The total assets are inconsistent with the available balance, because there are outstanding bills on the credit card, and the balance after deducting the bill amount from the total assets is the available balance.

Total assets refer to all assets owned or controlled by an economic entity that can bring economic benefits. Generally speaking, the total assets of an accounting entity are equal to the "total assets" of its balance sheet.

The accounting balance is the difference between the total amount on the left and the total amount on the right in an account in a certain period.

Simply put, total assets refer to all your assets, including current assets and fixed assets, and available balance is one of current assets. For example, the total assets and available balance in zfb, in addition to the available balance, there are some investment and wealth management products, such as gold, funds, stocks, bank deposits and so on. So the total assets you actually see will be different from the available balance.

Extended data:

The characteristic of online banking is that as long as customers have their own account number and password, they can access online banking all over the world to handle transactions through the Internet. Compared with traditional banking services, the advantages of online banking are as follows:

(1) greatly reduces the operating costs of banks and effectively improves their profitability. The second line of Internet I mainly uses public network resources. There is no need to set up physical branches or business outlets, which reduces the use of personnel and improves the efficiency of the bank back-office system.

(2) There is no limitation of time and space, which is conducive to expanding the customer base. Online banking has broken the geographical and time constraints of traditional banking business, and has the characteristics of 3A, that is, it can provide financial services to customers at any time (at any time), anywhere (in any case) and in any way (in any case), which is not only conducive to attracting and retaining high-quality customers, but also actively expanding the customer base and opening up new profit sources.

(3) It is conducive to service innovation and provides customers with diversified and personalized services. Selling financial products such as insurance, securities and funds through bank outlets is often greatly restricted, mainly because it is difficult for ordinary outlets to provide customers with detailed and low-cost information consulting services.

Using the Internet and bank payment system, it is easy to meet the needs of customers for consulting, buying and trading various financial products. In addition to banking, customers can easily buy and sell stocks and bonds online, and online banking can provide customers with more suitable personalized financial services.