Asset certificate, deposit certificate and credit certificate are the same thing?

From the bank-to-individual point of view, asset certificate, deposit certificate and credit certificate are one thing, all of which are a proof of how much money is in the bank under the name of an individual. Some banks are directly called certificates of deposit, such as China Construction Bank and China Agricultural Bank, and some banks are called credit certificates, such as Industrial and Commercial Bank of China. But in the final analysis, it's all the same thing.

1. When will the asset certificate be used? We know that traveling abroad or studying abroad now needs to prove that you have the financial resources to support your overseas travel, not to make money in the past.

When applying for a visa, most countries need you to provide such proof of financial resources, that is, proof of assets (certificate of deposit). The amount is not fixed. For example, to travel to South Korea, a deposit certificate of 50,000 yuan is enough.

However, studying in the United States generally requires 300,000-500,000 deposit certificates. It depends on the requirements when you apply for a visa. At present, some cities restrict the purchase of houses, and housing developers should also screen customers. Customers need to prove that they have enough money to pay the house price before they can choose a house by lottery. There are other projects or activities that require financial proof to participate, and such a deposit certificate is required.

2. How to issue a deposit certificate?

If you have enough money in your account, just take the original ID card and bank card to the counter and issue it directly. If the funds are insufficient or inconvenient to use, it can also be opened, and you can borrow money from others to open it. But there is a good saying: if you want to break up with your friend, borrow money from him!

3. Credit certificate refers to the written bank certificate that the bank provides the applicant with relevant information such as its financial status and credit status at the request of the applicant. Generally, it includes: deposit, loan, settlement and credit certificate. Banks accept customers' applications, collect and sort out customers' capital flow records and related information within the scope of bank records, and issue credit certificates to prove customers' credit status. The credit certificate business handled by our bank is divided into comprehensive credit certificate and single/multiple certificates.