Chapter 289

"Save money, please." Yang Rui put the paper package on the bank counter.

This is a branch of the people's Bank of China next to Tsinghua. After 2000, the personal online stores and business of the people's Bank of China have shrunk. Many people have no direct business contact with the people's Bank of China except for the Credit Investigation Association. However, in 1983, the people's Bank of China was still the leader 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 bank are very common now. In addition to the independent courtyard, the structure of single story bungalows and small windows makes the room rather dark. Jing Yulan doesn't want to go in at all. He stops his bicycle, leans against a nearby tree and takes out his French vocabulary book to recite.

Yang Rui chose the younger one of the four tellers. When she looked up, she found that she was a beautiful girl with big eyes, small nose, willow eyebrows and light makeup. And next to the 40 year old woman, I do not know how many times the patience.

She raised her head, saw Yang Rui, also unconsciously narrowed her eyes.

Just as men seldom see beautiful women, women seldom see handsome men. In the 1980s, when there was no cosmetic surgery or cosmetic surgery, there were even fewer people who were handsome to Yang Rui's level.

"What kind of business?" Hao Yu gathered her hair behind the counter and asked again.

"Save money and open another account for me."

"Yes, just a moment, please." After understanding what to do, Hao Yu buried herself in writing her passbook.

Because there is no computer office, printers and other things are also rare, so the passbook as a certificate of deposit is all handwritten at this time.

In addition, there is no need to check certificates to open an account. In short, ordinary people can open as many accounts as they want.

Of course, today's banking business is simple. It's basically deposit and withdrawal. Even loans are very few, let alone the others.

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

"Yang Rui, Mu Yiyang, Jin Rongrui."

"Write it on paper, lest you make mistakes."

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

Turning around, the other party handed the passbook to Yang Rui, pointed to the upper left corner and said, "this number is your account number. You should remember that if you report the loss, you will ask to check the account number and your name. How much money do you want to deposit?"

"20000 yuan." Yang Rui took out 10000 yuan earlier and put it in his bag, but he didn't take it out.

"Two dollars, right?" Hao Yu automatically corrected Yang Rui's words and asked, "do you want to do a lump sum deposit and withdrawal? Small deposit and lump sum withdrawal means that you deposit two yuan a month. When it comes to one year, the bank will calculate the interest for one year according to 24 yuan. It's very cost-effective. "

Zero deposit and lump sum withdrawal is the most cost-effective way of financial management in the 1980s. It is equivalent to a reverse installment business, which is equal to the bank's installment business to individuals. Even if the money is deposited in the last month, it can also enjoy the annual fixed deposit interest. At present, the annual interest rate of 6% is very high.

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

The average worker's salary is 30 to 40 yuan, and 50 yuan is high. There is not much money left, and even fewer are willing to deposit.

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

However, Yang Rui had to be more honest: "it's to save 20000 yuan."

It's not easy for him to take the money back to his dormitory, and he carries too much money with him, because it's all ten yuan notes. One thousand yuan is a thick stack, and twenty thousand yuan is twenty stacks. In terms of thickness, it's the same as the 200000 yuan of later generations, but its value is quite different.

As far as the salary is concerned, 20000 yuan is the salary of an ordinary civil servant for 30 years. As far as the disposable funds are concerned, the amount of money is outrageous.

For a family with two employees, the expenses of water, electricity, meals and so on are deducted every month. The average monthly deposit is no more than 20 yuan, and only 200 yuan can be saved in a year. As far as the current wage level is concerned, it takes 100 years to save 20000 yuan.

If it's a single employee family, there's no need to save money, and non negative assets can be regarded as thrifty.

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

"I'm not a unit." Yang Rui smiles bitterly.

"Personal savings?"

"Yes."

"Then how can you have 20000." Hao Yu didn't need to do any psychological construction, so she asked.20 years later, people have a basic concept of privacy. But in the 1980s, people still said in a joking tone, "in foreign countries, you can't ask about men's income or women's age, you know?"

Hao Yu asks Yang Rui. Yang Rui sighed and said, "does your bank still manage this?"

So Hao Yu was asked and had to shout "director".

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

Without waiting for Hao Yu to explain, Yang Rui simply untied the paper bag and said, "I'm saving money. I'm earning a decent income. Do you want to report anything?"

"Don't worry, Xiao Hao, just do something and count the money." The director glared at Hao Yu. He guessed that Yang Rui was self-employed, so he didn't even ask for a work permit.

If in accordance with the law, self-employed are illegal, but so what, the motherland where there will be no self-employed now?

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

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

Hao Yu bowed her head wrongly, unable to argue.

The director stares at Hao Yu and gives the passbook to Yang Rui. At the same time, he says, "Mr. Yang, in fact, it's the most uneconomic to deposit money into current account. The interest on fixed account is much higher."

