放款交易常伴随着联机费用的收取,“收支两条线”的思路是先入客户账再扣取,这有利于服务的解耦,同时也实现了交易留痕,分录如下:
Loan transactions are often accompanied by online fees. The "two-line accounting" approach involves first crediting the customer's account and then deducting the fee. This facilitates service decoupling while also ensuring transaction traceability. The journal entries are as follows:
如果不走收支两条线,则从放款金额中直接扣下费用收入,分录如下:
If the two-line accounting method is not used, the fee income is directly deducted from the loan amount. The journal entries are as follows:
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