In addition, major domestic banks will also monitor frequent large cash deposits. Strengthen the supervision of personal bank card account transactions, standardize inter-account transactions, prevent related criminal activities, and monitor personal bank cards. Large financial institutions should record, track and investigate large or suspicious transactions between accounts in real time and report them in time when necessary. Mainly to prevent criminals from laundering money through multiple transfers. Generally speaking, personal bank card traffic exceeding 200,000 will be monitored. Bank statement, commonly known as bank statement, refers to the list of business transactions between banks or other bank accounts in a certain period of time. On the day when an individual bank opens an account, he deposits or withdraws foreign currency of more than RMB 50,000 or the equivalent of more than USD 654,380,000.
1. Personal bank accounts and other bank accounts transfer domestic funds of more than 500,000 yuan or equivalent foreign currency of more than 654.38+million dollars on the same day; Or foreign currency with overseas capital of more than 200,000 yuan or equivalent of more than 654.38+0,000 US dollars. In addition, frequent large deposits and withdrawals may also be monitored. Bank flow refers to the deposit and withdrawal transaction records of bank current accounts (including current passbook and bank card). According to the nature of the account, it can be divided into personal traffic and public traffic. Bank running water is a kind of proof material to prove the income of individuals or companies. It is necessary to apply for a loan from the bank. Personal account flow refers to the details of deposit and withdrawal business between customers and banks with their own bank cards (debit cards) or passbooks in a certain period of time.
2. The running of enterprise account refers to the list of deposit and withdrawal business opened by bank customers and enterprise customers (opening enterprise basic deposit account) in enterprise bank accounts within a period of time. The main inputs of daily bank flow are: the input is credit, and the output is debit, mainly including card deposit, deposit, deposit, salary, renewal fee, online banking transfer, payment for goods, service fee, etc. Credit card statement: the transaction record of credit card account. The transaction statement given by the bank to the customer can only be used as a transaction record, not as a daily record of the bank. The main reasons why bank cards are restricted are: abnormal card status, such as degaussing cards, too many password errors, locking and so on. There is something wrong with the ATM. If you are not connected to the network, the transaction will also be restricted. If you hold an IC chip credit card, because UnionPay has turned off the downgrade transaction function, it will also be restricted if you still trade by swiping the card instead of inserting the card.