Can the transfer record be used as a proof of consumption?

The transfer record can be used as proof of consumption. Nowadays, many people will apply for consumer loans at banks.

There are also certain rules that need to be followed when using consumer loans, and the money must be used for consumption. If you go to buy a wealth management product.

Once the bank finds out, the bank will take back the loan and ask you to pay off the portion of the loan you used immediately.

The transfer record can be used as a proof of consumption.

Transferring money to others can be counted as consumption vouchers, mobile phone text messages, and emails.

communication information of network application services such as instant messaging and communication groups; The transfer record is evidence in itself. Relevant legal basis: Article 14 of the Several Provisions of the Supreme People's Court on Evidence in Civil Proceedings Electronic data includes the following information and electronic documents:

1) Web pages, blogs, and microblogs.

and other online platforms; (2) Communication information from network application services such as mobile phone text messages, e-mail, instant messaging, and communication groups; (3) User registration information, identity authentication information, electronic transaction records, communication records, login logs, and other such information; (4) Documents, audio, digital certificates, and computer programs.

and other electronic documents; (5) Other information stored, processed, or transmitted in digital form that can prove the facts of the case.

Will the bank check the disbursement channel of the loan?

If you apply for a consumer loan at the bank, the bank will check how you spend the loan, and if you use the loan to buy a wealth management product, you will have to bear the corresponding consequences after being found by the bank. So if you apply for a consumer loan, you need to use this loan to make purchases, whether it's a car or some large, durable consumable products, such as washing machines and refrigerators. Don't think that your actions won't be detected by the bank, and once the bank finds out, you will have to bear some consequences, which you are not willing to face.

With the development of society, many people will trade on the Internet, so now the transfer record can also be used as a consumption voucher, which also has a legal basis, and the court will also recognize it.

The answer is no.

Although a transfer record is a proof of payment, it is not a proof of the user's purchase of goods or payment services. The transfer record can only prove the fact that one party transferred money to the other party, and cannot explain the specific content of the payment, so it cannot be used as a consumption voucher. Consumption vouchers include formal invoices, receipts, shopping receipts, etc.

These vouchers can clearly record the name, quantity, ** and other information of goods or services, and can also prove payment behavior and related consumer rights.

By the way, overdue online loans will seriously affect personal credit, in addition to being collected, online loans on credit investigation will make overdue records a permanent stain, seriously affecting the follow-up bank loans and credit card and other businesses. Even if the processed online loans cannot be used for credit investigation, they can also access big data. You can check your online loan history, overdue details, debts, untrustworthy information, and online loan blacklist in "Know Check".

Hope the above information is helpful to you.

1. Is it okay to upload consumption vouchers and transfer records of others?

The transfer record can be used as a proof of consumption. If the cardholder applies for a credit card cash installment, or if the credit card has abnormal transactions and is subject to risk control, the bank may require the cardholder to provide his/her personal consumption voucher to verify the use of funds.

2. Transfer

Transfer accounts refers to a bank currency settlement method that does not directly use cash, but transfers money from the payment account to the receiving account through the bank to complete the currency receipt and payment. It has gradually developed along with the development of the banking industry. When the settlement amount is large and the space distance is long, the use of transfer settlement can be more secure and fast.

In modern society, the vast majority of commodity transactions and monetary payments are carried out through transfer settlement.

On March 28, 2019, the 24-hour post-arrival requirement will be abolished and real-time credit will be implemented.

There are many ways to transfer and settle, which can be mainly divided into two categories: intra-city settlement and non-local settlement. Intra-city settlement includes cheque settlement, payment power of attorney settlement, intra-city collection and acceptance settlement, collection non-commitment settlement and limit check settlement, etc.; Non-local settlement includes non-local collection and acceptance settlement, non-local entrusted collection settlement, exchange settlement, letter of credit settlement and limit settlement.

