Rebirth of the God-level Xueba

"Trouble save money." Yang Rui put the prepared paper bag on the bank counter.

This is a branch office of the People's Bank of China next to Tsinghua University. After 2000, the People’s Bank of China’s personal online store and business had shrunk. Many people had no direct business contact with the People’s Bank other than the People’s Bank of China when they checked their credit bureaus. However, in 1983, the People’s Bank of China was still The well-deserved hegemon of China's banking industry, with large and small online shops all over the country.

Although it is a relatively busy branch, the basic conditions of the current bank are very ordinary. Except for the commendable courtyard, the single-story bungalows and small windows make the room quite dim, and Jing Yulan simply doesn’t bother to go in. , Stopped the bicycle, leaned against a nearby tree, bored out of his portable French vocabulary book and started memorizing it.

Yang Rui chose the younger one of the four tellers. When she raised her head, she realized that she was a beautiful girl with big eyes, small nose and willow eyebrows, and she painted light makeup, which was quite enchanting. Compared with the 40-year-old aunt next to me, I don't know how many times I watched it.

She raised her head, saw Yang Rui, and squinted her eyes unconsciously.

Just as men have fewer opportunities to see beautiful women, women have fewer opportunities to see handsome men. In the 1980s without cosmetic surgery, there were very few people who were as handsome as Yang Rui.

"What kind of business?" Hao Yu, who was behind the counter, gathered his hair and asked again.

"Save money and open another account for me."

"Okay, please wait a moment." After hearing what to do, Hao Yu buried his head and wrote down his passbook.

Because there is no computer office yet, and printers are also rare things, so the passbooks used as deposit certificates are all handwritten at this time.

In addition, there is no need to check documents when opening an account. Simply put, ordinary people can open as many accounts as they want.

Of course, the current banking business is simple, basically it is deposits and withdrawals, even loans are pitiful, let alone other things.

"Your name?" Hao Yu behind the counter took the opportunity to look up at Yang Rui.

"Yang Rui, Mu Yiyang, Jin Duirui."

"Write it on paper, lest you make a mistake."

Yang Rui wrote his name on the paper according to her request.

Turning his head, the other party handed the passbook to Yang Rui, pointing to the upper left corner and said: "This number is your account number. You have to remember that if you report the loss, you will be asked to check the account number and your name, how much do you want to deposit? money?"

"Twenty thousand yuan." Yang Rui took out ten thousand yuan earlier and stuffed it into his bag, but didn't take it out.

"Two yuan is it?" Hao Yu automatically corrected Yang Rui's words, and asked: "Do you want to do zero deposit and lump sum withdrawal? Zero deposit and lump sum withdrawal means that you deposit two dollars every month. By the end of the year, the bank It's very cost-effective to calculate the interest for one year at 24 yuan."

Zero deposit and lump sum withdrawal can be said to be the most cost-effective way of financial management in the 1980s. It is equivalent to a reverse instalment business, which is equivalent to the bank's instalment to individuals. Even the money deposited in the last month can enjoy the whole year. The interest on fixed deposits is very high in terms of the current annual interest rate of 6%.

And a deposit of two yuan and five yuan at a time is also very common in banks at this time.

Ordinary workers’ wages are between thirty and forty yuan. Fifty yuan is considered high. There is not much money left, and even fewer people are willing to save.

In fact, in the 1980s, more people were people who had no money to deposit, so the bank was empty. Even if the business was done very slowly, there was still little queuing.

However, Yang Rui had to correct it: "It is a deposit of 20,000 yuan."

It’s hard for him to get the money back to the dormitory, and it’s too much to carry with him, because it’s all ten yuan bills. One thousand yuan is a thick stack, and 20,000 yuan costs 20 stacks. In terms of thickness, it’s the same as later generations. 200,000 is the same, but the value is completely different.

As far as wages are concerned, 20,000 yuan is the 30-year salary of ordinary civil servants, and if it is the disposable funds, this amount of money is outrageous.

