Kunpeng Project
Why is it not advisable to pay wages and immediately "transfer away"? Bank staff reveal why
Today's office workers often use mobile payment software such as Yue Bao or WeChat after getting their salaries. There are two reasons for this, one is that they have transferred their salaries to mobile payment platforms such as Alipay and WeChat, so that they can transfer money directly, which is very convenient. If you transfer your salary to mobile payment platforms such as Alipay and WeChat, you can invest in financial products such as Yue Bao and Coin Pass to obtain higher returns.
However, there was also a staff member who said that they did not "transfer everyone's salary" away. In this regard, many people generally think that if all salaries are "transferred", there will be a shortage of funds in the near future. And we believe that there are four reasons why the employee does not recommend that everyone "move away" as soon as they get their salary:
First, it is difficult to guarantee the safety of money.
Everyone knows that if employees keep their own funds in a bank account, then it will be very safe. On the other hand, employees transfer their cash to Alipay, WeChat and other mobile payment channels, which may not necessarily ensure the safety of their funds. Today, for example, there is a hacker who can easily decipher your mobile payment system and then steal money. At the same time, many people will also encounter some unscrupulous businessmen when they use *** to make payments, they secretly obtain the private information of customers through various methods, and then take away all their money on the mobile payment platform without the customer's knowledge.
Second, his private information cannot be protected.
Although many people find it very convenient to transfer funds to mobile payment as soon as they get their salary, it also exposes all the information of personal privacy to the mobile payment system. For example, how many meals you order each month, how many supermarkets you visit, how many stores you visit, how many sets of clothes you buy, etc., all of these will be obtained through the mobile payment system. It is true that some people believe that privacy security leaks are not very harmful, but others take personal security very seriously. Obviously, you can save your paycheck first and spend it slowly so that you don't have to worry about your personal problems.
Third, we need to do a better job of saving money and savings.
Many employees prefer to transfer their funds to a mobile payment platform as soon as they receive their paycheck, even though it makes it easier and faster to settle payments. However, there is also a disadvantage, that is, it does not pay much money. On top of that, many people transfer their salaries to mobile payment platforms such as Alipay and WeChat, and then use them up before they know it.
If you put your salary in the card, you can use it as you can, you can better restrain your expenses, and if you spend too much in the first two days, then you can save the next few days, at least within your means. Similarly, if you put your paycheck in your credit card, you can save one sum every month, and over time, you can save that money together to form a good habit of saving and saving.
Fourth, strengthen credit to customers.
Many employees prefer to transfer money through mobile payment platforms as soon as they get their salary, often without pulling a dime. If you don't go to the bank for a loan to buy a house and a car in the future, it's okay, but if you want to go to the bank for a loan to buy a house and a car in the future, it's not easy to do. On top of that, if an employee gets paid, the bank will think that your cash flow is in a big problem and will have a negative impact on your credit.
It is clear that after the salary adjustment, the trust of banks and employees will decline. In the past, many CEOs of companies would put deposits in the bank for a period of time to build trust with the bank. When the company is in trouble and wants to borrow money from the bank, the bank will approve it. Therefore, it is still necessary to strengthen credit cooperation with customers.