How much will it affect you if you transfer your bank card as soon as your salary is paid? Bank employees are "through the bottom", and smart people have stopped this kind of behavior.
The general public believes that the transfer of funds immediately after the salary is paid will not have much impact on their financial situation, and the bank has no right to interfere with how they want to use their money. There are also people who think that transferring funds immediately after paying wages will have a greater impact on themselves, but what is going on? What will be the impact on yourself? An internal employee of the bank also gave a detailed answer to this question.
There are still few bosses in the society, and there are many wage earners, and the happiest day for wage earners is the day when they are paid, and they have finally paid off after a month of hard work. After paying your salary, you have money in your hands, you have enough confidence, you are happier than anything else, you can go to a restaurant to have a good meal or buy clothes that you have not been willing to buy for a long time, of course, there are also the first time to repay the credit card, after all, it has been consumed in advance, and the debt must be repaid after all.
People who have financial management concepts, they think that the interest rate of money in the bank card is too low, it is better to transfer it to Yu'e Bao or WeChat wallet to generate high interest, or take the money to buy stocks, do investments, etc., after all, the money is transferred out of the bank card, but the bank staff gave a different point of view, they do not recommend that everyone directly transfer the money out as soon as the salary arrives, there are 4 reasons, you can learn about the specifics.
The first reason is that banks are also doing business when they are open every day
For banks, opening the door every day is the same as doing business, depositors deposit money in the bank, and the bank gives the depositor's money to the needy to lend money, which is used to earn interest and handling fees, so that the money can be transferred and the income can be improved. If depositors don't deposit their money in the bank, what will they lend to customers? How can bank clerks survive without earnings? In addition, bank employees also have savings assessment standards, and if bank employees do not meet the standards, it will also have an adverse impact on bank employees. However, I have not heard of bank employees not being able to pay their salaries.
The second reason is that banks have less trust in depositors
If you transfer your salary out of your bank card immediately after you have paid your salary, the bank may misjudge that there is something wrong with your financial situation and reduce trust in the depositor. #银行柜员怠慢客户惹风波#
If you have an emergency at home and need to apply for a loan, the bank will analyze whether you have the ability to repay by checking your income and bank flow, and if the bank has doubts about you, it will reject you and not give you a loan, which is a disadvantage, after all, the bank also needs to ensure the safety of funds. Some people may dismiss it and think it's not a big deal. It is also very important to know the position of the bank in today's life, and many people want to be able to establish a good relationship with the bank.
The third reason is that mobile payment platforms and investment risks are high.
In the Internet era, many people will think that I will save money in a bank card, the interest rate is too low, it is better to save the money to some financial management or third-party payment platforms such as Yue Bao and Coin Pass, so that the money can generate more interest. Although you can get higher returns by putting money in a mobile payment platform, there are also benefits and risks. It is understood that the original interest rate is indeed a little higher, but now Yu'e Bao and Coin Pass, its interest rate is also very low.
For investment and financial management, stock speculation and other methods, this requires professional financial knowledge, ordinary people want to obtain higher returns in this regard, it is unlikely, and now there have been a lot of negative impacts, people who have lost all their family resources abound, so we still have to choose carefully. Online fraud is also frequent, and if we put money on mobile payment platforms, it will also give scammers a chance to take advantage of it.
The fourth reason is that the economic situation is not good, and you need to save money
Now the economic situation is not good, there are no good projects for investment, and the wages of workers cannot be received, ordinary people need to survive, and it is best to keep the money in the bank, although the interest rate in the bank is low, but the relative risk is also low. Don't take it out casually, spend the money that should be spent, and never spend the money that shouldn't be spent, so as to deal with emergencies in life. #你有存款焦虑吗#