This post is from LendUp, a Priceonomics Data Studio customer. Does your company have interesting data? Become a Priceonomics customer.
这篇文章来自Priceonomics Data Studio客户Lendup。贵公司有有趣的数据吗？成为价格工艺客户。
***
***
Payday loans are used by people who need money fast, who often have no other way of borrowing money to cover an unexpected expense. The benefit of these kinds of loans is they enable you to meet your immediate financial obligations. The risk, however, is you are taking on debt and incurring future obligations that require future income to fulfill.
快速需要钱的人使用发薪日贷款，他们通常没有其他借钱来支付意外支出的方式。这类贷款的好处是使您能够履行您的直接财务义务。但是，您的风险是，您正在承担债务并承担需要未来收入才能履行的未来义务。
In this article, we’ll analyze the employment status of people who take on payday loans. Do they have jobs that will enable them to pay back the loans in a timely fashion or are they cornering themselves into an amount of debt without the income to ever repay the loans?
在本文中，我们将分析获得发薪日贷款的人的就业状况。他们是否有工作能够使他们能够及时偿还贷款，或者他们将自己转向一定数量的债务，而没有收入来偿还贷款？
At LendUp, we provide loans to people to cover unexpected expenses or when they need the money fast. Because of our years of underwriting loans and working with our customers, we know a lot about the financial background of our loan recipients.
在Lendup，我们向人们提供贷款，以支付意外支出或快速需要钱。由于我们多年的承保贷款和与客户合作，我们对贷款收件人的财务背景了解很多。
In this analysis, we’ll review the data on the employment characteristics of Americans who turn to payday loans. How many people who turn to payday loans have jobs? Are they employed full-time and where do they work?
在此分析中，我们将回顾有关转向发薪日贷款的美国人的就业特征的数据。有多少人转向发薪日贷款有工作？他们是全职工作吗？他们在哪里工作？
We found that the overwhelming majority of payday loan recipients (81.2%) have full time jobs. When you add the number of recipients that work part-time or are already retired, that accounts for well over 90% of recipients. Most commonly, payday loan recipients work in sales, office, and healthcare support. The most common employer of LendUp users who seek a payday loan is Walmart, followed by Kaiser, Target and Home Depot.
我们发现，绝大多数发薪日贷款接收者（81.2％）都有全职工作。当您添加兼职工作或已经退休的接收者数量时，占收件人的90％以上。最常见的是，发薪日贷款接收者在销售，办公室和医疗保健支持方面工作。寻求发薪日贷款的贷方用户最常见的雇主是沃尔玛，其次是Kaiser，Target和Home Depot。
As part of our loan application process, we ask borrowers to state their employment status and current employer. For this analysis, we reviewed loans from 2017 to 2020 to see the most common employment status, industries and employers. The data is from states where LendUp currently operates (WI, MO, TX, LA, MS, TN, CA) plus additional states in which we previously made loans (IL, KS, LA, MN, OK, OR, WA, WY). When considering the most common employers of payday loan recipients, this data set will reflect the largest employers in our largest markets, like California.
作为我们贷款申请流程的一部分，我们要求借款人陈述其就业状况和现任雇主。对于此分析，我们审查了2017年至2020年的贷款，以查看最常见的就业状况，行业和雇主。数据来自Lendup当前运营的州（WI，MO，TX，LA，MS，TN，CA），以及我们以前提供贷款的其他州（IL，KS，LA，LA，MN，MN，OK，OR，WA，WA，WY）。在考虑发薪日贷款接收者最常见的雇主时，此数据集将反映我们最大的市场中最大的雇主，例如加利福尼亚州。
To begin, let’s look at the employment status of people who get payday loans via LendUp. What percentage of loan recipients have full time employment versus some alternative?
首先，让我们看一下通过Lendup获得发薪日贷款的人的就业状况。与其他替代方案相比，多少百分比具有全职工作？
81.2% of all payday loan recipients on LendUp have full-time employment, meaning that they should have income coming to pay back their debts. More commonly, people use payday loans to cover the timing mismatch of having an expense coming in before the paycheck arrives to cover it. If you add those that are part-time employed, retired, or self-employed to those with full-time employment, you account for 96.1% of payday loan recipients. Just 1.2% of payday loan recipients are classified as unemployed.
Lendup的所有发薪日贷款接收者中有81.2％有全职工作，这意味着他们应该有收入来偿还债务。更常见的是，人们使用发薪日贷款来支付薪水支出之前的费用不匹配的时间不匹配。如果您将那些兼职，退休或自雇的兼职人员添加到有全职工作的人，则占发薪日贷款接收者的96.1％。仅1.2％的发薪日贷款收件人被归类为失业者。
As part of our application process, LendUp payday loan recipients report information on their industry of employment. The following chart breaks down loan recipients by industry:
作为我们申请流程的一部分，Lendup发薪日贷款收件人报告有关其就业行业的信息。以下图表分解了行业的贷款接收者：
The most common industry for needing a payday loan is sales related. This could include retail workers or sales people working on a commission with an erratic pay schedule. The second most common industry is people working in office and administrative. Of note, the third most common category is healthcare related.
需要发薪日贷款的最常见行业与销售有关。这可能包括零售工人或销售人员从事薪水不稳定的佣金。第二个最常见的行业是在办公室和行政上工作的人。值得注意的是，第三大常见类别与医疗保健相关。
Lastly, let’s look at the companies with the most payday loan recipients. As mentioned prior, keep in mind that this data reflects the employment base in areas where LendUp operates and that also larger employers will naturally show up more often on the below list:
最后，让我们看看拥有最发薪日贷款收件人的公司。如前所述，请记住，此数据反映了Lendup运营的领域的就业基础，并且更大的雇主自然会在下面的列表中更频繁地显示出：
Walmart, the largest employer in the United States, is the number employer of payday loan recipients through LendUp. Twice as many payday loan recipients work at Walmart compared to the second most common company, Kaiser. The list is dominated by retail companies, but also healthcare, education, and government.
沃尔玛（Walmart）是美国最大的雇主，是通过Lendup的发薪日贷款接收者的人数。与第二大最常见的公司Kaiser相比，在沃尔玛的发薪日贷款收件人工作的两倍。该清单由零售公司，医疗保健，教育和政府主导。
In this analysis, we’ve shown that the vast majority of payday loan recipients are employed full time. Despite earning a regular income, expenses come up that people do not have the bank account balances to cover. Many of these people work in school, hospitals, and the stores that have provided essential services throughout the pandemic. People get payday loans to cover urgent expenses, and for many Americans, these loans are the only source of funding available during times of emergency or when financial needs exceed available funds.
在此分析中，我们表明，绝大多数发薪日贷款接收者全职雇用。尽管赚取了正常收入，但人们提出了人们没有银行帐户余额的费用。这些人中有许多人在学校，医院以及在整个大流行中提供基本服务的商店工作。人们获得发薪日贷款以支付紧急费用，对于许多美国人来说，这些贷款是紧急情况或财务需求超过可用资金的唯一资金来源。
***
***
Note: If you’re a company that wants to work with Priceonomics to turn your data into great stories, learn more about the Priceonomics Data Studio.
注意：如果您想使用Priceonomics来将您的数据转换为出色的故事，请了解有关Priceonomics Data Studio的更多信息。
