福利与薪酬 • 7 分钟阅读
雇主的已赚工资提前支取指南
JUN 11, 2026
Earned wage access lets employees draw on pay they have already earned before payday. Here is what HR needs to know before offering it.
什么是已赚工资提前支取
已赚工资提前支取（EWA），也称按需支付，允许员工在正常发薪日前提取其已赚净工资的一部分，通常员工或雇主需支付一小笔交易费。它不同于发薪日贷款，因为员工取用的是已经赚到的钱，而不是以未来收入为担保借款。EWA 产品要么通过薪资提供商提供，要么通过与雇主薪资系统集成的第三方平台提供。
Why employees value it
A significant proportion of the UK workforce lives paycheck to paycheck, with limited ability to absorb unexpected expenses between pay dates. The most common uses of EWA withdrawals are car repairs, utility bills, medical expenses, and avoiding overdraft charges. Research from CIPD and others has found that financial stress is one of the most significant contributors to poor concentration, absenteeism, and presenteeism at work. EWA is one of the lowest-cost financial wellbeing benefits an employer can offer.
Implementation considerations for HR
在提供 EWA 之前，先明确监管立场。金融行为监管局一直在审查 EWA 产品；确保你选择的任何供应商都符合不断变化的指导要求。确认该产品如何与你的薪资周期集成：大多数供应商会将预支金额与正常薪资运行进行对冲结算，这一点应对你的薪资团队保持透明。设置已赚工资可提前提取比例的上限，通常为 50%，以避免员工在发薪日前提取全部净薪资。
