Chapter 316

Yang Rui, a big customer, has been greedy for a long time.

He insisted on not buying Treasury bonds, and the director of the bank had no way, but the loan was also an excellent cashing strategy. Seeing that Yang Rui was really interested, the director immediately introduced him wholeheartedly, and re invited him to say, "let's sit back and talk. It's cold outside, and it's freezing to talk."

Yang Rui laughed and said, "let's talk in the room instead of going in."

"Good. Xiao Chen, pour the tea. " The director brought Yang Rui into the office again. They asked for a chair and talked in the corner of the hall.

Hao Yu behind the counter cast a curious look from time to time, but she couldn't guess what they were saying.

Xiao Chen moved a chair and a small table, made tea again, and brought melon seed snacks, which surprised two or three ordinary people who came in occasionally. He didn't know that the bank had such a human side.

Yang Rui and the director of the bank began to talk.

After a while, when the loan interest rate is set at 5%, their expressions will be more happy.

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

Now the loans are all planned loans. When the state-owned enterprises need loans, they propose them to the banks or the local governments. If the former agrees, they will agree, and if they disagree, they will be coordinated by the local governments. In order to reduce the burden of their own enterprises, the latter tend to lower the loan interest rate, and low interest loans of 3% or 2% are common in this period.

In fact, by the end of the 1980s, many enterprises had made it clear that they were going to die, and the banks were still making loans to enable them to pay workers. Such policy loans, let alone interest recovery, were all bad debts destined not to be recovered. But when necessary, the banks had to lend them out.

Healthy loans are rare at this time. There are many banks scrambling for loans, and some banks are also competing internally.

In places like Tsinghua branch of the people's Bank of China, there are not many big enterprises around now, so it is more difficult to run loans across districts.

Yang Rui promised to borrow money from the school's project team, which is undoubtedly good news for the bank director.

Yang Rui is happy to get the loan. Although it is not as exaggerated as the interest free loan he got before, the interest of 5% is not much. As a matter of fact, the interest rate of time deposit is more than 5%, that is to say, if you loan with 5% interest and deposit it in the bank, you can make a small sum of money.

If you look at it from the perspective of 30 years later, it's enough to be happy to borrow chicken to lay eggs. Do you care whether the chicken is fat or not.

After leaving the bank, Yang Rui asks Tang Jianji and Wang Yaping for help. He also asks the leaders of the student affairs department to go to Beijing hotel to have a chat and have a meal. After a simple round of sugar coated shells, he calls out Shi GUI to accompany the guests.

Shi GUI, who was sitting in the crown car for dinner, was scared when he heard the loan of 350000 yuan. He said: "the annual interest rate is 5%, but it's not 20000 yuan faster than that?"

Yang Rui asked: "as long as you give 20000 yuan a year, 350000 yuan will be used by you. You still can't earn 20000 yuan a year?"

"It's said that we can make money, but it's hard to say. If we can't make money, then what shall we give to others?" Shi GUI's mood is uncertain, and the comfortable crown car seems to be uncomfortable.

Yang Rui sighed and said, "when you were in Hedong, didn't you make 20000 yuan a year? You can use it if you can, and you can save it if you can't, and you won't suffer any loss... "

"Why don't you suffer? You don't know the market is saying that prices are going up." Shi GUI rarely refutes Yang Rui.

Yang Rui wry smile: "I how don't know, really can't, we also rush to buy."

"Rush to buy?"

"You're right about shopping. It's impossible to store things temporarily." Yang Rui stopped for a moment and said, "crisis is also an opportunity. If it wasn't for excessive currency, we wouldn't be able to borrow so much money."

1984 In October 2008, China will usher in the first rush buying trend since the reform and opening up, with retail prices rising by 28%. According to the familiar explanation of later generations, if the original price of pork is 12 yuan, the price after the rise will be 16 yuan. The impact of all daily necessities and necessities will be obvious.

Of course, panic buying and inflation don't happen in a day. Since 1982, China has entered a period of rapid growth. In order to meet the needs of economic development and make up for the fiscal deficit, the central currency has been issued in excess. As a result, the currency in circulation throughout the country has increased by 50%. In this compulsory tax activity, which is similar to treasure money, Chinese people who have managed to save some money naturally have to take various measures to protect their wealth.

Panic buying is essential.

At this time, we should try our best to spend the super issued currency. Bank loans are the main channel.It can be said that in the years from 1982 to 1984, banks at all levels were scratching their heads for loans, and that's why Yang Rui had the opportunity to get loans.

