Rebirth of the God-level Xueba

"Please save money." Yang Rui put the finished paper package on the bank counter.

This is a branch of the People's Bank of China adjacent to Tsinghua University. After 2000, the personal online store and business of the People’s Bank of China have shrunk, and many people no longer have direct business contact with the People’s Bank of China except to check credit information. However, in 1983, the People’s Bank of China was still a The well-deserved overlord of China's banking industry, with large and small online stores all over the country.

Although it is a relatively busy branch, the basic conditions of the current bank are very ordinary. Apart from the commendable courtyard, the single-storey bungalow and the small windows made the room quite dark, and Jing Yulan didn't even bother to go in. , stopped the bicycle, leaned against a nearby tree, bored out of his pocket French vocabulary and memorized it.

Yang Rui chose the younger one among the four tellers, and when she raised her head, she realized that she was a beautiful girl with big eyes, small nose and willow-leaf eyebrows, with light makeup on, quite enchanting. Compared with the 40-year-old lady next to me, I don't know how many times I can watch it.

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

Just as men have fewer opportunities to see beautiful women, women have fewer opportunities to see handsome men. In the 1980s when there was no plastic surgery or make-up, there were very few people as handsome as Yang Rui.

"What business do you do?" Hao Yu behind the counter brushed his hair and asked again.

"Save money and open another account for me."

"Okay, please wait a moment." After understanding what to do, Hao Yu immersed himself in writing the passbook.

Because there is no computer for office work, and printers are rare, so all passbooks used as deposit certificates are handwritten at this time.

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

Of course, the current banking business is simple, basically deposits and withdrawals, and even loans are pitifully small, 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."

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

Turning his head, the other party handed the passbook to Yang Rui, pointed to the upper left corner and said: "This number is your account number,

You have to remember that if you report the loss or the like, you will be asked to check the account number and your name. How much do you want to save? "

"20,000 yuan." Yang Rui took out 10,000 yuan earlier and stuffed it into his bag, but did not take it out.

"Is it two yuan?" Hao Yu automatically corrected Yang Rui's words, and asked: "Do you want to do lump sum withdrawal? Zero deposit and lump sum withdrawal means that you deposit two yuan every month. After a year, the bank will According to 24 yuan, I will give you a year's interest, which is very cost-effective."

Zero deposit and lump sum withdrawal can be said to be the most cost-effective financial management method in the 1980s. It is equivalent to a reverse installment business, which means that the bank makes installments to individuals. Even if it is the money deposited in the last month, you can enjoy the whole year The fixed deposit interest rate is very high for 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.

The wages of ordinary workers are only 30 to 40 yuan, and 50 yuan is considered high. There are not many people who can have a surplus of this money, and even fewer are willing to save.

In fact, in the 1980s, most people had no money to save, so the banks were empty. Even though the business was very slow, there were still few queues.

However, Yang Rui had to correct it: "It's 20,000 yuan."

It is difficult for him to take the money back to the dormitory, and it is too much to carry with him, because they are all ten yuan bills, one thousand yuan is a thick stack, and twenty thousand yuan needs 20 stacks. 200,000 is the same, but the value is completely different.

In terms of salary, 20,000 yuan is the salary of an ordinary civil servant for 30 years, but in terms of disposable funds, this amount is outrageous.

For a dual-career family, the average monthly deposit is no more than 20 yuan, and only 200 yuan is saved a year, after deducting the necessary expenses such as water, electricity, and meals a month. At the current salary level, 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 living without assets is already regarded as thrifty housekeeping.

Most of the people who deposited so much money in the bank were units rather than individuals. Hao Yu was also a little annoyed, and said, "You didn't say you were a unit, did you bring your official seal? I have to rewrite the paperwork."

"I'm not a unit." Yang Rui smiled wryly.

"Personal savings?"

"Yes."

"Then how do you have 20,000 yuan?" Hao Yu asked without doing any psychological training.

By 20 years, people have a basic concept of sex. But in the 1980s, people still said in a joking tone, "You can't ask a man's income in a foreign country, and you can't ask a woman's age, you know?"

Hao Yu stopped Yang Rui from asking. Yang Rui sighed and said, "Your bank still cares about this?"

So Hao Yu was stopped by the question and had no choice but to call out "Director".

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

Yang Rui didn't wait for Hao Yu to explain, he simply unwrapped the paper bag and said, "I'm saving money, earning it decently, do you want to report it or something?"

"No need, Xiao Hao, what are you doing in a daze, count the money and get it into the account." The director gave Hao Yu a displeased look. He guessed that Yang Rui was self-employed, so he didn't even need a work permit.

According to the law, self-employment is illegal, but so what, where is there no self-employment in the motherland?

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

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

Hao Yu lowered his head aggrieved, unable to argue.

