The effective flow of banks must meet the following conditions:

1, save more and take less, save 1000 and take 500, otherwise it is invalid, and the expenditure is greater than the income.

2. For credit loans, the deposit time and amount are fixed.

3. If the salary is in cash, the bank flow cannot reflect the salary income of the transferee, please deposit a fixed amount regularly, which can also reflect the effective income.

4.24 hours can't deposit and withdraw money, that is, can't deposit and withdraw money on the same day.

5. Credit loans, which have been deposited continuously for 3 or 6 months, and the balance is not zero.

Extended data

Private account running refers to the bank card (debit card) or bank current passbook in the customer's own name, as well as the transaction list of deposit and withdrawal business with the bank within a period of time.

The operation of legal person account refers to the list of deposit and withdrawal business with the bank in the legal person account of the bank customer "legal person customer" (opening a basic legal person account).

The main forms of bank flow investment: the input is the lender, and the output is the borrower, mainly including card deposit, existing, transfer, salary, renewal fee, online banking transfer, payment for goods, labor fee, etc.

Credit card statement: the transaction record of credit card account is the transaction statement given by the bank to the customer, which can only be regarded as a transaction record, not a bank running record.

day-to-day account

1, personal flow: personal transaction details, consumption, account entry and exit, transfer, online banking, telephone recharge, etc. Within six months.

2. Wage flow: If an individual works in a local company, the company is obliged to pay personal income tax for its 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. It is reflected in personal business flow within half a year.

4. Personal flow in different places: details of personal transactions in different places, consumption, incoming and outgoing accounts, transfer, online banking, telephone recharge, etc. within six months. ; Non-wealth management gold card users need to deduct handling fees for transfer and cash withdrawal in different places.

5. Enterprise flow: commonly known as enterprise statement, the total account opened by the enterprise in the local bank, and the capital flow of the enterprise within half a year.

Baidu Encyclopedia: Are banks flowing? Baidu Encyclopedia: Bank Running Bill

How can the running water of the bank be qualified?

Bank flow is mainly a kind of proof material to prove the income of an individual or company, so a qualified bank flow can directly see the income and consumption of an individual or company, so that the system can calculate the final credit line through the existing data.

Bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card). According to the nature of the account, it is divided into personal running water and enterprise 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. There are three effective bank flows, namely, wage flow, transfer flow and deposit flow. Qualified tap water shall meet the following conditions as far as possible:

1, cannot be saved on the same day, but retrieved on the same day;

2. The running water should be kept for more than 3 months, preferably 6 months;

3. The time and amount of deposit must be determined, such as depositing 5,000 yuan on the day of 10 every month;

4. Save more and take less. If you deposit 1000 and withdraw 2000, the card balance will be considered invalid.

Generally speaking, when handling a loan, you need to submit a personal bank running water for 3-6 months as a reference, so that the bank can intuitively see a person's income and consumption from the running water, so that the system can calculate the final credit line through the existing data.

If you want to apply for mortgage or other large loans, you must prepare high-quality operation records for at least half a year, so as to greatly improve the success rate of applying for loans. To brush out qualified and effective tap water, the borrower needs to meet these conditions:

1. Overnight running water generates current interest, and running water on the same day equals nothing. The correct way is to deposit a large sum of money first, take a small sum in a few days, and then take out a large sum one after another. The longer you save, the better.

When the first fund is almost withdrawn, immediately deposit the second fund, so that there will always be a balance in your bank account. Don't take it all out and save it, the effect will be greatly reduced;

3. The best time to save money is to save a lot of money at the end of the month, the end of the season and the end of the year; If the first month is 10, then try to ensure that every month is around 10;

4. Follow the principle of saving more and taking less, and expenditure must be greater than income;

5, consistency, keep the account always rich, do personal traffic from the beginning, and keep it for more than 6 months. This is a perfect personal account.

6. If you can get foreign exchange, you can open a foreign exchange card to deposit some foreign currency, so much the better, or you can set up your own foreign currency machine.

Generally, the flow generated by using WeChat/Alipay to pay or swipe a credit card is invalid. At the same time, it is necessary to gradually circulate the running water of the bank. If sudden transactions are frequent, it will trigger a bank risk control alarm.

First, how to play the bank running water?

1. After confirming the bank where the passbook belongs, bring your ID card and bank card to the nearest bank outlet, and the staff will print it for you.

2. You can also bring your own card or passbook to the self-service inquiry machine at the business outlets to print it yourself. Self-service printing process:

Self-service inquiry machine-insert card or passbook-enter password-enter inquiry details page-historical details-enter required date for inquiry and printing-inquiry and printing.

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.

Second, matters needing attention

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.

What is an effective bank flow? How many days does it take to save money?

Bank running water refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card), which are valid for one day. According to the nature of the account, it is divided into personal running water and enterprise 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.

You can 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.

Matters needing attention

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.

Extended data:

Housing loan bank process standard

1. First of all, you must find out which bank you are in for the mortgage of the house and which bank's running water details are needed. Then choose the corresponding bank and go to the counter. First, communicate with the bank staff to handle the details of the running water of the mortgaged house.

2. Secondly, housing mortgage loans usually need to provide bank flow for nearly half a year, that is, deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card), which are divided into personal flow and company flow.

3. Then, clarify the detailed rules of the mortgage bank: the working class, the bank will mainly look at the salary flow, the monthly account balance, and the average daily account balance;

Small and medium-sized business owners, self-employed owners, etc. , the bank will mainly check the borrower's import and export account, time deposit balance, etc. ; The requirement of bank flowing water can reflect that there is a relatively stable entrance at a fixed time every month; At the same time, the monthly income of families reflected in the running water of banks is more than twice that of monthly payments;

4. If my tap water can't meet the requirements of the loan bank, then married people can provide tap water for both husband and wife if one of them doesn't meet the requirements, and they can also apply for a loan as long as both husband and wife meet the requirements;

5. If I can't meet the requirements of the loan bank, I can provide personal tax payment certificate or social security certificate to the bank, provided that I pay at the same fixed time every month;

6. If I can't meet the requirements of the loan bank, I can also deposit some money in the bank card at one time and provide proof of income, which can also prove my repayment ability.

Baidu encyclopedia-bank flowing water