Text/Smart Young Student Review/Li Ronghuan
Chinese are still relatively sensitive to the topic of "money".
China is different from the United States. The United States is a consumer society, and the national economy is mainly driven by consumption. Therefore, Americans spend money when they have money, which leads to not many people who like to save money on weekdays; On the contrary, we Chinese love to save money, and it seems that we have the "gene" of saving money in our bones, and there are many domestic banks and are also highly secure, so many people are used to depositing money in the bank. After
entered the Internet era, software such as WeChat, Alipay emerged. Among them, WeChat was originally positioned as social software, and Alipay initially served Taobao transactions. However, as time goes by, Alipay and WeChat have more and more functions, and are rushing to launch financial products.
data shows that compared with those born in the 1970s and 1980s, the thoughts of the post-90s are not so confined, and the methods of managing finances are more diverse. They like to deposit money in Alipay and WeChat rather than in banks.
Yu'ebao is a product under Alipay. Due to its advantages of simple operation, low threshold, and access and use, in June 2013, Yu'ebao received widespread attention as soon as it was launched. In addition, with the support of Jack Ma 's " Richest Halo ", in just a few years, Yu'ebao has grown into a financial product with "billion-level" number of users. Of course, the most attractive thing about Yu'ebao is its high returns. According to the official disclosure, Yu'ebao's "one big boss" has deposited 220 million yuan, and the rich man's annual income is as high as 4 million yuan.
As the biggest rival of Alibaba , Tencent is not to be outdone, after all, WeChat has more user base than Alipay. At the end of 2018, WeChat launched " change pass " to directly benchmark Yu'ebao. After users transfer WeChat change to change pass, they can not only earn profits, but also realize consumption payments at any time.
is convenient and fast, and can obtain high returns, which has led to the young people now developing the habit of transferring money to Alipay WeChat after paying their wages, and then "earn to earn interest". So, what impact will this have?
Salary is "transferred" to WeChat and Alipay, and the first thing that is affected is the bank.
Jack Ma once said: "If the bank does not change, we will change the bank." This is not empty talk. Ten years ago, you would think this is a joke, but now, Jack Ma does have vision. The emergence of Alipay has made many bank depositors choose to deposit money in Alipay, which directly led to the loss of a large number of depositors by banks and impacted the development of banks. Although banks attract depositors through various benefits and simplified deposit and withdrawal business, it is ultimately a drop in the bucket.
Secondly, if you have the need to apply for a mortgage, car loan or other credit recently or in the future, then doing so will have a bad impact.
Friends who have applied for car loans and mortgage loans should know that when banks approve loans, they will check your bank statements to facilitate judgment on whether you have the ability to repay in the future. This is a very important process.
Generally speaking, bank statement checks will include three parts , one is the input content, the second is the input content, and the third is the frequency of bank statement in and out. input content includes card deposit, existing, transfer of other accounts, salary transfer, online banking transfer, payment, other labor fees, etc. If you have more income, the more you have, the more income you may have, the more income channels you may have, which means that you have stronger repayment ability.
And bank statements are equally important. The bank must like stable depositors, especially those customers who have not withdrawn their money for a long time after depositing it in the bank. On the contrary, if you transfer money from your bank card to Alipay or WeChat as soon as you get your salary, the bank does not like this behavior because the bank will not get any benefits from you. Therefore, in the bank's view, if you transfer your salary quickly every month, they have reason to judge that you will have fixed expenses and then suspect that your repayment ability is limited.
Of course, if you don’t need to apply for mortgages, car loans or other credit in the future, then whether the money is transferred to Alipay or WeChat will not affect, because this is your personal property, and you can distribute it as much as you want, and the bank has no right to interfere.
And so, if you deposit money casually into Alipay and WeChat, you may lose a considerable amount of your income.
Maybe you will be confused. Isn’t it said that the income in Alipay and WeChat is higher than that in banks? Why do you say that the loss income? The reason is very simple. Yu'ebao's high returns were the same as before. The initial annualized returns were as high as 7%. This number is very terrifying. It means saving 10,000 yuan, and you will get 700 yuan a year, with an average of 2 yuan a day. , but later Yu'ebao's interest rate continued to decline, and the latest has dropped to below 1.5%. The income of depositing 10,000 yuan per day is only about 30 cents, and WeChat is similar. Therefore, the era of lying profits in Alipay and WeChat has ended.
Therefore, if you have more deposits, such as more than 50,000 yuan, it is best to deposit a fixed period, and the fixed period income of one year is higher than that of Yu'ebao.
In short, the salary will be immediately "transferred" and putting the money on Alipay and WeChat will have a certain impact. Money is your own, so you should choose a more reasonable way of managing your finances. What do you think?
