Rebirth of the God-level Xueba

The director of the bank has been coveting Yang Rui, a big client, for a long time.

He insisted not to buy treasury bonds, and the director of the bank had no other choice, but loans are also an excellent cash-out strategy. Seeing that Yang Rui was really interested, the director immediately introduced him with all his heart, and invited him again: "Let's sit back and talk, it's cold outside, My tongue freezes when I speak."

Yang Rui laughed and said, "Let's talk in the room, don't go in."

"Okay. Xiao Chen, pour tea." The director brought Yang Rui into the branch office again, and the two asked for chairs again, and they talked in the corner of the hall.

Hao Yu behind the counter cast curious glances from time to time, but he couldn't guess what the two were talking about.

Xiao Chen ran back and forth to move chairs and small tables, re-made tea, and brought melon seed snacks, which amazed the two or three small citizens who came in occasionally. They didn't know that the bank had such a human side.

The conversation between Yang Rui and the director of the bank gradually became warmer.

After a while, when the loan interest rate was set at 5%, the expressions of the two became happier.

The director of the bank is happy because he finally has the opportunity to solve the loan problem. Moreover, the interest rate is higher than that of ordinary state-owned enterprises.

The current loans are all planned loans. When a state-owned enterprise needs a loan, it proposes it to the bank or the local government. In order to reduce the burden on their own enterprises, the latter often lowered the loan interest rate, and 3% or 2% low-interest loans were common during this period.

In fact, by the end of the 1980s, many companies were making it clear that their horses and horses were dying, and banks continued to lend money so that they could pay workers wages. Such policy loans, not to mention recovering the interest, have all the principal. It is a bad debt that is destined not to be recovered, but when necessary, the bank still has to lend it out.

Healthy loans are rare at this time, and there are many banks vying for loans, and some banks are also competing within themselves.

In places like the Tsinghua branch of the People's Bank of China, there are not many large companies around, and the difficulty of cross-regional loans has increased.

Yang Rui's promise to use the school's project team to get the loan is undoubtedly good news for the bank director.

Yang Rui is happy because he got the loan. Although it is not as exaggerated as the interest-free loan his cousin got before, the 5% interest is not much. In fact, the interest rate of time deposits is more than 5% now. That is to say, if you take out a loan with 5% interest and transfer it to the bank, you can earn a small amount of money.

And if you look at it from the perspective of thinking 30 years later, it is enough to be happy to be able to borrow chickens to lay eggs. You don’t care whether the chicken is fat or not.

Leaving the bank, Yang Rui asked Tang Zhonghe and Wang Yaping for help, and asked the leaders of the student office to go to the Beijing Restaurant for a chat and dinner. After a simple sugar-coated bullet, he called Shi Gui out to accompany the guests.

Shi Gui, who was going to the banquet in the crown car, was frightened when he heard the loan of 350,000 yuan, and said: "The annual interest rate is 5%, and the annual interest is almost 20,000 yuan. ?”

Yang Rui asked: "As long as you give 20,000 yuan a year, you can use up 350,000 yuan. You can't earn 20,000 yuan a year?"

"It is said that we can make money, but it's hard to say. What if we can't make money, then what will we give to others." Shi Gui's mood was uncertain, and the comfortable Crown car seemed to be uncomfortable.

Yang Rui sighed, and said: "When you were in Hedong, didn't you earn 20,000 yuan a year? You can use the 350,000 yuan if you can, and temporarily save it if you can't.

There will never be a disadvantage..."

"Why don't you suffer? You don't know that the market is saying that prices are going to rise." Shi Gui retorted Yang Rui in a rare way.

Yang Rui smiled wryly: "Why don't I know, it's really not possible, let's snap up it too."

"Purchasing?"

"Buying things, you're right, it's not okay to store them temporarily." Yang Rui paused, and then said: "Crisis is also an opportunity. If it weren't for the excessive issuance of currency, we wouldn't be able to borrow so much money, right?"

In October 1984, China will usher in the first wave of panic buying since the reform and opening up, and the price of retail products will rise by 28.8%. Using the explanation familiar to the world, if the original price of pork is 12 yuan, the price after the increase will be 16 yuan. Yuan, all daily necessities and daily necessities have such a price increase, the impact can be imagined.

Of course, panic buying and inflation didn't happen in a day. Since 1982, China has entered a period of rapid growth, and in order to meet the economic development and make up for the fiscal deficit, the central currency has been issued in excess - the currency in circulation in the country has thus increased by 50%. During the event, Chinese people who managed to save some money naturally had to take various measures to protect their wealth.

Panic buying will inevitably happen.

At this time, the excessive currency issued by the country must be spent in every possible way, and bank loans are the main channel.

It can be said that from 1982 to 1984, banks at all levels were scratching their heads for loans, and this is why Yang Rui had the opportunity to get loans.

At the end of the year, after the central government discovers the scourge of excessive currency issuance, it will try every means to get the bank to withdraw funds. At that time, it will naturally be another situation.

