With the financial awareness into the ordinary people's families, now residents will pay the salary to a variety of financial products, such as currency, regular investment or foreign trade economic consignment, 1% of the monthly profit, etc. Of course, there are many young people who have the habit of spending ahead of time, and their monthly salary is used to repay credit cards, Huabei and other loan channels.But you know what? It is not a good behavior to transfer the salary immediately after receiving it, and some bank personnel have given reasons for this. Let's take a look at the reasons behind it!
1. There are financial risks associated with frequent transfers.
With the improvement of trading technology, there are many ways to trade nowadays. However, no matter how many transaction channels are third-party payments, banks are the ultimate clients after all, and banks are also the highest defense line to protect the safety of residents' funds.
Frequent transfers will allow the banking system to carry out risk control on the account, because in the complex financial system, frequent and large transfers may be identified as money laundering, and in order to control the criminals from laundering money through this behavior, the bank will basically carry out risk control on this account.
In addition, long-term and frequent transfers will also affect the bank's flow, and for residents who have plans to buy a house or purchase other large items and need to take out loans, such accounts may not be able to meet the demand for loans.
2. Managing money is a good habit, but it can't deal with emergencies.
Of course, in the current society, managing money is indeed a good habit to live. However, as soon as the salary arrives, all the money will be transferred to the financial channel, which will also leave the risk of life.
After all, we can't guarantee that we will be in a state of stable development every day, for example, we can't guarantee that we won't catch a cold tomorrow, and the day after tomorrow will not have an emergency business trip, etc., so in the face of our lives, it is also a good habit to prepare an emergency reserve, so that when we encounter an emergency, we will not be at a loss.
3. The stable number in the bank card is also another kind of security.
Why don't people like to keep their money in their bank cards? The biggest factor is that bank cards do not bring significant income, so people often use other channels to achieve revenue appreciation.
But this habit will also make us skip the importance of long-term financial planning, how important is long-term financial planning in life? It can involve large expenses for medical treatment when sick, large expenses for buying a house and a car, long-term expenses for retirement, etc., and long-term savings are to help us resist unknown risks on the road ahead.
4. Be rational in managing your wealth.
In fact, in the current society, there are not many people who can manage their wealth, and most people do not have much awareness of wealth management.
But when it comes to taking care of wealth and getting an income, it is basically addictive, resulting in every time you have a little money, you will use it to invest and manage your finances. However, in the process of managing wealth, we should also treat it rationally, and in the case of a detailed understanding of personal finances, we should allocate it according to the actual situation, so that the data can also reflect the personal financial management status well.
In general, after the monthly salary is paid, it is not recommended to transfer all the money away, but to keep a part in the bank card, which can better deal with some unknown risks. So, what do you think about this issue?