Pay card, pay by bank transfer, sometimes 265438+ 0 pm? At 2 1 in the evening, isn't the bank closed? Why can you still send it

This phenomenon does exist. Some banks pay their salaries after work at night. There are two main reasons: first, the bank counter handles customers at home during the day and has no time to handle the business of paying wages. In most cases, customers who pay wages only need the financial department to hand over the electronic version of the payroll to the bank counter staff, without waiting on the spot. Therefore, the counter staff did not deal with the list immediately after receiving it, but waited until there were no customers at the counter before the end of business before entering it into the system. So the salary will naturally be paid at this time. Second, some customers do it through their own online banking. However, some banks still need to process this forwarding in the background, so for the same reason as before, banks will receive it in the background and process it in batches at the same time, often before the end of business (because the data flow is smaller than during the day), which will also lead to the salary income after work in the afternoon.

At present, there are two ways for banks to pay wages: one is for enterprises to operate independently, and the other is for banks to pay wages. Enterprises operate independently. With the popularization of corporate online banking and the gradual improvement of its functions, corporate online banking in many banks can now pay wages directly without the cashier going to the bank outlets. If it is issued by the enterprise itself, the general boss or human resources department will order the cashier to work overtime to pay wages before work or at night. The main purpose is to minimize the impact of working hours on work. Because after the completion of the project, employees will inevitably ask each other and compare with each other, which may affect work morale and affect the normal production and business activities of the enterprise.

On behalf of the bank. Generally speaking, it is inevitable that enterprises will make mistakes when checking their own finances, and it will take time to operate themselves. Therefore, the finance of many enterprises still directly provides the relevant data to banks, and the banks will summarize and check the data and send them to the host, and the host will record them in batches. If the enterprise has no special requirements, the general bank's batch entry is issued after the outlet terminates its business. There are two main factors:

1. Bulk consignment business needs to occupy a lot of computer system resources. In order to ensure the stability of the system during normal business, banks generally do not do consignment business, but wait until the evening to avoid the business peak hours. Moreover, the batch delivery takes a long time, and the teller can't engage in other operations during the delivery process, which also affects the business handling of the outlets.

Another reason is that the bank wants to keep this fund on the books for one more day, so as to avoid being taken away after being recorded. Deposit is the most important data indicator of every bank, and it is even more important to stay one more day, especially at the end of the month and the last day of the year. Recording at night will reduce the probability of employees withdrawing money or transferring money directly.