In 2020, Shanghai will act as a real bank payroll agent. Learn these tips to make it easy for you to pass

  In 2020, Shanghai will act as a real bank payroll agent
Learning these tips will make it easy for you to pass the test
You are welcome to consult wechat 138-2229-4898
Many small partners who have lent money have such experience
In addition to the bank will ask you to prepare work certificates and income certificates, you will also ask you to provide * if your * doesn't pass the test, you are likely to come with joy, Return sad and disappointed
So why is * so important? What kind of flow will be recognized by the bank? What secrets does it hide that affect loans?
About us: our business is stable for a long time, serving thousands of customers and dealing with * data every day
Familiar with the procedures in handling * bills, how many customers who were not enough for house purchase loans, car purchase loans and visa * and needed to provide * bills for salary increase found us in confusion
Our specialty is your demand! We hope to have a chance to cooperate with each other

Main business:
1、 Full set of packaged car loan, house loan, visa, entry and company qualification

2、 The bank handles payroll flow, cash flow, enterprise flow, deposit certificate, credit certificate and credit certificate on behalf of the bank

3、 The bank prints balance receipts, receipts, self-service receipts and statements on behalf of the bank

4、 True * work certificate, income certificate, on-the-job certificate, resignation certificate and telephone return visit on behalf of the company

5、 Handle individual tax payment certificate, company tax payment certificate, social security payment certificate and individual tax payment on behalf of others

What is required for printing flow?
*How?
1
After you confirm the bank to which the * passbook belongs, take your ID card and * to the nearest bank outlet for inquiry, and the staff will print it for you

2
You can also carry your card or passbook to the self-service inquiry machine at the business outlet to print by yourself

Self service printing process:
Self service query machine -- insert card or passbook -- enter password -- enter the query details page - historical details - enter the date required for query and printing - Query - print

In addition, you can query *:
1
For users who have opened online banking, they can log in to online banking for query

2
For customers who have opened mobile online banking, they can also log in to the mobile terminal for query

Note: if you need the detailed statement of proof, please apply for printing and ask the printing teller to affix the bank seal

 
What is effective flow? What if the income is not enough & ldquo; Do & rdquo; flowing water?
The circular transfer mode of multi person and multi card can be adopted, and the amount can not be the same every time
It's OK to keep a fixed amount of transfer for a period of time every month
But this way is not recommended

What kind of running water is absolutely ineffective?
1
Withdrawal is greater than income
2
Deposit and withdrawal on the same day
3
Long term (within half a year) no funds are received
4
The two sides of the transfer are relatives
There are both dry goods and nonsense
I believe that after reading so much, I believe everyone has a little concept of various details of * and should also understand the operation method
Practice is the only standard to test the truth
Take action quickly and do it boldly

Teach you how to distinguish true and false running water: how to understand bank statements?
1
Q: I don't know where to start when I get my personal *
What aspects can be analyzed to draw explanatory conclusions?
A: From the amount of credit, we can see the cash inflow of customers, which is the most important information

2
Q: does the high frequency or amount of credit mean that the business condition is OK?
A: (1) Yes, basically
Please pay attention to whether the cumulative amount of credit and the account corresponding to each amount are directly related to the sales industry
At present, few enterprises obtain the credit record of the credit department by whitewashing the bank statement six months ago

(2) Bank statements should be comprehensively compared in combination with the customer's bank deposit Sub Ledger, sales revenue Sub Ledger, cost and expense Sub Ledger and the customer's upstream and downstream contracts
Generally speaking, when looking at the statements, one is afraid of false statements; Second, I'm afraid the business is not true
Simply looking at the statement of accounts, the first is to see whether the total amount of running water of the lender exceeds the sales volume, otherwise the sales revenue will be suspected of fraud
Of course, it's not absolute
It's also possible to receive cash here
Second, check whether the inflow and outflow amount is consistent with the customer's business
For example, the customer's commodity purchase and sale amount is about hundreds of thousands, but the bank statement amount is hovering in millions or tens of thousands, so we need to pay attention to it
Ask the reason
In addition, we should pay attention to several points: if the total amount of running water exceeds the sales volume, it does not mean that the sales revenue must be true
It may fall back and forth in several accounts of the customer, Check whether the debit and credit are normal

