China Construction Bank, formerly known as People's Construction Bank of China, was established in June 1954+ 10/(later renamed as China Construction Bank on March 26th, 1 996). The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit.
The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.
Bank running bill is commonly known as bank card deposit and withdrawal transaction statement, also known as bank account transaction statement. Refers to the list of deposit and withdrawal transactions between customers and banks within a period of time.
Private account running refers to 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.
The operation of legal person account refers to the list of deposit and withdrawal business with the bank in the legal person account of the bank customer "legal person customer" (opening a basic legal person account).
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.
Credit card statement: the transaction record of credit card account is the transaction statement given by the bank to the customer, which can only be regarded as a transaction record, not a bank running record.
Personal credit report is based on the loan records between individuals and banks, and reflects the basic situation of past business transactions. If an individual does not have a credit report, it is difficult to get a loan from a bank.
The main factors of credit report are:
1. Student loan;
2. Rural credit cooperatives loans;
3. mortgage to buy a house housing loan;
4. Credit card processing;
5. Car loan.
Daily account:
Personal flow: personal transaction details, consumption, in and out of accounts, transfer, online banking, telephone recharge, etc. Within six months.
Salary flow: individuals work in the company, and the company is obliged to pay personal income tax for employees. The monthly salary is paid by the bank, which pays personal income tax, including consumption, deposit and withdrawal, transfer, online banking and telephone recharge.
Personal flow: personal transaction details, consumption, account entry and exit, transfer, online banking, telephone recharge, etc. Within half a year, it is reflected in personal business flow.
Personal flow in different places: details of personal transactions in different places, consumption, incoming and outgoing accounts, transfer, online banking, telephone recharge, etc. within six months. ; Non-wealth management gold card users need to deduct handling fees for transfer and cash withdrawal in different places.
Enterprise flow: commonly known as enterprise statement, the total account opened by the enterprise in the local bank, and the capital flow of the enterprise within half a year.