Personal bank accounts and corporate bank accounts have different "regulatory" red lines. For personal accounts, if the bank stipulates that the daily transaction amount reaches more than 50,000, it will be automatically listed as the primary concern of the system, while the "red line" of corporate accounts is much higher than that of individuals. If the daily cash transaction amount is 200,000 yuan or more and the transfer amount exceeds 2 million yuan, it will be listed as the supervision object.

1. 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 is divided into personal running water and enterprise running water. Bank running water is a kind of proof material to prove the income of individuals or companies, and it is also a necessary material to apply for loans from banks. 1. Private account flow refers to the details of the bank card (debit card) or bank current passbook in the customer's own name, as well as the transaction list of deposit and withdrawal business with the bank within a period of time. 2. The company account flow refers to the list of bank customers and company customers (with basic company accounts) who have had deposit and withdrawal business with the Bank in the company bank account for a period of time. The main forms of bank flow investment: the input is the lender, and the output is the borrower, mainly including card deposit, existing, transfer, salary, renewal fee, online banking transfer, payment for goods, labor fee, etc. 3. Credit card statement: the transaction record of a credit card account is the transaction statement given by the bank to the customer, which can only be regarded as a transaction record, but not as a bank running record.

Second, the bank card is restricted mainly because of 1 and abnormal card status, such as degaussing the card and too many password locks. There is something wrong with the ATM. If it is not connected to the network, the transaction will be restricted. 3. If you hold an IC chip credit card, because UnionPay has turned off the downgrade transaction function, if you still operate the transaction by swiping the card instead of inserting the card, it will also cause restrictions. 4. Bank cards don't support transactions, such as cards with VISA single logo /JCB single logo, and don't support UnionPay transactions or some online transactions. 5. In case of illegal transactions such as cashing, the system will automatically identify and conduct risk control restrictions. 6. The credit card exceeds the one-day limit of the credit card and restricts the transaction.

Third, personal bank cards will be monitored as long as they strengthen the supervision of account transactions, standardize the trading behavior between accounts and prevent the emergence of related criminal activities. Major financial institutions should record, track and investigate large amounts of funds or suspicious transactions between accounts in real time and report them when necessary. Mainly to prevent criminals from laundering money through multiple transfers.