Shi Gui didn't have Yang Rui's foresight, and he still looked worried, but he finally trusted Yang Rui's judgment, waited, and said: "That's good, we can get the printing factory out first when we have money, We can buy a few more machines first, and then store more printing paper. I originally planned to start a publishing house from scratch, but this plan cannot keep up with the changes."

"Scale is a good thing. We are still a primary industrial country. We need a larger scale to compete with pirates."

"Yes, piracy has always been a problem." Publisher Shi Gui kept shaking his head.

"We can think of a way to apply for another journal. We can make the journal and publications interact. They are all for the student market, with different solutions, the same type of questions, and the latest information on our publications. Well, we can also use them in various places. Holding lectures by well-known teachers..." Yang Rui randomly selected two methods of postgraduate entrance examination market for later generations, and Shi Gui's eyes lit up when he listened.

Most of the piracy in the 1980s was a small family workshop, similar to what Yang Rui and others did in the Ruixue Group. Such pirates have no ecological chain, and naturally it is difficult to compete with the Xinhua Bookstore system.

In contrast, the postgraduate entrance examination institutions after 2000 are still facing the threat of the network ecology. At that time, the postgraduate entrance examination institutions could find a reasonable business model, and the student market in the 1980s was even more promising.

In fact, in this era, some well-known textbooks have sold millions of sales, but the authors at this time did not receive much money, which caused the market ecosystem to shrink for a while.

In the 1980s, the college entrance examination was more important than the postgraduate examination and the civil service examination combined, but no professional publishing houses participated in the competition.

Shi Gui finally survived the heavy pressure of 20,000 yuan per year in interest, and when he saw the director of the student department invited by Yang Rui, he already had some bossy airs.

With 350,000 yuan by his side, he shows his style even if he has no style.

Yang Rui walked around the table, only thinking that he was an introducer, and left after a quick meal, leaving Shi Gui to discuss the details with them.

Yang Rui returned to the laboratory to continue doing experiments and writing papers.

His interest in the molecular mechanism itself is average, and he has no intention of in-depth research. Human energy is limited, especially for academic things. Even if it is a fork in the road, it is enough for a person to walk for a lifetime. Some of the routes can only be tasted briefly.

In addition, Yang Rui is also doing repeated experiments in genomics, and then writes papers and submits them one by one.

Arriving at Peking University, Yang Rui's vision has also broadened.

When he was in Xibao Middle School, Yang Rui was always worried that the conditions of the laboratory could not complete the experiment, and he was even more worried that the number of papers and the speed of his experiments exceeded ordinary people.

But at Peking University, it was originally a place that surpassed ordinary people.

Although there are inevitably normal people among the classmates, there are guys who like to play or like poetry, but in terms of experimental research, the normal here itself is supernormal.

As far as Yang Rui knows, there are already examples of junior students who have published four papers in one month, and in the world, there are many madmen who publish hundreds of papers a year and thousands of papers in ten years.

Three papers a day, in fact, is no different from writing homework and writing an experimental report. Even if you are a boss and have many experimenters under you, it is quite difficult.

Because Yang Rui omitted the most difficult step of designing the experimental plan, he always did multiple experiments in one go, and rarely cared about other people's ideas.

Of course, not many people stared at him. Except for some people who were curious about how Yang Rui got the 2,000 yuan project funding, everyone didn't know what experiment he was doing or what step he had achieved.

Yang Rui did several experiments. Unless he gave the experimental results himself, everyone would treat them as repeated experiments of one experiment. Even Sun Ruyue, the experimental assistant, couldn't figure it out, and asked Yang Rui: "Let's Wouldn't it be too wasteful to do so many experiments?"

Yang Rui didn't explain much, collected the data, and went straight to the library to write a thesis.

Now, no more than in the future, there is no online literature to search, and all the materials have to be found in the library. Therefore, it is of more practical significance for students in the 1980s to go to the library, and it can be said that it is inseparable.

Although there are related documents in Yang Rui's mind, there are not many in the 1980s or before, and he had to check the existing documents for the things involved in his thesis.

For a thesis, the experiment counts as half, and the text counts as half, and Yang Rui spent a longer time soaking in the library.

Fortunately, the librarian has been sugar-coated, and it is very convenient to go to the library or the periodical reading room.

After quietly writing the paper for a week, Yang Rui sent the paper abroad almost at the speed of two days.

He thought that this kind of leisurely life would last for a long time, but he didn't expect it. He only sent four papers out, and met Li Xin by accident in the library.

"Dr. Li? Have you come to Peking University?" Yang Rui had to express surprise. This doctoral student from Donghua University who I met at Jing Yulan's house was supposed to have entered the China Silk Headquarters, but I met him in the library of Peking University, which was really unexpected.

Li Xin also saw Yang Rui at a glance, and asked even more surprised: "Aren't you just a freshman? Why did you enter the library? The management of this library is too lax."