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

"If money is needed urgently at that time, the fixed interest can be removed. Of course, it will lose the fixed interest, but it is the same as the current interest. If it is not used at that time, there will be a lot of interest. In addition, you can divide the money into several accounts, such as 1000 yuan, 2000 yuan and 5000 yuan. At that time, according to the amount of money you want to use, you can cancel the fixed period of the account. In this way, only the interest of one account will be lost, and the interest of other accounts will be calculated on a regular basis. Our current one-year interest is 6%, that is, to deposit 10000 yuan, A year's interest is 600 yuan, 20000 yuan's interest is 1200 yuan, a lot of it. " The director of the bank slapped Yang Rui.

Hao Yu behind the counter looks at Yang Rui with a little taste. Her skin is better than that of a woman. She is about the same age as herself, but she has so much money. 600 yuan is more than her annual salary. 1200 yuan is even more nonsense.

She looked at Yang Rui and thought, "if I have 20000 yuan, I'll quit my job in the bank. It's enough to spend interest every month.".

Yang Rui shook his head again and rejected the regular practice.

The director of the bank was not disheartened and continued to work hard: "if you think it's not cost-effective to fix it regularly, there is actually a national debt with high interest! You know, national debt is not only a contribution to the country, but also a considerable income. Of course, the time is a little longer... "

The director of the people's Bank of China's banking office, in a small bungalow in red brick land, is engaged in the banking financial marketing in the 1980s.

National debt is the only financial product of banks in the 1980s. Because the window of national debt trading has not yet been opened, in theory, national debt can only be cashed after holding for 30 years.

Naturally, few people are willing to buy such financial management. Almost all of China's first treasury bonds are apportioned by force. Some employees will receive part of the Treasury bonds when they are paid. Of course, more of them are sales promotion and help from relatives and friends.

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

He has great confidence in his marketing skills, which is many years of practical experience.

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

Despite the director's kind attitude, Yang Rui did not waver.

When Yang Rui left the bank, the director was very angry and said, "Hao Yu, Hao Yu, what do you want me to say about you? Such a good opportunity almost makes you bad. Can't you change good from good? No, this client, you have to find a way to get it back for me. "

"How... How to get it back?" Hao Yu is silly.

"He can't stop saving, can he? We still have tens of thousands of dollars of treasury bonds to sell this year. If you can't sell them, you can only give them to everyone at the end of the year. "

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

This is what banks do now. The head office sets the task, the branch takes the task, and the branch office completes the task. The task is decomposed layer by layer, and finally assigned to the person. What can be completed naturally has a bonus, but what can't be completed can't do without a bonus. You have to eat the task yourself, or find relatives and friends to help, and then take the bonus home by yourself.

Director assigned a tossing task, contented back to the office, leaving Hao Yu straight stare.……

Beiyuan family district.

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

In the era of red brick building, the top floor is the worst house. It's cold in winter and hot in summer, all of which are left over.

But from the big aspect, can divide the house to be incomparably happy, not to mention has the independent toilet, has the independent kitchen, has the balcony building.

If we classify the houses in the whole country and put the name of luxury private residence on these three storey buildings, some of them will be buried in the red brick house.

So large area, everywhere can be seen in the new house, jubilant men and women.

Universities like Beijing Normal University are a little better. Although not everyone has buildings to live in, they do not lack land. It is not difficult to build some courtyards and bungalows or simple buildings. They can always solve the housing problem of teaching staff. However, in some lower level schools, such as secondary vocational schools or junior colleges, the housing problem is very serious.

In this era, organization is a living existence. Your superior is your organization, and your unit is your organization. If your superior is strong and your unit is strong, you can find an organization to solve more important problems.

Beijing Normal University is a powerful organization. It can guarantee to solve the housing problems of the staff and some of the building problems. Colleges and technical secondary schools are weak organizations in Beijing. They can only try their best to solve the housing problems of the staff and a few of the building problems.

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

A single dog can't find a wife? Organizations help you introduce people and engage in collective blind dates. Later, the military and large-scale organs still maintained similar traditions, but were infinitely weakened. If you are at a higher level and have an important position, the organization will send political commissars to help you solve your marriage 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. No matter whether their parents help or not, as long as they find an organization, there will always be someone to help. Big organizations have trade unions. In addition to sending apples, their main job is to help employees prepare for weddings and funerals. Small organizations have small trade unions, so they all come to help. Whether the relationship is good or bad, this is also a Chinese tradition.

Jing Yulan's house was built by the Ministry of education. It was distributed to the subordinate schools in proportion. For example, universities directly under Beijing Normal University got a little more, while stepmother's and illegitimate children got a little less.

But from Yang Rui's point of view, apart from the slightly backward design and slightly poor materials, this kind of house is still very good, and the side is good. First of all, it is the senior school district house adjacent to Beijing Normal University, Tsinghua people's Congress and Peking University. By 2015, it will sell 80000 yuan per flat and get 5 million yuan at once, which is more direct than winning the lottery.

"The house needs a good decoration. I'll fix it for you." Yang Rui walked around the house and made a decision immediately.

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

"I can't live any more. Maybe you still have to live. It's comfortable to pretend." Yang Rui naturally replied.

Jing Yulan only felt warm in her heart, and there were inexplicable emotions swimming in her chest.

……