3. Transfer voucher

A transfer voucher is an accounting voucher used to record other economic operations other than cash and bank deposits. It is based on the original vouchers of the relevant transfer operations and serves as the basis for the registration of the relevant account books.

The accounting vouchers used to fill in the accounting entries of the transfer business if they are filled in according to the original vouchers of the transfer business (i.e., the various businesses that do not involve the receipt and payment of cash and bank deposits) or the original vouchers that are summarized. The transfer voucher is the basis for registering the relevant subledger and the general ledger.

In accounting, transfer vouchers are used to prepare accounting entries that do not involve "cash" and "bank deposits" accounts. For accounting entries involving "cash" or "bank deposits", cash vouchers or bank vouchers (which can also be receipts or payment vouchers) shall be prepared.

It is not recommended to upload the voucher transferred to the individual, and it is better to upload the formal invoice.

It is not allowed to upload the consumption voucher to others for transfer records. Although consumption vouchers include, but are not limited to, invoices, receipts, credit card slips, supermarket shopping bills, transaction contracts, etc., which are used by customers for consumption, in view of the fact that our daily life has gradually changed from traditional card swiping and cash payment to third-party payment such as Alipay and WeChat.

And many merchants may not be able to issue bills, etc., in this case, you can also provide screenshots of Alipay or WeChat consumption. However, it should be noted that the transfer record cannot prove the use of the funds, so it cannot be regarded as a consumption voucher.

Extended information: 1. The consumption voucher is a proof to prove the whereabouts of the funds. The bank does not specify which one it must be, so there is still a lot of room for maneuver. Asking for proof of consumption usually takes place at a bank loan.

After using it for a while. The most common ones are operating loans.

Credit loans, renovation loans.

Credit card loans, etc. The main reason why banks provide consumption vouchers is to meet the requirements of the regulatory authorities, because there are many loans that are earmarked. If you use the funds for other purposes, then you have violated the relevant regulations of the bank, and the bank has the right to require you to repay the loan in advance.

At the same time, if it is found by the regulatory authorities, the bank also needs to be responsible.

2. When we use the above loans, the bank will also remind us to keep the consumption vouchers. However, many friends have ignored this key information. So much so that when the card was swiped later, the receipts and receipts were not kept.

That's why this happens. Therefore, it is recommended that after the special loan is used, you must keep the consumption voucher.

In case the bank needs it, it is convenient to provide it. Because not all banks need to provide consumption vouchers, some banks will not ask for them, but some banks do. So just in case, try to save it.

3. However, it should be noted that the time and amount on the receipt must be matched. Don't open the full amount, generally only need to open more than half of the loan amount. If you really don't have such friends around, you don't know the relevant business.

Then you can take the initiative to contact the bank and explain the situation. After the bank notes, it's fine. But don't keep it unattended, if you still don't provide it when the deadline is reached, then the bank will consider it a default and ask you to repay the loan early.

Consumption vouchers can be issued by merchants, including invoices, receipts, contracts, receipts, etc., as long as any of the above can be provided. If the merchant can't provide it, then you can find a friend who has opened a store around you and ask him to issue a receipt for you, which is also okay.

Transferring money to others can be counted as consumption vouchers, and the communication information of network application services such as mobile phone text messages, emails, instant messaging, and communication groups is evidence in itself. Legal basis: Article 14 of the Several Provisions of the Supreme People's Court on Evidence in Civil Proceedings Electronic data includes the following information and electronic documents:

3. User registration information, identity authentication information, electronic transaction records, communication records, login logs and other information;

5. Other information that can prove the facts of the case that is stored, processed, or transmitted in digital form.

Extended information: The transfer record can be used as a proof of consumption. Nowadays, many people will apply for consumer loans at banks, and there are certain regulations that need to be followed when using consumer loans, and the money must be used for consumption.

If you go to buy a wealth management product and the bank finds out, the bank will take back the loan and then ask you to pay off the portion of the loan you used immediately.

