Do you still remember the day you got paid last month? Did you immediately transfer the money from your bank card as soon as you got off work? If so, you might have "caused trouble"! Recently, a bank employee revealed that banks actually don't want you to do this, and there are some "secrets" hidden behind it that you and I may not know about! Let's take a look and see what's going on!
We all know that mobile payment has become the mainstream payment method for most people, especially the young. They are already proficient in mobile phone payments, QR code payments, etc., and they immediately transfer the money as soon as they have money to account, which is simply "seeing money and opening their eyes". But do you know that this behavior has actually angered the banks?
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Recently, a bank insider frankly said that it is not recommended for everyone to transfer all the money as soon as they get paid. Why does the bank hold such a view? The reason is not hard to understand.
Firstly, banks can earn a considerable income by issuing wages on behalf of companies, because companies need to pay a certain fee when issuing wages through banks. If the employees' wages are all transferred away, the bank will naturally earn less. More importantly, if a large number of customers transfer money at the same time, the bank may face a serious problem of capital liquidity.
You might say, the money is mine after all, and I can use it as I want, what does it have to do with the bank? Yes, the money is indeed earned by your hard work, and you have the right to freely control it. However, the bank also gives this advice out of good intentions for you and me.In fact, arbitrarily transferring wages not only may affect your future credit rating when applying for loans at banks, but also poses the risk of impulsive spending for young people who love to consume. If you keep the money in the bank, it will instead encourage you to develop the good habit of saving.
Moreover, many unreliable third-party payment platforms nowadays make false propaganda, promising high interest rates, attracting a large number of young people to transfer their wages into the platform. Once an emergency arises and they urgently need money, they may encounter the dilemma of "difficulty in withdrawing deposits." Last year, there was such an incident where a young person, due to the difficulty in withdrawing deposits, resulted in the mother's surgery fees not being in place in time, and finally had to seek help from the banking regulatory authority.
Therefore, the reason why banks make such suggestions is not only for their own interests, but more importantly, they want us to manage our finances reasonably and safely, to avoid impulsive consumption, and to prevent financial losses.
In my personal opinion, it is entirely possible to keep the main part of the salary in the bank and transfer a small part of the "change" to platforms like Alipay to meet daily payment needs. This not only achieves a reasonable allocation of money in and out but also prevents the complete outflow of funds, affecting credit.
Everyone can choose to deposit in state-owned banks or large joint-stock banks with higher safety, which have a certain protection for the funds of the people.
Wealth management is an important subject that must be studied in the future. In the face of the current economic situation and various temptations, we must be more vigilant, consume rationally, and put the hard-earned money in a safe and reliable place. Perhaps the bank's point of view is somewhat unpleasant, but it is also full of good intentions and wisdom. What do you think? Welcome to leave a message to communicate!