For a dual-employee family, one month to deduct the necessary water, electricity, meals and other expenses, the average monthly deposit is not more than 20 yuan, and only 200 yuan a year is saved. As far as the current wage level is concerned, it takes 100 years to save 20,000 yuan.

If it is a single-employee family, there is basically no need to save money, and not having negative assets is already regarded as diligent and thrifty.

Most of the people who deposit so much money in the bank are units rather than individuals. Hao Yu is also a little upset, and said, "You didn't say that you are a unit. Did you bring your official seal? I have to rewrite the account."

"I wasn't a unit originally." Yang Rui smiled bitterly.

"Personal deposit?"

"Yes."

"Then how can you have 20,000 yuan?" Hao Yu asked without any psychological construction.

Twenty years later, people will have a basic concept of **. But in the 1980s, people still used a ridiculous tone to say, “In foreign countries, you can’t ask men’s income, nor can you ask women’s age, you know?”

Hao Yu stopped Yang Rui. Yang Rui sighed and said, "Does your bank still take care of this?"

So Hao Yu was asked to stop, and forced to shout "Director".

A middle-aged man with thinning hair ran out from behind.

Yang Rui didn't wait for Hao Yu's explanation, and simply unzipped the paper bag and said, "I'm saving money and earning a decent income. Do you want to report it?

"No, Xiao Hao, what do you do in a daze, count the money into the account." The director glared at Hao Yu uncomfortably. He guessed that Yang Rui was self-employed, so he didn't even need a work permit.

If according to the law, self-employed are all illegal, but so what, where is there no self-employed in the motherland?

Although there are not many self-employed people around the branch office, very few people save money-these people are used to cash and carry cash bags to buy goods.

But from the director's point of view, the most important thing is to deposit money in your own unit.

Hao Yu lowered his head aggrievedly, unable to argue.

The director stared at Hao Yu, who made the passbook and handed it to Yang Rui, and said: "Mr. Yang, it's actually the least cost-effective to deposit money as a current account. Regular interest rates are much higher."

"I don't know when to use the money yet."

"If you use money urgently at that time, you can cancel the fixed-term interest. Of course, this will lose the periodic interest, but it is the same as the current interest, and there is no loss. If it is not used by the time, the interest can be a lot. And, you can still Divide the funds into several accounts, such as one account for 1,000 yuan, one account for 2,000 yuan, and another account for 5,000 yuan. Then, according to the amount of money you want to use, cancel the regular account, so that only the interest of one account will be lost, and the other accounts will be lost. The interest is also calculated on a regular basis. Our current one-year interest is 6%, which means depositing 10,000 yuan, 600 yuan a year in interest, and 20,000 yuan in interest is 1,200 yuan, which is a lot.” The bank director cracked. Yang Rui was immediately beaten up.

Hao Yu behind the counter looked at Yang Rui a little bitterly. Even if his skin was better than a woman, she was about the same age as herself, but she had so much money. 600 yuan was more than her salary for a year, and 1200 yuan was even more nonsense. .

She looked at Yang Rui and thought: If I had 20,000 yuan, I would quit my job in the bank, and it would be enough to spend interest every month.

Yang Rui shook his head again, rejecting the regular practice.

The director of the bank was not discouraged, and continued his efforts: "If you feel that regular periods are not cost-effective, there is actually a high-interest national debt! National debt, you know, this is not only a contribution to the country, in fact, the income is also considerable. Of course, time A little longer..."

In the red brick floor, in the small bungalow, the director of the branch office of the People's Bank of China is conducting the bank's financial management marketing in the 1980s.

Treasury bonds were the only financial product of banks in the 1980s. Since the window for buying and selling treasury bonds has not yet been opened, in theory, treasury bonds can only be redeemed after being held for 30 years.

Naturally, few people are willing to purchase this kind of financial management. Almost all of China’s first batch of national debt was forcibly allocated. When some employees receive their wages, they will receive part of the national debt. Of course, more of them are relatives and friends. Sales and help between.

The director of the bank is counting on himself to sell a little treasury bond and relieve the pressure.

He is extremely confident in his salesmanship, which is based on years of practical experience.

