In fact, many people are rich at home, and they may have money to spend without a job. For example, Rong 360, my classmate Liu, whose parents are both corporate executives, is an old man who lives on his laurels. He obviously graduated from college but doesn't want to find a job. Every month, his family will spend 20 thousand in his card, and he can spend more than 1 10 thousand every month. It is said that this spending power is ok, but the bank refused him because he didn't have a fixed job.

"I can prove that I have the ability to spend money and have a source of income. Why do I have to work formally? " Xiao Liu and Brother Ka complain, why? Because your income source is unstable, dear, it may be cut off at any time. Once your parents stop giving you money, won't you confiscate it? Of course, this does not mean that a person who has a job will not be unemployed, but at least it shows that he has the ability to make money by working, and it is easier to find a job even if he is unemployed.

At the same time, big data from banks show that people with stable jobs have a higher proportion of repayment on time, that is, the overdue rate is relatively low, which is why banks are so persistent in their work.

Even if there are not enough positions, banks have a preference for positions. The more stable, the better. Simply put, these enterprises will fail if they don't fail. For example, civil servants, institutions and large state-owned enterprises are all favored by banks. As for those occupations with high mobility, such as beauty salons, restaurant waiters and excavators, banks are more "biased" and the card handling rate is much lower than other occupations.