The transfer record can be used as a proof of consumption.
Transferring money to others can be counted as consumption vouchers, communication information of network application services such as short messages, emails, instant messaging and communication groups; The transfer record itself is evidence. Relevant legal basis: Article 14 of the Provisions of the Supreme People's Court on Evidence in Civil Proceedings includes the following information and electronic documents: (1) information published on web pages, blogs, Weibo and other network platforms; (2) Communication information of network application services such as short messages, e-mails, instant messaging and communication groups; (3) User registration information, identity authentication information, electronic transaction records, communication records, login logs and other information; (four) documents, pictures, audio, video, digital certificates, computer programs and other electronic files; (5) Other information stored, processed and transmitted in digital form that can prove the facts of the case.
Will the bank check the expenditure channels of this loan?
If you apply for a consumer loan at the bank, the bank will check how you spend the loan. If you use a loan to buy wealth management products, you will have to bear the corresponding consequences after being discovered by the bank. So if you apply for a consumer loan, you have to use this loan to spend. You can buy a car or some large durable consumer goods, such as washing machines and refrigerators. Don't think that your behavior will not be found out by the bank. Once the bank finds out, you have to bear some consequences, which you don't want to face.
With the development of society, many people will trade online, so now the transfer record can also be used as proof of consumption, which is also legally based and will be recognized by the court.