How is bank statement calculated?

It is easy to obtain a valid bank statement, and there are two ways to do it:

1. For employees with stable jobs and income, the monthly unit will pay wages in the form of punching cards. In this case, the borrower only needs to take out his monthly salary from the bank normally, and the bank flow can be formed;

2. For those who have a stable job and income, or have a stable income but are not a unit clock-in, you need to deposit the monthly income in the bank first, and then withdraw it day by day when you use it. This can also form a bank statement.

It should be reminded that if you want to apply for a loan with bank statements, you generally need to have a bank statement that has been stable for about half a year. If it is only for one or two months, it is impossible to apply for bank statement.

Bank card statements are calculated based on bank deposits and transactions or withdrawals. For example, if you deposit 100,000 yuan today and withdraw 100,000 yuan tomorrow, your bank card turnover will be 200,000 yuan. The bank flow mainly examines the customer's capital flow to see whether the customer has a stable cash flow and reflects the customer's ability to repay the loan.

"Liquid" means that the bank's money card should be liquid at all times and should have income and earnings. Accounts must be balanced. The best state is to enter in one stroke and then spend it in different strokes.

Of course, it should be mentioned here that, in principle, in many banks, the account for the payment of the same day is invalid, since the funds are not left overnight in the bank.

Bank statements generally only look at the past six months, and only look at the interest settlement flow and punch card salary flow. Each bank pays interest once a quarter. Generally, it is March, June, September, December.

The specific interest settlement time varies from bank to bank, and is generally around the 20th of the above four months.

Generally, only when applying for a loan, you need a bank statement. And I only look at the flow of water in the past half a year, and I don't look at the previous flow. Among them, the more important thing is the interest flow and punch card salary flow.

Because these two items are the best indication of the applicant's ability to repay. If you have a lot of interest on your bank card, it means that you will have more deposits. There is also the punch-in flow of the company's account, which must be the flow of the company's public account, and the flow of personal account transfer, which is useless.

The larger the rollover, the higher your income, and the stronger your ability to repay.

Here are a few examples to give you a better understanding of what is effective turnover and how to calculate it.

My bank card has millions of incoming and outgoing accounts every day, and no matter how much of this turnover is, it is useless.

The company uses the boss's account to pay you a salary of 30,000 yuan a month, and this kind of turnover is useless.

I will deposit a fixed amount of money into my bank card every month, and I will always have it, so that when the time comes, the bank will give me interest. This kind of interest flow is useful.

The company will use the company's account to pay me a salary of 3,000 yuan per month, and this kind of punch-in salary is also useful.

The first two kinds of running water are invalid running water, which is useless. No matter how much money you put in and out of your account every day, as long as you don't stay overnight, it will be invalid, and it is better to keep 10,000 yuan in the bank card every month. Similarly, banks or financial institutions will also prefer the latter two types of flows.

The first type, a large amount of money in and out of the account, can only indicate that your liquidity is relatively large, but it cannot prove that these funds are yours. The second type, the transfer of the boss's account, cannot be proved to be a salary flow, after all, the flow can be faked. Third, the money has been in the bank, which can prove that the money is yours.

Fourth, the company account payment, because there is a tax to pay, so it can be well proved that this money is the salary. Therefore, of the above 4 types of running water, only the last two are real flowing water, and the first two are invalid flowing water.

Then the bank's flow and funds must exist for a long time in order to calculate interest for you. The bank will not calculate the flow of fast in and fast out.

So to sum up: the bank counts the flow, and only counts two kinds of flow, one is the interest settlement flow. One is to punch in and out of salary.

The interest settlement can prove that the money is indeed yours at present, and the check-in salary flow can prove that the money is indeed paid by the company, which can prove your job stability and salary income level. So these two kinds of running water are useful.

The bank flow is calculated according to the transaction records of the current account including the current passbook and the deposit and withdrawal of the bank card, the flow is a kind of proof material to prove the income of the individual or the company, and it is the material that must be provided when applying for a loan

Ensure that there is a balance in the card at any time, and the more stable the balance in the card, the better;

A similar amount of money will be remitted from a fixed account on a fixed date each month, preferably from a corporate account for more than 6 months;

It is best that the amount deposited and withdrawn is not an integer, and the amount should not be transferred out immediately after a period of remittance, and other sporadic income will be a plus.

