什么是银行账户流水？

中文版

在现代金融体系中，银行账户流水是指银行账户内的资金变动记录。这些记录详细展示了账户持有人在一定时间内的所有交易活动，包括存款、取款、转账、支付账单等。每一笔交易都会生成一条流水记录，包含了交易的时间、类型、金额以及交易对方的信息。

银行账户流水是银行与客户之间交易活动的直接证据，对于个人和企业来说都非常重要。对于个人而言，流水记录可以作为日常消费的凭证，用于核对个人支出和规划财务。对于企业而言，银行账户流水则是经营活动中不可或缺的一部分，它反映了企业的资金流动情况，有助于企业进行财务管理和决策。

此外，银行账户流水也是银行监管和审计的重要依据。通过分析流水记录，银行和监管机构可以了解账户持有人的资金流动情况，监测异常交易，防范金融风险。同时，在涉及法律诉讼或税务审计时，银行账户流水也是重要的证据材料。

英文版

What is Bank Account Transaction History?

In the modern financial system, bank account transaction history refers to the records of fund movements within a bank account. These records provide a detailed chronology of all transactional activities conducted by the account holder over a specific period, including deposits, withdrawals, transfers, bill payments, and more. Each transaction generates a record, including the transaction's timestamp, type, amount, and information about the counterparty.

Bank account transaction history serves as direct evidence of transactional activities between banks and their customers, making it crucial for both individuals and businesses. For individuals, transaction records act as proof of daily expenses, aiding in personal expenditure reconciliation and financial planning. For businesses, bank account transaction history is an integral part of their operational activities, reflecting the flow of funds and assisting in financial management and decision-making.

Moreover, bank account transaction history plays a pivotal role in bank supervision and audits. By analyzing these records, banks and regulatory authorities can gain insights into the account holder's financial movements, detect abnormal transactions, and mitigate financial risks. Additionally, during legal proceedings or tax audits, bank account transaction history serves as crucial evidentiary material.