Available balance is the balance that can be used.
The account balance is the actual balance on the account.
If the account balance on your debit card is different from the available balance, it means that you still have unfinished business.
For example, if the fund is not purchased during the fund business processing time, the purchase of the fund will be temporarily frozen and the business will be completed within the next fund business processing time.
When purchasing wealth management products, the money will only be taken out at the end of the period, and the funds will only be frozen during the fundraising period.
All the above businesses can be cancelled. If you cancel the available balance, it will be the same as the account balance.
There are also cases of judicial freezing and partial balance freezing. Available balance is the actual balance of the account minus the frozen balance.
Credit card If you deposit money yourself, the available balance is your credit limit plus your deposit. The account balance is your own deposit balance.
Two. Balance of deposits and loans in banking industry
The balance of deposits and loans in the banking industry refers to the number of banks and loans. The specific definition is as follows:
1. Bank balance refers to the total amount of funds deposited by users in the bank at a certain time.
2. The balance of the loan is paid by the bank to the borrower, but the borrower has not paid it yet.
3. The balance of deposits and loans can reflect the use of funds by banks.
3. What is the loan balance?
The loan balance is the loan amount of the bank. For example, China's "Commercial Bank Law" stipulates that the ratio of the sum of loan balance and deposit balance shall not exceed 75%. The main source of bank assets in China depends on absorbing public deposits, and the daily operation of banks is to ensure depositors to withdraw money.
4. What is the bank loan balance?
Just go to the bank that handled the loan at that time and print a copy of the loan balance, which is clearly written. How long has the monthly repayment been changed and how much is still outstanding?