However, he did not guess that Yang Rui had faced too many dedicated bank wealth managers.

Regardless of the director's kind attitude and broken lips, Yang Rui did not waver at all.

When Yang Rui left the bank, the director became furious and said, "Hao Yu, Hao Yu, what do you want me to say about you? Such a good opportunity, if you almost make good things change for you, you can’t change good things into better things? No, this customer, you I want to find a way to get it back."

"Why... how to grab it back?" Hao Yu was dumbfounded.

"He can't save money and won't come, right? We still have tens of thousands of dollars of national debt that have not been sold this year. If you try to sell it to him, if you can't sell it, you can only distribute it to everyone at the end of the year."

As soon as the director's voice fell, there was a sigh around him.

The current bank is like this. The head office assigns tasks, branches accept tasks, and sub-offices complete tasks. The tasks are decomposed layer by layer, and finally assigned to people. Naturally, there will be bonuses if they can be completed. Eat it, or ask relatives and friends for help, and then take the bonus home by yourself.

The director assigned a tossing task and returned to the office contentedly, leaving Hao Yu staring.

...

Beiyuan family area.

Jing Yulan was assigned to the third floor, the house on the top floor.

In the era of red brick buildings, the top floor was the worst house. It was cold in winter and hot in summer, and everyone picked up the leftovers.

But from a big point of view, it is extremely happy to be able to get a house, not to mention a building with a bathroom, a kitchen, and a balcony.

If we divide the houses across the country into levels and put the name of luxury private residences on these three-story small buildings, this red brick house will be somewhat buried.

In the huge community, you can see men and women beaming with new houses everywhere.

Higher universities such as Beijing Normal University are a little better. Although not everyone has a building to live in, the school does not lack land. It is not difficult to build some courtyards and bungalows, or simple buildings. It can always solve the problem of faculty and staff. The housing problem, but in some lower-level schools, such as technical secondary school, or junior college, the housing problem is very serious.

In this era, organization is a living thing. Your superior is your organization, and your unit is your organization. Your superiors are strong, your unit is strong, you can find organizations to solve more important problems.

Beijing Normal University is a relatively powerful organization. It can guarantee to solve the housing problem of employees and partially solve the problem of buildings. Colleges and technical schools are weak organizations in Beijing. It can only be said that they try their best to solve the housing problem of employees and solve the problem of buildings in a small amount.

Compared with urban residents, this is actually a very effective social structure.

Single dog can't find a wife? The organization helps you introduce people and engages in collective blind dates. Later, the army and large institutions still maintained a similar tradition, but they were infinitely weakened. If the level is higher and the position is more important, the organization will send political commissars and others to help you solve marital problems. For example, the famous academician Chen Jingrun entered the palace of marriage with the help of the organization.

Organized people don’t have to worry about getting married. Whether their parents help or not, they just find an organization, and there will always be someone to help. Large organizations have labor unions. In addition to distributing apples, their main job is to help employees organize weddings and funerals. Small organizations have labor unions and small ~www.NovelMTL.com~ Then all come to help, no matter the relationship is good or bad, this is also Chinese tradition.

The house that Jing Yulan was allocated this time was built by the Ministry of Education and distributed to the subordinate schools in proportion. For example, Beijing Normal University, directly affiliated colleges and universities, received a little more, and the stepmother’s and illegitimate children were less. a little.

But from Yang Rui’s point of view, in addition to the design is a little behind and the materials are a little worse, this kind of house is still very good, and the side is good. First of all, here is the senior school district room adjacent to Beijing Normal University, Tsinghua University and Peking University. In 2015, Yiping sold 80,000 yuan, and immediately got 5 million, which is more direct than winning the lottery.

"This house needs to be renovated, I'll install it for you." Yang Rui wandered around the house and made a decision immediately.

Jing Yulan said amused: "You don't know how long you can borrow this house, just decorate it."

"I can't live anymore, maybe you still want to live, pretended to live comfortably." Yang Rui replied naturally.

Jing Yulan only felt warm in her heart, with inexplicable emotions swimming in her chest.

……()