When applying for a loan, financial institutions generally require the applicant to provide bank statements to assess the applicant's ability to repay.

Bank statements are also called bank card transaction statements. Every deposit, withdrawal, consumption, and transfer information on your bank savings card will be recorded in detail, and the list of bank card transactions formed is the bank statement.

There are three types of common bank statements: bank salary flows, self-deposit statements and transfer statements. Among them, yisanjiu, xinbang, lingsanyiqi, and China's qiyiqisan are very effective ways. Banks that clearly mark the word "salary" to pay wages on behalf of banks are the most recognized by banks and lending institutions.

Due to the flow of wages paid by the bank, it is generally the salary income after deducting social security and provident fund, which can more accurately reflect the income of the borrower. And if there is a deposit of social security and provident fund, it also shows whether the job is stable.

For example, transfer flow and self-deposit flow are only recognized by some banks and lending institutions. The so-called transfer flow refers to the part of the flow that is marked with "transfer (or online banking transfer)" in the summary list; For many lenders whose income** is cash, after getting the income and then depositing it in the bank, it will show "deposit or cash deposit" on the bank statement, which is called "self-deposited statement" in the industry.

The bank card flow is calculated based on bank deposits and transactions, and the incoming and outgoing accounts are counted as the bank card flow. Suppose = deposit 50,000 today, withdraw 50,000 tomorrow, bank card turnover is 100,000.

Under normal circumstances, bank loans require you to run for half a year, and one in and one out is a flow. It mainly examines your capital flow to see if you have a stable cash flow and reflects your ability to repay.

Bank statement refers to the deposit and withdrawal transaction records of bank current accounts (including current passbooks and bank cards). According to the nature of the account, it is divided into ** water and public water. Bank statement is a kind of proof material to prove the income of an individual or company, and it is a necessary material to apply for a loan from a bank.

If you need to prove the bill flow details, bring your ID card and bank card, go to the nearest bank branch to inquire, apply for printing, and the teller will stamp the bank seal. After printing the bank statement, do not throw it away at will to prevent the disclosure of personal (corporate) account information.

Bank statements are usually divided into two algorithms: 1. Deposit: a whole year's cash entry plus cash expenditure, the method mainly depends on the cash flow of the user's bank card.

2. Withdrawal transaction: If you deposit 200,000 yuan on the same day and withdraw 200,000 yuan the next day, then the bank card turnover will be 400,000 yuan. Bank flow refers to the abbreviation of bank account transaction details, which can not only reflect the financial strength, income characteristics, solvency, and business stability of the account owner, but also reflect the characteristics of different banks, the internal laws of account data, the occupation of the account owner, and consumption habits.

Bank statements do not need to be calculated, and bank statements refer to the deposit and withdrawal transaction records of bank current accounts (including current passbooks and bank cards), including the records of the flow in and out of funds such as consumption, transfer and remittance, and deposit.

Generally speaking, the bank's running account refers to your daily refund, as well as the interest of each month, for example, your monthly salary has been paid to you, this is income, you have seven yuan, then this is the expenditure, if you play the running account again, this will be typed out for you, that is, as long as you give the bank a deposit, what is the time? When will it be typed for you? ，

The bank statement is not calculated, this is your transaction record in the bank, and it does not need to be calculated.

Bank statements are made by banks that check every incoming and outgoing account of your bank card.

The bank's valid flow must meet the following conditions:

1. Deposit more and withdraw less, deposit 1000 and withdraw 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 the form of cash, the bank statement cannot reflect the salary income in the transfer-in side, please deposit a fixed amount at a fixed time, so that it can also reflect the effective income.

The part that cannot be deposited and withdrawn within the hour cannot be deposited and withdrawn on the same day.

5. For credit loans, there is an amount deposited for 3 or 6 consecutive months, and the balance is not zero.

Extended Materials. The personal account statement refers to the bank card (debit card) or bank passbook in the customer's own name, and the details of the deposit and withdrawal business transactions with the bank within a period of time.

