1. You can bring your ID card and bank card to the non-cash business window of the bank branch, which will be printed by the bank staff;

2. Bring your bank card to the bank outlet for self-service inquiry and printing. Self-service inquiry machine card, enter the inquiry details page after entering the password, select the historical details, enter the required date for inquiry and printing, and then you can inquire about the printing process;

3. Log in to the personal online bank, open the personal account bill, select the period to query the bill, export the bill details, save the document, and then print it by the printer (prerequisite: online banking function is required).

Second, print the credit report:

1, go to the People's Bank of China for printing. You can bring your ID card to the outlets of China People's Bank in person. There is a self-service inquiry and printing machine in the lobby. You only need to verify your ID card and complete face recognition to apply for printing, which is very convenient. It should be noted that each person can print 2 times a year for free, and charge more than needed;

2. Go to the outlets of commercial banks to print. In order to facilitate the public to handle business, the People's Bank of China has also set up self-service machines at several large commercial bank outlets. Similarly, we can also bring our ID cards to print.

3. Print online. In addition to offline printing, the central bank's credit information system also supports online inquiry. For example, you can log in to the central bank's credit information center, official website, mobile banking of commercial banks and other channels to query and print. After verifying the personal bank card information, you can download the credit report, which is usually completed on the same day.

Why do loans need to provide bank running water?

1. Is the income up to standard?

In order to avoid the borrower's inability to repay, the bank will definitely ask the applicant to provide his own bank flow. By checking the bank flow, you can know the income of the applicant. The bank mainly checks the applicant's salary card income. If the income does not reach the lower income limit of bank loans, you can't apply for loans.

2. Solvency

Different bank loan products have different requirements for the applicant's bank flow. If the loan amount applied by the applicant is relatively high, the bank will naturally require the applicant to have a relatively high monthly income in order to ensure timely repayment every month. If the applicant's monthly income is relatively low, the bank will question the borrower's repayment ability and may be rejected by the bank.

By calculating the applicant's bank flow, you can also calculate the monthly savings balance. If the savings balance is low or zero, it means that the applicant is in a state of no money for a long time, and this group of people is at great risk of applying for loans, so the bank will refuse to provide loans to this group of people in order to reduce the risk of lending.

3. Debt situation

By looking at the applicant's bank flow, the bank can see whether the applicant is in debt. In addition to calculating the bank's running water, the bank will also check whether there is invisible debt through the applicant's personal credit information. If the applicant has a lot of personal online loans, he will not be able to pass the bank's loan review.

4. Interest settlement by running water

Interest is paid when the funds are deposited in the bank, and interest on the balance of funds will be generated around March, June and September of 65438+February in the running water. The bank will judge the borrower's cash flow according to the interest payment. The more interest is paid, the less risk the bank has. Some applicants have a lot of money, but they don't pay interest. The bank will think that your financial situation is not very good.

5. Consumer spending

In addition to recording income, the bank's running water will also record the applicant's monthly consumption expenditure. Banks can further calculate the applicant's current financial situation by looking at the amount and time of consumption and other related information.