(3) At present, many customers basically take part of their personal cards
The personal cards brought by customers need to be identified
Do not say that the flow of several cards is their own
Check whether the head of household and the running amount are consistent with the business

(4) Now, in order to evade taxes, many non-standard enterprises use personal accounts for most of their income
When reviewing, we should understand the actual situation of the enterprise

3
Q: what do you think of & ldquo; Customers may have several accounts back and forth; Check whether the debit and credit are normal
The borrower is abnormal
What do you think of this? There are always integer amounts in and out
Is this normal? Are general payments non integer?
A: The bank statement of the enterprise is mainly analyzed from the following points:
(1) Is there any settlement of corporate business during holidays? If so, the bank statement is false

(2) Verify the credit amount of the bank statement
If the credit amount is greater than the current sales revenue of the enterprise, it indicates that the sales revenue of the enterprise is still relatively objective and true, but it can not be recognized in all
(3) Spot check some large transactions in the bank statement, and then verify and confirm them together with the contract and * (or receipt) delivery order to see whether the enterprise has real settlement transaction records, especially in the months before and at the end of the year, because now the enterprise is also very picky, Often use a sum of money or let some enterprises with good relations transfer funds continuously to set up accounts, so as to & ldquo; Raise & rdquo; The amount of credit amount in the bank statement, so we must carefully spot check whether some large capital transactions are consistent with the contract, * or receipt and delivery order, so as to determine the authenticity of the transaction!
(4) At the same time, it is also necessary to identify the authenticity of the statement
Daily flow and reconciliation are very important
This is auxiliary material, but there are connections and exclusions between daily flow and statement
After all, there may be differences in figures between daily flow and statement

① The statement of account and flow sheet shall have matching contracts or warehouse entry and exit bills (or other supporting materials)

② The amount and flow of the credit of the statement (it may be the personal card of the employee and the company leader) depends on whether there is a possibility of going back and forth in the number, which needs to be verified

③ It cannot be said that the larger the amount of credit, the better the operation
The operating income has nothing to do with the amount of credit and running water; In order to avoid tax, many enterprises will also choose to use personal private cards, so the accuracy of the data needs to be investigated and verified

④ In order to help customers with loans, banks will help customers find water
This is the most terrible and needs you to understand and communicate;
⑤ There will be accounts payable and accounts receivable of customers in the past in the statement and flow; Need to investigate, verify and eliminate; If you have made a clear investigation, take the & ldquo; 1” See whether his main business can meet the demand for loan guarantee

Case sharing: Xiao Ou's work is not very stable and often changes jobs
They basically do some temporary work
Recently, Xiao Ou is in a dilemma
Want to improve their living conditions through loans
However, considering their own situation, the application for unsecured loans may not necessarily pass
So Xiaoou found someone to forge a * list and submit it to Ping An Bank
I intend to apply for a new loan of 30000 yuan
During the audit, Ping An Bank identified this * list as forged
Then, after verifying Xiaoou's personal situation, he thought that his working income was unstable and his integrity was also problematic, so he refused his loan application

case analysis
The borrower must put integrity first when applying for a loan
Trying to pass the bank's review by forging * or increasing the loan limit is not feasible

 
Our team sincerely treats guests, integrity-based, excellent service; Professional, pragmatic, efficient and high-quality, create first-class service and establish brand image
Over the years, we have tirelessly pursued technological innovation and provided customers with housing loan * and entry, car loan flow solutions

The company promises:
1: Clearly mark the price and never bid for anything

2: Local real handling, Shunfeng in the same city, available within 24 hours

3: Support inspection before payment

4: Keep privacy confidential and never divulge customer information