What does a voucher look like? Common vouchers are these

Consumption vouchers are certificates that can be used to prove that consumption has really occurred and the transaction amount is clear, and is mostly used for banks or other financial lending institutions to review the use of funds, which is a kind of risk control.

Means. If you are prompted to upload but don't know what the voucher looks like, then here is a brief introduction for you.

1. What does the consumption voucher look like?

The most direct understanding of consumption vouchers is "invoice", and from the accounting level, the invoice is the only valid voucher that is recognized. But in real life, many immediate consumption may not be invoiced, such as three meals a day, it is impossible to buy a bun and issue an invoice, so in fact, as long as the following characteristics can be met.

1. It can be determined that the payment is made by oneself, and the payee is the operator or merchant;

2. The voucher has key elements such as specific consumption content, consumption time, and transaction amount;

3. If you can issue an invoice, you will issue an invoice and stamp it with a financial seal, and if you can't issue an invoice, you must have a transaction merchant number and transaction flow.

2. What are the common consumption vouchers?

1. Transportation

Air tickets and train tickets can be directly used as invoices;

The fixed invoice of the bus and the machine-printed invoice of the taxi can be requested immediately;

Subway invoices, Didi Chuxing.

Invoices, etc., can be issued uniformly through mobile phone operations, with specific travel details.

2. Daily shopping

Supermarkets can issue invoices with receipts;

As long as the vendor has a merchant collection code, the mobile phone transaction flow has a clear merchant number and transaction number;

For e-commerce shopping, online merchants can be required to issue invoices, and at least the merchant transaction flow of the shopping platform is not opened.

The POS list of card swiping from offline card swiping can well prove my consumption behavior and determine the merchant's collection flow.

3. Contracts

First, the front. Valid consumption voucher refers to the receipt left after the actual consumption.

2. Specific analysis.

Valid consumption voucher is the owner's.

1. Offline consumption, including sales bills, invoices, receipts, bus tickets, plane tickets, train tickets, tickets for tourist attractions, supermarket payment receipts, POS machine consumption bills, medical vouchers, etc.

2. Online consumption, including screenshots of online shopping, debit card bills, and a series of electronic consumption bills.

It should be noted that WeChat transfer cannot be used as a consumption voucher, because WeChat transfer cannot prove that the purpose of the funds is consumption, unless the user can prove that the purpose of the WeChat transfer is consumption, it can be used as a consumption voucher.

In addition to overdue, long lending will also be included in the online loan blacklist if the situation is not good, you can go on: Xiaoqi letter check, detect your own long lending, long lending is mainly the recent application of individuals in lending institutions, it is recommended that you can let yourself slow down first, stop all loan-related operations within three months, and the natural risk index will be reduced after three months, and the blacklist will be eliminated.

3. How to obtain consumption vouchers?

Generally, after the bank has opened a credit business, you may be required to upload consumption vouchers. The so-called vouchers, when using loan funds, can be obtained by asking the merchant for invoices and POS machine purchase orders; As well as screenshots of online trading orders are also feasible; There are also contracts, debit card bills, Alipay bills, and so on; In addition, things like air tickets, bus tickets, attraction tickets, etc. are also fine.

As long as the retained evidence can prove that you have used the loan funds for the purpose specified by the bank; and the date indicated on the voucher is after the date of disbursement of the loan; In addition, the amount aggregated by each voucher is consistent with the amount of the loan applied for, and the difference is not large; Then, after being asked to upload the consumption voucher, you can upload it on time within the agreed time.

If the uploaded voucher does not meet the standard, for example, it cannot prove that the loan funds have been used for the specified purpose, it will be rejected and asked to upload it again. If you fail to upload it on time, the bank is likely to recover the money and ask for a lump sum payment in advance.

The method of obtaining credit card consumption vouchers is actually very simple, in daily life, if we use the credit card POS machine to consume, there will be a printed receipt, if necessary, just keep it yourself. For example, when we use a credit card to shop in a shopping mall, the clerk will give us an invoice and a credit card consumption slip, which are counted as credit card consumption vouchers.

Consumption vouchers are more extensive, receipts, bills, contracts, etc., (I open) to provide the certificate of the spring cherry sedan chair is generally not less than 90% of the amount, almost all major banks will have a consumer loan.

If you consume on the network and cannot issue a valid invoice, you can use the consumption flow as the consumption voucher.

First of all, invoices and receipts, compared with receipts, invoices are still well received in the bank, which can be regarded as consumption vouchers, and can be directly provided when submitting consumption vouchers to the bank.

Second, if the consumption is made on the Internet and a valid invoice cannot be issued, then the application can be used as a consumption voucher by checking the flow of information and the purpose note.

Third, if the purchase or use of a single item, you can let the other company issue a consumption voucher and add an official seal, so as to attach the consumption flow, this method is also applicable, but few people are willing to do this, after all, the responsibility will be in Party A.

Fifth, if you consume through the other party's official website in daily life, and there is no intermediary in it, then, after the fact, you can reissue invoices and certificates, and in the purpose of reissuance, you can also use it as a consumption voucher.

Sixth, if it is a special industry, a special guarantor is required to certify the consumption voucher, and the bank should be consulted for specific details.