Bank statement analysis method, how to calculate bank statement?

The key points of attention are, first, whether the same amount is in and out, including the approximate amount or split, the second is whether the time is in and out on the same day and not overnight, and the third is the counterparty, that is, whether the person or company who transfers in and out, and whether it is a related party. Mainly start with these, no matter what you analyze to do.

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Cash flow is the core indicator to measure the repayment ability of an enterprise, and bank flow, as the carrier of cash flow, is the best way to quickly understand the operation of the enterprise, which can help us efficiently discover the potential problems of the enterprise.

With the popularization of electronic banking, institutions have begun to collect electronic banking statements for more comprehensive and in-depth analysis. So how to analyze cash flow and what problems can it help to find?

Multi-bank flow data integration.

Before starting the analysis, the first step is to integrate the customer's multi-bank multi-format flows. There is a principle of data analysis: "garbage in, garbage out" (useless data in, useless results out) This step is not difficult but very complicated, more than 4,200 banks in China, different formats, to unify the flow information into a standard format, we can have a unified data basis for analysis.

If there are many customer files and a large amount of turnover, manual operation and merger is time-consuming and laborious.

Credibility: Fraudulent and missing accounts.

After the data is integrated, we verify that the company's data is complete and trustworthy. The first is the credibility of enterprise data, if the data is heavily processed and not trusted, the significance of subsequent analysis will be limited. There are several ways to verify the confidence of your data:

Whether the account balance should be continuous, whether the interest received on a quarterly basis matches the average daily balance, and whether the internal transfers between accounts should be matched and offset, etc.

If the data is credible, we then verify the integrity of the data, checking that the data for each account is complete, if there is anything missing, and how much is missing. In addition, it is necessary to check whether the company has submitted all the main accounts: the unsubmitted own account number can be found from the internal transfer, and the transaction amount that occurred can be counted.

It can also determine the bank, account opening place and currency and other information according to the bank of the enterprise, so as to facilitate further collection of flow data from the enterprise.

Data structuring: Label classification and data cleansing.

Labeling and categorization are the basis for structuring cash flow data. For example:

1.Through the information of the legal representative and the shareholders of the enterprise, it is possible to determine whether the counterparty is a related party of the enterprise.

2.Identifying a business as a customer by its scope of business can help us establish industry metrics (e.g., the ratio of wholesaler expenses to total revenue or total expenses).

3.By the registration date, the company is divided into newly established, 1-2 years, 2-5 years, more than 5 years, etc., which can help to find the suspicious companies that have close contacts with the newly established companies.

4.Through the registered capital, the business can be divided into large, medium and small, and so on and each transaction can be classified. First of all, it is divided according to operation, financing and financing, and continues to be classified into internal transfer, sales revenue, loan inflow, current and lending loans, business procurement, salary expenditure, tax payment, water, electricity, rent, travel and so on.

After the tag classification is completed, the data cleansing is completed at the same time. Subsequently, the company's operation can be accurately analyzed, without being affected by internal transfers and investment and financing transactions. Labels and classifications form the basis for our subsequent analysis, which allows for multi-dimensional analysis.

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.

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.