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 invoices can be provided directly when submitting consumption vouchers to the bank.

If the consumption is made on the network and a valid invoice cannot be issued, then you can apply for a consumption voucher by remarking the transaction volume and purpose.

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.

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, it can also be used as a consumption voucher.

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.

It cannot be used as a voucher for transferring to a private person, but it can be used as a consumption voucher for transferring to a real merchant, and it is best for the merchant to issue an invoice to you.

Legal analysis: Transferring money to others can be counted as consumption vouchers, mobile phone text messages, emails, instant messaging, communication groups and other network application service communication information; The transfer record is evidence in itself.

Legal basis: Article 14 of the "Several Provisions of the Supreme People's Court on Evidence in Civil Proceedings" Electronic multi-round evidence includes the following information and electronic documents: (1) Information published on web pages, blogs, microblogs, and other online platforms; (2) Communication information from network application services such as mobile phone text messages, e-mail, instant messaging, and communication groups; (3) User registration information, identity authentication information, electronic transaction records, communication records, login logs, and other such information; (4) Electronic files such as documents, audio, digital certificates, computer programs, etc.; (5) Other information stored, processed, or transmitted in digital form that can prove the facts of Pei Tongfan's case.

Summary. According to Article 2 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases, "when a lender files a lawsuit with the people's court, it shall provide proof of creditor's rights such as IOUs, receipts, IOUs, and other evidence that can prove the existence of the legal relationship between the lender and the lender. ”

Article 17: "If the plaintiff files a private lending lawsuit solely on the basis of the transfer voucher of the financial institution, and the defendant argues that the transfer is to repay the previous loans or other debts of both parties, the defendant shall provide evidence to prove its claim. After the defendant provides relevant evidence to prove its claim, the plaintiff shall still bear the burden of proof for the establishment of the loan relationship.

The Alipay transfer certificate can prove that there is a loan relationship between it and the defendant, which has a factual and legal basis, and if the Alipay transfer record explains the purpose of the transfer, such as who it lent to, how much it borrowed, what the purpose of the loan was, etc., it is more convincing.

Can Alipay transfer records be used as consumption vouchers?

Hello, I am a platform special financial consultant, a practicing lawyer is good at debt processing, financial loans, equity investment, insurance consulting, your question I have seen the fingers, is sorting out the answer paragraph guess, it will take about 3 minutes, please wait a while

Hello Alipay transfer can be used as proof of consumption.

According to Article 2 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases, "when a lender files a lawsuit with the people's court, it shall provide proof of creditor's rights such as IOUs, receipts, IOUs, and other evidence that can prove the existence of the legal relationship between the lender and the lender. "Article 17:

If the plaintiff files a private lending lawsuit solely on the basis of the transfer voucher of the financial institution, and the defendant argues that the transfer is to repay the previous loan or other debts of both parties, the defendant shall provide evidence to prove its claim. After the defendant provided the corresponding sources of evidence to prove its claim, the plaintiff still hailed and should bear the burden of proof for the establishment of the loan relationship. The Alipay transfer certificate can prove that there is a loan relationship between it and the defendant, which has a factual and legal basis, and if the Alipay transfer record explains the purpose of the transfer, such as who it lent to, how much it borrowed, what the purpose of the loan was, etc., it is more convincing.

Thank you for the consultation, I hope I can help you.

I handled the cash business installment in China CITIC Bank, and the bank searched Bi La and knew that I wanted to upload the consumption voucher, and Shihua would like to ask, can the transfer record of the payment of the number of Mao Baoli to others be used as a consumption voucher?

You definitely can't do this.

What can be used as a voucher?

For example, credit card purchase invoices.

This one requires you to swipe your card to make a receipt.

Is it okay to pay the rent from the store?

You're calling it bank risk control.

Be. Can the time be checked?

I haven't paid the rent yet.

I don't know if it's okay?

Oh, then you need the invoice on the time can be right.