分析发现，女性支付的银行费用高于男性

分析发现，女性支付的银行费用高于男性

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.

为卫生棉条和其他个人用品支付额外费用而恼火?事实证明，所谓的“粉红税”正在从另一个层面影响女性的财务状况。

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.

根据对投资应用程序Stash上2.05亿笔银行交易的最新分析，银行向女性收取的罚金增加了近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.

在对50多万名用户的调查中，Stash的分析师发现，去年男性用户在他们的平台上平均支付了182美元的费用，包括透支和滞纳金、ATM附加费和账户最低费用。然而，女性为同样的交易支付了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.

“我们认为发生这种情况的主要原因是(性别)工资差距，”Stash首席执行官兼联合创始人BrandonKrieg告诉彭博社。

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.

根据美国ADP研究所(ADP Research Institute) 2019年对1300万名员工的调查，女性的平均时薪为25美元，男性为32美元。克里格说，银行账户里的现金越少，女性越容易透支并招致经济处罚。

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.

研究人员指出，年收入不到25000美元的女性，其费用增加了23%，而收入在50000至100000美元的女性，其费用增加了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.

克里格在接受哥伦比亚广播公司《财富观察》采访时说:“男人和女人之间的这种财务差异几乎会影响到女性财务生活的每一个方面——它不会以薪酬差距开始和结束，而是影响到她的退休储蓄，甚至就像我们现在看到的，她可能会受到掠夺性银行收费的冲击。”