2019.07.02号移民局网站在线申请了澳洲旅游签（一年多次普通旅游签），没有电调，2019.07.19直接收到了拒签信，理由是资金不足（字数原因，下面贴）。
除了必须的资料，我提交了以下资料：
1、银行卡流水。显示工资1W+/月（和在职证明陈述的工资是相符的，发银行单位和在职单位也是相符的），但是我是3月中入职的，发工资银行卡之前没有所以是新开的，4月开始用来接收工资（公司每个月15号发），所以截至申请时间只有3次发工资经历，4、5、6月。但这个工资卡平时我都不用只用来接收工资，所以银行流水一页就打印完了；
2、常用银行卡流水。打印了6个月的银行流水，这个卡是用来还房子的银行贷款的，每个月有固定的银行还贷支出；家里在装修，所以近半年流水金额都比较大，很多几千上万的支出。并且因为在装修，所以银行余额不多，一开始只有两万多，所以申请
签证前几天，我转了两万进去，最后显示的银行余额是四万多；
3、在我个人名下的购房合同。（还没有出房产证）；
4、
行程单。大概写了我将会在十一假期7天+请假几天澳洲东部旅行，没有上传机票以及订房记录（因为不是必须项，也因为没有下
签证没有购买所以没有上传）；没有写同行者。
ps，一些背景说明：
1、90后，女性，单身未婚；
2、我于2018.01开始持有working holiday visa在澳洲工作生活一年，于2019.01才回来，在澳期间没有任何违规行为或者滞留等不良记录；
3、所以这也是为什么我在职时间短的原因，1月回来，休息了一段时间，3月入职，有
签证记录
签证官也能看到，所以是make sense的；
4、去年在澳洲都是在西澳及
墨尔本地区生活，旅行也是西海岸，为了打消
签证官“都生活一年了为什么还有旅游”的顾虑，我还贴了我使用的APP证明18年澳洲的行迹都没有涉及东海岸，所以想趁十一期间去补上没有去东海岸的遗憾，去东海岸旅行；
5、今年2月申请
美国个人旅游签被拒，在表格的提问里也如实说明了，大致表达是“休假期间计划和朋友去
美国旅行，被无理由拒签了”；
6、没有找代理申请，是因为我认为自己对自己情况更清晰了解，并且有WHV
签证的DIY经验，而交给代理申请，自己并不清晰最终提交上去的资料如何，所以倾向于自己申请。
以上，不知道有经验的人能不能分析下实际拒签的原因。
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Reasons for decision You did not satisfy Subclause 600.211 of the Migration Regulations 1994, which reads that: The applicant genuinely intends to stay temporarily in Australia for the purpose for which the visa is granted, having regard to:
(a) whether the applicant has complied substantially with the conditions to which the last substantive visa, or any subsequent bridging visa, held by the applicant was subject; and (b) whether the applicant intends to comply with the conditions to which the Subclass 600 visa would be subject; and (c) any other relevant matter. Under policy when considering “any other relevant matter”, decision makers may take into account a wide range of considerations to determine whether an applicant genuinely intends a temporary stay in Australia. This may include, but is not limited to, the applicant’s employment, economic and family circumstances, their credibility, the claimed purpose and period of stay, and the applicant’s previous travel history.
In assessing these criteria I have taken into account the information provided in your visa application form and the supporting documents provided. On balance, I find that you have not demonstrated sufficiently strong employment, economic, family or other commitments in China that would be sufficient incentive for you to return to China. I have considered your economic circumstances and note that you have provided some evidence of your financial standing, however the amounts/assets cannot be considered significant in the context of overall economic/employment conditions and cost of living in China. As such, I do not consider that you have strong economic incentives to return China at the end of your proposed stay in Australia.
More specifically, while you claim to be employed in China, you have not provided sufficient evidence with your application of a regular salary payment that supports your income and employment claims. This leads me to have doubts as to your ongoing employment and overall economic circumstances in China. As such, I do not consider that you have strong employment or economic incentives to return China at the end of your proposed stay in Australia.
In light of the above considerations, I am not satisfied that you genuinely intend to stay temporarily in Australia for the purpose you have stated, and therefore find that you do not satisfy Subclause 600.211 of the Migration Regulations 1994