The number of financial managers has been greatly reduced. Every bank will launch many wealth management projects every year, and they will let many people put idle money into wealth management. Banks can also use these liquidity to do some investment projects and earn their own money. Affected by the epidemic this year, both the deposit interest rate and the financial yield will be much lower than in previous years, and many people will not choose to buy financial management. This will greatly reduce the bank's rate of return. People who work in banks, although they are all formal jobs, have a basic salary every month, but they still have to earn commission every month. Every salesman is burdened with a certain amount of tasks. If completed, he can get a high salary every month, but under the influence of this year, these people will get less and less commission.
More people choose to put money on the payment platform. In recent years, there are more and more payment platforms. Many people will directly bind their bank cards to the payment platforms because it is convenient to spend money. In order to let more people put money in the platform, these payment platforms will give customers a certain interest rate, and customers can see their own income on the platform every day, which makes them feel at ease. When the bank's interest rate is greatly reduced, these people will choose to put their money directly on the payment platform, and they can see the income every day, which is very reassuring and the interest rate is relatively higher than the platform.
Changes in payment methods. Because of this epidemic, many supermarkets and convenience stores no longer accept cash, thinking that cash is unsafe and may have viruses. Let more people scan the code to pay, and they will gradually get used to this lifestyle and find it very convenient. In later life, they will also be more inclined to pay by scanning code, and few people will put their money in the bank. ?