个人流水主要看什么：中文篇

个人流水，也称为个人账户交易明细，是记录个人银行账户资金流动情况的重要凭证。在审查个人流水时，我们主要关注以下几个方面：

首先，要看流水的真实性。这涉及到流水的来源是否可靠，是否存在伪造或篡改的情况。真实的流水能够反映个人的真实经济活动和资金状况，是评估个人信用和财务状况的重要依据。

其次，要关注流水的规律性。个人的资金流动通常具有一定的规律性，如工资收入、定期存款等。如果流水出现异常的波动或频繁的大额交易，可能意味着个人的经济状况存在问题或涉及不法活动。

此外，还要关注流水的持续性。持续稳定的流水表明个人具有稳定的收入来源和良好的还款能力，这对于评估个人的信用状况和借贷能力具有重要意义。

最后，要分析流水的结构。通过分析流水中的收入来源、支出项目以及占比情况，可以了解个人的消费习惯、收入结构以及负债情况，为个人的财务规划和风险管理提供参考。

What to Look for in Personal Bank Statements: English Version

Personal bank statements, also known as personal account transaction details, are crucial documents that record the inflow and outflow of funds in an individual's bank account. When reviewing personal bank statements, there are several key aspects to consider:

Firstly, authenticity is crucial. This involves verifying the reliability of the source of the statements and ensuring there is no forgery or tampering. Authentic bank statements reflect an individual's genuine economic activities and financial situation, serving as an essential basis for assessing creditworthiness and financial standing.

Secondly, regularity should be noted. Typically, there is a certain regularity in an individual's fund flows, such as salary income or regular deposits. Abnormal fluctuations or frequent large transactions may indicate potential issues with an individual's economic situation or involvement in illegal activities.

Moreover, sustainability is another important factor. Consistent and stable bank statements indicate a stable income source and good repayment ability, which are crucial for assessing an individual's creditworthiness and borrowing capacity.

Lastly, the structure of the statements should be analyzed. By examining the income sources, expenditure items, and their respective proportions, one can gain insights into an individual's spending habits, income structure, and debt situation. This provides valuable references for personal financial planning and risk management.