Today’s young people are all moonlight, not to pay the day, the money has been spent, but only every day porridge pickled vegetables. After hair salary is not good, can begin crazy buy buy, and also can satisfy oneself all sorts of demand, and the company can ask unified bank commonly, some company scale is larger, still can ask unified go undertaking to deal with even.
Will it make a difference in the long run if wages are “transferred” once they start? Employees have said banks will be affected, though the impact on depositors will be greater.
Learn to manage money, can let “money”. In the past, people liked to put their money in the bank, because the bank was the safest place, and they could choose the right way of deposit and get a good interest. For the younger generation, there are many ways to save money. The emergence of mobile payment platforms such as Alipay and WeChat has given them more opportunities.
When people choose to go to the bank for a loan, the bank will look at your account flow, if the bank account flow is very “beautiful”, then the bank loan to the individual will be very “” pleasant”. As soon as the salary is received, we transfer to another bank card immediately, which may affect our future loan, because the bank will judge whether we are able to pay the loan in time according to our monthly balance.
The spread between deposit and loan is one of the profit sources of banks. If more and more people transfer to other platforms as soon as their salaries are paid, this may be a big challenge for many banks. As more and more people “transfer” their salaries to other platforms once they get started, the amount of bank deposits may decrease. In order to have better development, banks will generally increase their loan requirements accordingly.