【管理辞典】工资搭桥 / salary link

「释义」

工资搭桥是一种创新的金融科技商业模式。服务提供商可以直接从雇主处获取借款人的工资，确保预付款或贷款的偿还。工资搭桥缩短了工资支票兑付时间，可以有效帮助低收入员工摆脱债务。

「应用场景」

哈佛大学肯尼迪政府学院的一项研究，探讨了创新性金融科技产品是如何打破这一恶性循环，让员工和雇主都受益的。研究人员分析了PayActiv和Salary Finance，这两家初创企业会与雇主合作，提供新的金融服务作为员工福利的一部分。PayActiv会预支员工已获得但尚未收到的工资。该公司有时与ADP等薪资管理公司合作，为联邦快递、必胜客和Wendy’s等公司的员工提供服务。Salary Finance则更进一步，为员工提供低成本贷款，可以抵扣工资，自动偿还。总部设在英国的Salary Finance已将业务扩展到美国，客户包括United Way和特斯拉。

A study conducted at the Harvard Kennedy School explores how innovative fintech products can disrupt this damaging cycle and benefit employees and employers alike. The researchers studied two start-ups that partner with employers to make new financial offerings available as part of employees’ benefits packages. PayActiv advances wages that workers have accrued but haven’t yet received. Sometimes operating in conjunction with payroll companies such as ADP, it serves employees of FedEx, Pizza Hut, and Wendy’s, among others. Salary Finance goes a step further, offering employees low-cost loans that are automatically repaid through paycheck deductions. Based in the UK, it has expanded to the United States, where clients include the United Way and Tesla.

推动这两种商业模式的创新是“工资搭桥”——服务提供商可以直接获取借款人的工资，确保预付款或贷款的偿还。PayActiv将算法应用于雇主提供的工作时间和考勤数据，根据工作排班和小费等因素进行调整，准确定位员工在两张工资支票之间任一时间点已经获得的收入。“PayActiv基本不必承担风险，因为它只是预先支付了员工已经获得的工资。”参与该研究的哥伦比亚大学商学院和法学院高级研究员托德·贝克说。PayActiv对使用这项服务的每个支付期收取5美元的费用（这一费用通常是部分或全部由雇主承担）。

The innovation fueling both business models is the “salary link”—the provider’s ability to directly access wages to ensure repayment of advances or loans. PayActiv applies algorithms to time and attendance data supplied by the employer, adjusting for schedules, tips, and so on, to accurately determine how much an employee has earned at any given point between paychecks. “PayActiv essentially takes on zero risk, as it’s only advancing earned wages,” says Todd Baker, one of the study’s coauthors and now a senior fellow at Columbia’s business and law schools. The firm charges $5 for each pay period in which the service is used (employers often pick up part or all of the fee).

以上文字选自《哈佛商业评论》中文版2020年11月刊《帮低收入员工摆脱债务》

托德·贝克（Todd Baker）和斯尼格达·库马尔（Snigdha Kumar） 丨文

马冰仑 丨编辑