1. Bank flow mainly shows that: the input represents the lender, and the output represents the borrower, mainly including card deposit, existing deposit, transfer-in, salary, renewal, online banking transfer, loan, labor fee, etc.

2. Take the running list, find a transaction casually, call the bank, enter the inquiry password yourself, and enter the date according to the details on the running list. If it matches the phone report, it's okay, otherwise it's fake.

3. Ask the bank for the statement, and compare the bank deposit ledger with the statement to distinguish the true from the false.

4. There are still some differences between the procedures of actually obtaining bank statements and bank running water. Bank statements are provided by banks to enterprises for auditing, and auditors generally obtain evidence directly from enterprises; For bank flow, auditors and corporate financial personnel are generally required to go directly to the bank to print and collect evidence.

Second, will the loan check the bank's running water?

The answer is yes.

At present, the bad debt rate of banks is relatively high, so banks now pay more attention to the repayment ability of lenders, and running water is the most direct impact, so banks will now be more strict about running water.

China Merchants Bank, in particular, will even give you a running bank, and the audit of the nuclear bank is relatively light and not so strict.

Specifically, as a commercial bank, it will also evaluate your work.

Third, will the bank flow of the loan be checked?

I'll check. The loan needs the bank flow provided by the lender. Materials to be prepared for the loan:

1. Lender ID card;

2. The credit information of the lender in the past six months, and the credit information is good;

3. The bank card under the lender's name has been flowing for nearly half a year without interruption;

4. Lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months) 5. Income certificate issued by the lender's work unit.

Four, the loan money into the salary card, running water can be found?

Yes All the money entered into the bank card can be found in the running water, so the loan money can also be found in the salary card. Bank traffic is divided into personal traffic and enterprise traffic. The purpose of bank running water is mainly to prove the income of individuals or companies, and it is the necessary material to apply for loans from banks.