The director stared at Hao Yu as he prepared the passbook and handed it to Yang Rui, and said, "Mr. Yang, it's actually the least cost-effective to save money as a deposit, and the regular interest rate is much higher."

"I still don't know when the money will be used."

"If you need money urgently at that time, you can cancel the fixed term. Of course, you will lose the regular interest, but it is the same as the current interest, and you will not suffer. If you don't use it at that time, the interest will be quite a lot. Moreover, you can also Divide the money into several accounts, such as one account of 1,000 yuan, one account of 2,000 yuan, and another account of 5,000 yuan. At that time, the regular period of the account will be canceled according to the amount of money you want to use, so that only the interest of one account will be lost, and the interest of other accounts will be lost. The interest is still calculated on a regular basis, and our one-year interest rate is 6%, that is, if you save 10,000 yuan, the annual interest will be 600 yuan, and the interest for 20,000 yuan will be 1,200 yuan, which is a lot.” The bank director clattered, Immediately, Yang Rui was stunned.

Hao Yu behind the counter looked at Yang Rui with a bit of taste. It’s okay to have better skin than a woman. She is about the same age as herself, but she has so much money. 600 yuan is more than her annual salary, and 1200 yuan is even more nonsense. .

She looked at Yang Rui and thought: If I have 20,000 yuan in the bank, I will quit my job and spend the interest every month.

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

The director of the bank was not discouraged, and continued his efforts: "If you think it's not worthwhile to pay a fixed term, there is actually a high interest rate, national debt! You know that national debt is not only for the country, but the income is also very considerable. Of course, the time is It's a little longer..."

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

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

Naturally, very few people are willing to buy this kind of financial management. The first batch of national debt in China is almost all forcibly apportioned. When some employees get their wages, they will receive part of the national debt. Of course, more are relatives and friends. Selling and helping between.

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

He has great confidence in his salesmanship, which has been practiced for many years.

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

Even though the director had a kind attitude and broke his lips, Yang Rui did not waver in the slightest.

When Yang Rui left the bank, the director was furious and said, "Hao Yu, Hao Yu, what do you want me to say about you? Such a good opportunity almost turned your good things into bad things, so you can't make things better? No, this client, you Find a way to get it back for me."

"How... how to get it back?" Hao Yu was dumbfounded.

"He can't stop coming after saving money, can he? We still have tens of thousands of national bonds that have not been sold this year. You can find a way to sell them to him. If you can't sell them, you can only distribute them to everyone at the end of the year."

As soon as the director finished speaking, there was a sound of lamentation all around.

The current bank is like this. The head office assigns tasks, the branches receive the tasks, and the sub-branches complete the tasks. Eat it, or ask relatives and friends for help, and then take the bonus home by yourself.

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

...

Beiyuan family area.

Jing Yulan was assigned to the third floor, which is the top floor of the house.

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 very happy to be able to get a house, let alone a building with a private bathroom, a private kitchen, and a balcony.

If we classify the houses in the country today, and put the title of luxury private residence on these three-story buildings, it will somewhat bury this red brick house.

In the huge community, happy men and women can be seen everywhere who have divided into new houses.

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

In this era, organizations are a living thing. Your superior is your organization, and your unit is your organization. If your superior is good and your unit is good, you can find an organization 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 building problem. Junior colleges and technical secondary schools are weak organizations in Beijing.

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

Single dog can't find a wife? Organizations help you introduce partners and engage in group blind dates. Later, the military and large institutions still maintain similar traditions, but they are infinitely weakened. If the rank is higher and the position is more important, the organization will also send political commissars and others to help you solve marriage problems with a three-inch tongue. 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, no matter whether their parents help or not, as long as they find an organization, there will always be someone to help. Large organizations have trade unions. Besides distributing apples, their main job is to help employees organize weddings and funerals. Small organizations have small unions, so all of them will help out, regardless of whether the relationship is good or bad. This is also a Chinese tradition.

The house that Jing Yulan was allocated this time was built by the Ministry of Education, and it was allocated to the subordinate schools in proportion. For example, directly affiliated colleges and universities such as Beijing Normal University will be allocated a little more, and those born by stepmothers and illegitimate children will be allocated less. a little.

But from Yang Rui's point of view, apart from the slightly backward design and poor materials, this kind of house is still very good, and the others are good. First of all, this is a high-level school district adjacent to Beijing Normal University, Tsinghua University, and Peking University. Live until 2015, sell Yiping for 80,000 yuan, and immediately get 5 million, which is more direct than winning the lottery.

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

Jing Yulan laughed and said, "You don't even know how long you can borrow this house, so just decorate it."

"I can't live anymore, maybe you still have to live, pretend well, live comfortably." Yang Rui replied naturally.

Jing Yulan only felt a warmth in her heart, and inexplicable emotions swam in her chest.

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