The capital flow is the capital flow statement of the stock capital account or the deposit transaction statement of the bank account. In the liquidity and demand table of stock funds, there are funds, dividends and transfers that have been allocated to stocks, with the same interest rate. Bank flow is a convenient proof material, which can be used to check deposit and withdrawal transactions. These will be reflected in the capital flow.

Effective bank flow

Bank flow not only records revenue and expenditure information, but also includes all transaction flows such as deposits, loans, other businesses and bill discounting. It means that if you go to the bank to handle business, even if you just open a card and have no other business such as deposit and withdrawal, there will be running water. In the process of card opening, there will naturally be many customized processes inside the bank. The most common and effective bank flows are:

1. salary flow: salary is the most recognized by banks because it is the best proof of personal income. It is the income after deducting social security and provident fund, which reflects the long-term or prudent nature of my work.

2. Deposit flow: the deposit flow transferred from other banks through cash deposit or my bank card.

3. Transfer flow: the transaction record of transfer through the counter, network or online banking, if there is a fixed time, fixed batch and fixed amount of transfer, belongs to the part recognized by the bank.