Corporate account flow refers to the list of deposit and withdrawal business with the bank in the corporate bank account of the bank customer "Corporate Customer" (opening a basic corporate account) for a period of time.

The main performance of the bank's input is as follows: the input performance is the credit side, and the output performance is the debit side, mainly including card deposit, existing, transfer-in, salary, renewal, online banking transfer, payment, labor fee, etc.

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

Bills. 1. Personal ** water: personal transaction details, consumption, in and out of accounts, transfers, online banking, phone bill recharge, etc. within half a year.

2. Salary flow: Individuals work in local companies, and the company has the obligation to pay individual income tax for employees, monthly salary bank issuance, bank payment of individual income tax, consumption, in and out of accounts, transfers, online banking, phone bill recharge, etc.

3. Large amount of personal water: personal transaction details, consumption, incoming and outgoing accounts, transfers, online banking, phone bill recharge, etc., within half a year, and personal business transactions are reflected.

4. Personal non-local flow: personal non-local transaction details, consumption, in-and-out accounts, transfers, online banking, phone bill recharge, etc. within half a year; Non-wealth management gold card users need to deduct handling fees for remote transfers and cash withdrawals.

5. Enterprise flow: commonly known as the general account opened by the local bank where the enterprise is located, and the capital flow of the enterprise within half a year.

Generally speaking, there are two algorithms for bank flows, and the cash is recorded in the account for a whole year (natural year), that is, on the bank side.

A whole year (calendar year) of cash in the account + cash outlay, this mainly depends on the cash flow of your bank card.

Generally, the staff of the bank will ask you which one you are playing, for example, deposit 100,000 yuan today and withdraw 100,000 yuan tomorrow

The bank statement is the record of the property in and out of the bank, that is, the record of the income and expenditure of the bank card. As long as you bring your ID card to the bank and ask for a certain period of time to be printed.

As long as you bring your ID card and bank card, you can go to the bank counter to screen the bank statement.

You need to go to the bank counter to make a bank statement.

There are three main types of bank statements: bank salary payment statements, self-deposit statements and transfer statements.

The bank statement is mainly determined based on the monthly flow in and out of the account. It is the sum of the funds in and out of your bank card, collectively referred to as bank statements.

1.Bank statements are available in paper and electronic versions.

The paper version is printed from the bank and has the bank's seal;

The electronic version is imported from the online banking, and because the exported data is in text format, it needs to be converted into a numerical format to calculate.

2.There are three main types of bank statements: bank salary payment statements, self-deposit statements and transfer statements.

Salary statement: issued by the bank, it is a personal income certificate that is fully recognized by the bank.

Transfer flow: The transaction record of transfer through the counter, Internet or online banking, if there is a fixed time and a fixed amount of transfer, it belongs to the part recognized by the bank.

Self-deposited flow: The flow deposited by cash or bank card transfer of other banks is a valid flow.

1. For individuals, the bank statement is the monthly transaction expenditure or deposit, which will be sorted according to the date to list each expenditure and income. 2. For the unit, the bank statement is also the expenditure or income of the normal transaction every month, but there will be an additional bank statement, which is based on whether the internal transactions of the enterprise are consistent with the bank's flow.

In the past, when I was working, I would go to each bank to print the corresponding bank statements and statements, which are the materials that accounting needs to use, so I have to complete them every month. The bank statement also reflects the income and expenditure of an enterprise every month, no matter which aspect of the income and expenditure is paid, you should clearly know the detailed process. The bank statement is aimed at the final settlement of the bank and the final settlement of the enterprise to see if there is a gap and whether the gap is within the normal range.

3. If we want to know our bank statement, we can go directly to the bank's self-service counter machine to get the corresponding ID card and bank card, and we can directly obtain the flow details.

In the past, you only needed to get a bank card to print the corresponding statement on the counter, but now there will be stricter regulations, and you must present the bank card and ID card at the same time to be eligible to print the statement. In fact, most people also want to see if their overall income and expenses are normal. Generally, as an individual, it is rare to do such a thing, and the enterprise will do more, because after all, the enterprise has to rely on the bank flow to do the accounting.