Problems with cash flow account records? Is cash deposit considered turnover?

Journalistic account is a popular term, that is, it is recorded in sequence according to the order in which the business occurs. For example, if you withdraw 500 oceans from the bank first, and then give the money to the salesman as a reserve, then you have to keep a bank deposit journal (credit 500) first, and then a cash journal.

Every time an account happens, you just have to record it in the corresponding column.

Of course, cash deposits are counted as turnovers, and bank statements refer to the transaction records in the bank's current account, which includes passbooks and bank cards.

Bank flow mainly includes, bank card deposit, cash deposit, account transfer, salary transfer, bank renewal, bank loan, online banking transfer, online banking remittance, etc., which are the main ways of bank flow.

Note: The statement of the credit card account is not a bank statement, this is a transaction record.

The turnover is a combination of outgoing and incoming accounts. Turnover refers to the bank account transaction statement, which refers to the list of deposit and withdrawal business transactions with the bank within a period of time, that is, the flow of funds in the bank account. It should be noted that it is forbidden to falsify the flow of water, and if it is found by the bank, it will be recorded, and even the loan will be rejected for life, and it may even violate the law in serious cases.

Bank statement, commonly known as bank account transaction statement, refers to the list of deposit and withdrawal business transactions between the cardholder and the bank within a period of time, that is, the flow of funds in the cardholder's bank card, so the flow is a combination of outgoing and incoming.

Extended Information:1The role of bank flow is as follows:

1) The bank can judge the customer's economic ability, income level and repayment ability according to the flow of business.

2) Stable and good bank flow can prove that the customer has a good economic income and income and expenditure cycle, and the possibility of bad debts or overdue is relatively small.

3) A beautiful journal is good for credit card applications.

2.There are many people who have misunderstandings about running water, and some of them are done in vain, and the following is a detailed introduction:

1) Wages are not necessarily counted as turnover: Under normal circumstances, the company transfers wages from public accounts, but there are also some small companies that transfer from private accounts, so these streams do not carry the word salary. Only the deposit of the fixed amount will also be considered as a valid turnover.

2) The posting statement is invalid: many people think that all the records that can be found are the flow, but in fact, this kind of bank statement that is quickly deposited and withdrawn is invalid.

3) Depositing less and withdrawing more is also invalid: for example, if you deposit 1,000 yuan and withdraw 5,000 yuan, and the balance in the card is small, this kind of turnover is invalid.

4) Alipay and WeChat payment are invalid flows: Alipay and WeChat payments are becoming more and more convenient, and many people like to bind credit cards to Alipay WeChat, but in fact, the flow of using Alipay WeChat payment is also invalid.

5) Prohibition of creating fake statements: Many people want to obtain bank loans by creating fake statements, once the bank is aware of this, this situation may be recorded, or even rejected for life, and if the circumstances are serious, it will violate the criminal law.

6) These flows are regarded as tainted: in bank cards, many lending institutions have transferred or repaid, and banks are afraid that the customer's debt ratio is too high, and will be used as a deduction.

The bank statement is to look at both the incoming and outgoing accounts, because it is necessary to understand the customer's income and expenditure through the incoming and outgoing accounts, and also to judge the customer's economic income level and repayment ability. If the bank statement provided by the customer has a stable inflow and outflow, it can also prove that it has a good economic income and income and expenditure cycle, and the possibility of bad debts or overdue is relatively small.

Of course, you need to pay attention to the fact that the income is still more important than the outgoing. The bank statement provided by the customer must ensure that the income is more than the outcome, otherwise, the outgoing account is more than the incoming account indicates that its income is not enough, and it is all used for daily consumption. However, providing such flow of money to banks is not conducive to the handling of credit business.

Because the bank is likely to be worried about the customer's insufficient ability to repay, it will reject the customer's request for credit.

Regarding the specific regulations on bank statements, such as housing loans, there are requirements, and the flow income provided by customers is generally not less than twice the monthly payment. Assuming that the mortgage amount applied for is amortized to a monthly repayment amount of 3,000, the monthly income of the customer cannot be less than 6,000.

Extended Information:1Bank 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.

2.How to print bank statements:

1) After you confirm the bank card and the passbook belongs, bring your ID card and bank card to the nearest bank branch to check, and the staff will help you print it.

2) You can also bring your card or passbook to the self-service inquiry machine at the business branch to print it yourself. Self-service printing process: self-service inquiry machine - insert card or passbook - enter password - enter the query details page - historical details - enter the date required for query printing - query - print.

3) For users who have opened online banking, they can log in to online banking for inquiry.

4) For customers who have opened mobile online banking, they can also log in to the mobile terminal for inquiry.

There are three steps for accounting to organize journals.

1. The flow account is a chronological and step-by-step bookkeeping method, that is, the business of recording cash, bank deposits, and goods in and out every day, without classifying other account books. - Generally, it is used as an auxiliary to the official large account, and is mostly used for the cashier's bank deposits and cash daily records. The journal cannot be used as a formal account book, nor does it need to be so formally settled or anything, but it needs to be settled every day to keep track of the amount of funds.

Second, if the flow of accounts - - at the beginning is not very convenient to sort out and bookkeeping, first build a basic set of accounts, and later there are projects in the increase, you can do a classification, such as the various expenses are divided into several categories, and then the whole book is so that your monthly expenses are clear at a glance, ready cash journal and bank journal ledger. 3. Sort out the invoices, receipt dates, and contents according to the contents, and include what expenses should be included in the invoices, on the basis of the invoices. Add the receipt, and the voucher must also be signed by the collation.

The cash flow account is actually sequential accounting.

First of all, clarify the nature of your company, such as the nature of the company, all consumption must have an invoice, if it is an individual, it doesn't matter, as long as there is a receipt for consumption signed by the boss, according to the amount of each consumption one by one.

In general, only the receipt and payment of cash on hand and bank deposits, as well as the settlement of receivables and payables, are registered. Single-entry bookkeeping is suitable for economic individuals and households with simple or very single businesses.

The single-entry accounting method can only reflect one aspect of the economic business, and the accounts do not form a corresponding relationship with each other, so it cannot comprehensively and systematically reflect the ins and outs of the economic business, and it is not convenient to check the correctness of the account books.