Text/Smart Student, Reviewer/Li Rongjing
Chinese is still more sensitive to the topic of "money".
China is different from the United States, the United States is a consumer-oriented society, the national economy is mainly driven by consumption, so Americans have money to spend, which leads to the fact that there are not many people who like to save money on weekdays; On the contrary, we love to save money Chinese, it seems that we have the "gene" of saving money in our bones, and there are many domestic banks and high security, so many people are accustomed to saving money in the bank.
After entering the Internet era, WeChat, Alipay and other software turned out, of which WeChat was initially positioned as social software, and Alipay was originally for Taobao transactions and services, but with the passage of time, Alipay and WeChat have more and more functions, competing to launch financial products.
The data shows that compared with the post-70s and post-80s, the post-90s thinking is not so confined, the way of financial management is more diversified, and they like to deposit money in Alipay and WeChat instead of banks.
Yu'e Bao is a product of Alipay, due to its simple operation, low threshold, on-demand and other advantages, in June 2013, Yu'e Bao received widespread attention once launched, coupled with Ma Yun's "richest aura" blessing, in just a few years, Yu'e Bao has grown into a wealth management product with a number of users of "100 million". Of course, the most attractive thing about the balance treasure is its high yield, according to the official disclosure, the balance of the treasure of the "big guy" deposit number reached 220 million, the local tycoon a year of income as high as 4 million.
As Ali's biggest rival, Tencent is not willing to show weakness, after all, WeChat's user base is more than Alipay. At the end of 2018, WeChat launched the "Change Pass", directly benchmarking the balance treasure, and after the user transferred WeChat change to the change pass, he could not only earn income, but also realize consumption payment at any time.
Because it is convenient and fast, and can obtain high returns, resulting in the current young group to develop a salary to transfer money to Alipay WeChat, and then "lie down to earn interest", then, what kind of impact will this have?
The arrival of wages is "transferred" to WeChat and Alipay, and the first to be affected is the bank.
Ma Yun once said: "If the bank does not change, we will change the bank." "This is not an empty phrase, ten years ago, you will think this is a joke, but now it seems, Ma Yun does have the vision, the emergence of Alipay, so that many bank depositors choose to deposit money into Alipay, which directly led to the loss of a large number of depositors by the bank, the impact on the development of the bank, although the bank through a variety of benefits and simplify the way of depositing and withdrawing business to attract depositors, but in the end it is also a drop in the bucket.
Second, if you have a recent or future need for a mortgage, car loan, or other credit, it will also have a bad effect.
Friends who have handled car loans and housing loans should know that when the bank approves the loan, it will check your bank flow to determine whether you have the ability to repay in the future, which is a very important process.
Generally speaking, bank inspection will include three parts, one is the input content, the second is the incoming flow, and the third is the frequency of bank flow. The input content includes card deposit, existing, other account transfers, salary transfers, online banking transfers, payments, other labor fees, etc. If you have more incoming and more flows, it means that the more income you have, the more income channels may be, which means that your repayment ability is relatively strong.
Bank flow is also important, and banks certainly like stable depositors, especially those who deposit money in the bank and do not withdraw it for a long time. On the contrary, if you transfer money from bank cards to Alipay or WeChat as soon as you are paid, the bank does not like this kind of behavior, because the bank will not get any benefits from you. So, in the bank's view, if you transfer your salary quickly every month, they have reason to judge that you will have fixed expenses and then suspect that your ability to repay is limited.
Of course, if you do not have the need for housing loans, car loans or other credit in the future, then whether the money is transferred to Alipay and WeChat has no impact, because this is your personal property, and the personal property is distributed as it wants to be distributed, and the bank has no right to interfere.
Moreover, if you casually deposit money into Alipay and WeChat, you may lose a considerable part of the income.
Perhaps you will wonder, is it not that the income placed in Alipay and WeChat is higher than that of the bank, and why is it said that the loss of income is said? The reason is very simple, the balance treasure income is high, that is, before, the initial annualized income was as high as 7%, this figure is very scary, means to save ten thousand yuan, a year has 700 yuan income, an average of 2 yuan a day. But then the balance treasure interest rate continues to decline, the latest has dropped to less than 1.5%, deposit 10,000 a day income is about three cents, WeChat is also similar, so the money into Alipay, WeChat The era of lying down to earn money has ended.
Therefore, if you have more deposits, such as more than 50,000, it is best to save a regular deposit, and the regular income of one year is also higher than that of the balance treasure.
In short, the salary to the account immediately "transfer", put the money in Alipay, WeChat, will have a certain impact. Money is your own, you should choose a more reasonable way of managing money, what do you think?