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yabo亚搏_工资一发就“转出”,对个人会有何影响?银行员工:影响会很大!

原标题:工资一发就“转出”,对个人会有何影响?银行员工:影响会很大!

现在除了退休职工的养老金要在银行提取之外,很多在岗职工的工资也都是打在银行卡上。不过,多数年轻人一看到工资发到银行卡上就转到支付宝上面,这样yabo亚搏更方便在消费时转账支付,而且把工资转到支付宝上还可以用余额宝等货币基金进行理财,收益率远高于银行活期存款。

不过,银行对于那些工资一发就“转出”的人并不是很喜欢,如果是少数职工一发工资就“转出”也就算了,而大家都把工资从账面上转出,这会对银行的运营产生影响。一方面,如果职工把发的工资都留在账面上,都是算活期存款,利息只有0.35%,这样银行就会有很好的利差收入。

另一方面,如果职工都是一到亚愽全站账就把工资转出,那么银行的流动资金就会受到影响,遇到季末、年底、春节前后等时段,银行遇到大量资金转出还是有压力的。

而我们认yabo亚搏为,工资一发就“转出”,不仅对于银行不利,而且对个人也不利,主要表现在以下三个方面:第一,如果把到账的工亚愽全站资马上都转到支付宝,虽然方便了转账支付,但是在花钱上面就没有办法控制,往往只有半个月就花光了所有的工资。剩下就只能是通过花呗借款来消费了。这样一来,债务雪球是越滚越大,最后往往会陷入无力偿债的境地。所以,工资一发就“转出”,对于年轻人来说,往往无法控制自己的消费支出。

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  • 02 months ago REPLY NOW

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  • 02 months ago REPLY NOW

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