分析發(fā)現(xiàn)，女性支付的銀行費(fèi)用高于男性

分析發(fā)現(xiàn)，女性支付的銀行費(fèi)用高于男性

Peeved at paying premiums for tampons and other personal products? Turns out the so-called “pink tax” is impacting women’s finances on a whole other level.

為衛(wèi)生棉條和其他個(gè)人用品支付額外費(fèi)用而惱火?事實(shí)證明，所謂的“粉紅稅”正在從另一個(gè)層面影響女性的財(cái)務(wù)狀況。

Banks are charging women nearly 20 percent more in penalty fees, according to a new analysis of 205 million bank transactions on the investment app Stash.

根據(jù)對(duì)投資應(yīng)用程序Stash上2.05億筆銀行交易的最新分析，銀行向女性收取的罰金增加了近20%。

In their survey of over 500,000 users, Stash analysts found that male users on their platform paid an average of $182 last year in fees, including overdraft and late payment charges, ATM surcharges and account minimum fees. Women, however, paid about $214 — 18 percent more — for the same sorts of transactions.

在對(duì)50多萬名用戶的調(diào)查中，Stash的分析師發(fā)現(xiàn)，去年男性用戶在他們的平臺(tái)上平均支付了182美元的費(fèi)用，包括透支和滯納金、ATM附加費(fèi)和賬戶最低費(fèi)用。然而，女性為同樣的交易支付了214美元，比男性多18%。

“The main reason we think this is happening is the [gender] pay gap,” Stash CEO and co-founder Brandon Krieg tells Bloomberg.

“我們認(rèn)為發(fā)生這種情況的主要原因是(性別)工資差距，”Stash首席執(zhí)行官兼聯(lián)合創(chuàng)始人BrandonKrieg告訴彭博社。

Women earn an average of $25 per hour to a man’s $32, according to a 2019 survey of 13 million employees via ADP Research Institute payroll data. With less cash in their bank accounts, Krieg says, women are more apt to overdraw and incur financial penalties.

根據(jù)美國ADP研究所(ADP Research Institute) 2019年對(duì)1300萬名員工的調(diào)查，女性的平均時(shí)薪為25美元，男性為32美元?？死锔裾f，銀行賬戶里的現(xiàn)金越少，女性越容易透支并招致經(jīng)濟(jì)處罰。

Women who make less than $25,000 a year cough up about 23 percent more in fees, while those bringing in $50,000 to $100,000 shell out 16 percent more, researchers note.

研究人員指出，年收入不到25000美元的女性，其費(fèi)用增加了23%，而收入在50000至100000美元的女性，其費(fèi)用增加了16%。

“Financial disparities like these amongst men and women impact nearly every part of a woman’s financial life — it doesn’t start and end with the pay gap, but her retirement savings and even, as we’re seeing now, her likelihood to get hit with predatory banking fees,” Krieg tells CBS MoneyWatch.

克里格在接受哥倫比亞廣播公司《財(cái)富觀察》采訪時(shí)說:“男人和女人之間的這種財(cái)務(wù)差異幾乎會(huì)影響到女性財(cái)務(wù)生活的每一個(gè)方面——它不會(huì)以薪酬差距開始和結(jié)束，而是影響到她的退休儲(chǔ)蓄，甚至就像我們現(xiàn)在看到的，她可能會(huì)受到掠奪性銀行收費(fèi)的沖擊。”