly living expenses do not exceed 500, which is obviously unrealistic.

2. Check whether the income is stable.

It is definitely not enough to have income on the running water or just equal to expenditure, and the account balance has been close to 0 yuan for many times. It is necessary to ensure that there is a fixed source of income every month on the running record, and the income is greater than the expenditure, leaving a balance, so as to prove your economic ability, and at the same time show that you have a fixed job and can continue to repay on schedule.

Step 3 check spending power

We should know that banks don't like people who "scrimp on food and clothing". They will spend and often spend, so that they can find bank loans and achieve bank loan performance. Moreover, a person with strong spending power will definitely have a good income, because only money can consume. For example, the income from running water is 6.5438+0 million, and the maximum consumption expenditure is 6.5438+0 million. If the consumption expenditure reaches 50,000, the running water income will definitely be 6,543.8+0,000.

4. Check the transaction object

If the transaction object is only a transfer between individuals, it doesn't mean anything; And if the transaction object is other financial institutions, such as CITIC Jiantou or Alipay Bai Hua repayment, etc. This shows that this person pursues high risk and high return, or has certain debts under his name. After considering the risks comprehensively, banks may not necessarily agree to the loan.

The above is about "what can I check the bank's running water records?" I hope it can help you.

What is bank running water?

Bank running water refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card), also known as bank card deposit and withdrawal transaction statement. Simply put, it is the bank card transaction list formed by every deposit and withdrawal, consumption and transfer information on your bank card, which is the bank flow. According to the nature of the account, bank flow can be divided into personal flow and enterprise flow. Generally speaking, the tap water of ordinary office workers is personal tap water, while the tap water of some small and medium-sized business owners and individual merchants is public tap water.

Common bank flow is divided into three forms:

1, wages are flowing.

The wage stream is the stream that banks pay wages, and the word "salary" on it is very valuable because it is the most recognized stream by banks and lending institutions. Wage running water is generally the wage income after deducting social security and provident fund, which is the most accurate proof of the borrower's actual income. Not only that, if the borrower has paid social security and provident fund, it can also reflect the formality of the borrower's unit and show the stability of the borrower's work.

2. Transfer flow

Transfer flow is a flow formed by transaction records of transfer through counters, the Internet or online banks. Generally speaking, only some banks and lending institutions will recognize it.

3. Self-sufficient tap water

The running water deposited by cash transfer or bank card transfer in our bank or other banks is self-deposit. Different from the wage flow, the flow deposited in this way will show "deposit or cash deposit" in the bank flow, which is only recognized by some banks.

What is the function of bank slip?

The role of bank operating bills:

It can reflect personal credit and play the role of credit reporting.

The loan records between individuals and banks reflect the basic situation of past business dealings, that is, personal credit reports. If an individual does not have a credit report, it is difficult to get a loan from a bank.

Extended data:

First of all, the main factors of credit report are:

Student loans, rural credit cooperatives loans, mortgage to buy a house loans, credit card processing, car loans.

Second, the running account

1, personal water:

Personal transaction details, consumption, incoming and outgoing accounts, transfer, online banking, telephone recharge, etc. Within six months.

2. Operating salary:

Individuals working in local companies are obliged to pay personal income tax for employees. The monthly salary is paid by the bank, which pays personal income tax, including consumption, deposit and withdrawal, transfer, online banking and telephone recharge.

3. Large personal flow:

Personal transaction details, consumption, incoming and outgoing accounts, transfer, online banking, telephone recharge, etc. Within half a year, it is reflected in personal business dealings.

4. Personal water use in different places:

Personal transaction details, consumption, account entry and exit, transfer, online banking, telephone recharge, etc. Off-site within six months; Non-wealth management gold card users need to deduct handling fees for transfer and cash withdrawal in different places.

5, enterprise water:

Commonly known as the enterprise statement, the general account opened by the bank where the enterprise is located, and the capital flow of the enterprise within half a year.

References:

Baidu Encyclopedia-Bank Running Bill

What does the bank flow mean?

Bank flow refers to the transaction list of deposit and withdrawal business with the bank within a period of time with the bank card under the customer's own name. It mainly includes the following five contents:

1, individual income tax details;

2. Personal deposit and withdrawal details;

3. Personal transfer details;

4. Charge details;

5. Details of withdrawal fee deduction, etc.

Transaction time, transaction type (deposit, withdrawal, transfer and consumption), transaction amount, account balance, transaction institution and handling counter.

Wait a minute.

Extended data:

In addition, you can also query the bank flow in the following ways:

1. For users who have already started online banking, you can log in to online banking for inquiry.

2. For customers who have already started mobile online banking, they can also log in to the mobile terminal for inquiry.

Precautions:

If you need to prove the details of the bill, please apply for printing and make the printing cabinet round.

Seal the bank. Don't throw away the bank memo after printing it to prevent personal (enterprise) account information from leaking.

The role of bank running water: bank running water is a kind of proof material to prove the income of individuals or companies, and it is also a necessary material to apply for loans from banks.

Baidu encyclopedia-bank flowing water