1. The running salary is the most recognized income certificate of the bank, and the income after deducting social security and provident fund can accurately reflect the income of the borrower.
2. The bank also recognizes the transaction records of the transfer flow through the counter, network or online banking.
3. Self-deposited running water For some self-employed individuals and merchants who come, it is also ok if they have cash or the running water transferred from their bank cards to other banks every month.
A good bank flow record needs the following characteristics: 1. The part that can't be deposited and taken out within 24 hours, that is, it can't be deposited and taken out on the same day, which will easily make the bank feel that you are brushing the bank flow; 2, generally speaking, credit loans, pay more attention to stable wage income, must meet the continuous 3 months or 6 months of deposit, the balance is not zero, otherwise you will think that you change jobs halfway or other reasons lead to no income, repayment ability is greatly reduced; 3, the deposit time and amount are fixed, don't save it today and save it tomorrow, after all, the day of paying wages every month is fixed; 4. Deposit more and take less, and deposit 1, yuan and take 5, yuan. It is suggested that the expenditure is greater than the income, otherwise it will not be possible to establish a good relationship with the bank, and the money will not stay on the card, which will have a bad influence on the application for credit loans; 5. Occasionally buy some bank financial products, transfer money directly from the card, and contribute to the bank. It will be easier to apply for a loan. To sum up, the bank running record is not a simple bank card transaction record, which can fully reflect your financial and repayment ability, and contains quite a lot of content. Everyone should pay attention to their own bank running records and prepare for bank loans in the future.