At the end of the year, when the central government finds out the harm of over issuance of money, it will try every means to get the banks to collect the funds. At that time, it will be another time.

Shi GUI didn't have Yang Rui's foresight, but he was still worried. However, he finally trusted Yang Rui's judgment. After a while, he said: "well, we can get the printing factory out first when we have money. We can buy more machines first, and then reserve more printing paper. I originally planned to start a publishing house with a little fuss, It's a plan that can't keep up with the changes. "

"Scale is a good thing. We are still a primary industrial country. We can compete with pirates only if we have a larger scale."

"Yes, piracy is always a problem." Shi GUI, the publisher, shook his head.

"We can find a way to apply for another magazine. We can make magazines and publications interact. They are all student markets, different solutions, the same type of problems, and the latest information of our publications. En, we can also run lectures for well-known teachers everywhere..." Yang Rui randomly selected two ways of Postgraduate entrance examination market, Just listen to Shi GUI's eyes.

80 In the s, most of the pirates were family workshops, similar to what Yang Rui and others did when they were in Ruixue group. Such pirates have no ecological chain and are naturally difficult to compete with Xinhua bookstore system.

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

In fact, in this era, some famous textbooks have sold for millions, but at this time, the author did not receive much money, which made the market ecosystem shrink for a time.

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

Shi GUI finally survived from the heavy pressure of the annual interest of 20000 yuan. Seeing the director of the student Department invited by Yang Rui again, he had some boss style.

There are 350000 yuan in front of me, and I have no style.

Yang Rui walked around the banquet, just as if he was an introducer, and left after eating, leaving Shi GUI to talk about the details with them.

Yang Rui went back to the laboratory to continue to do experiments and write papers.

His interest in molecular mechanism itself is general, and he doesn't mean to study it in depth. People's energy is limited, especially in the academic field. Even a fork in the road is enough for people to walk for a lifetime. Except for basic science, most of the routes can only be tasted easily.

In addition, Yang Rui is also doing repetitive experiments in genomics, and then writing papers to contribute one by one.

At Peking University, Yang Rui's vision has also been broadened.

When he was in Xibao middle school, Yang Rui was always worried that the laboratory conditions would not be able to complete the experiment, and he was even more worried that the number of his papers and the speed of the experiment were higher than ordinary people.

But in Peking University, this is a place where people are more than ordinary.

Although there are some normal students, some like to play or like poetry, in the aspect of experimental research, the normality itself is supernormal.

As far as Yang Rui knows, there have been cases in which junior students have published four papers in a month. In the world, there are many crazy people who publish hundreds of papers a year and thousands of papers a decade.

In fact, there is no difference between writing three one-day papers and doing homework and writing experiment reports. Even as a boss, it's not easy to be driven by many experimenters.

Because Yang Rui omits the most difficult step of designing the experimental scheme, he always does many experiments at one time and seldom takes into account other people's ideas.

Of course, in fact, there are not many people staring at him. Except for some people who are curious about how Yang Rui got the project funding of 2000 yuan, we don't know what experiment he is doing or what step he is going to take.

Yang Ruilian did several experiments. Unless he gave the experimental results himself, everyone was doing several repeated experiments of one experiment. Even sun Ruyue, an experimental assistant, couldn't understand it. He also asked Yang Rui, "is it too wasteful for us to do so many experiments?"

Yang Rui did not explain much, collected data, and went straight to the library to write papers.

Now, no more than in the future, there is no network literature to look up, and all the materials have to be found in the library. Therefore, students in the 1980s have more practical significance in the library, which can be said to be inseparable from.

Although Yang Rui has relevant literature in his mind, there are not many in the 1980s or before, and he has to look up the existing literature about the things involved in his thesis.For a paper, half of the experiment and half of the text, while Yang Rui spent more time in the library.

Fortunately, the librarian has been corroded by the sugar coating, so it's very convenient to go to the library or the periodical reading room.

After a week's quiet writing, Yang Rui almost sent his paper abroad at the speed of one in two days.

He thought that this kind of leisure would last for a long time, but he didn't expect that. He just sent out four papers and met Li Xin in the library.

"Dr. Li? Have you come to Peking University? " Yang Rui had to express surprise. This doctoral student from Donghua University, who once met at Jing Yulan's home, is said to have entered China Silk Corporation. It's really unexpected to meet him in the library of Peking University.

Li Xin also saw Yang Rui and was even more surprised to ask, "aren't you a freshman? How did you get into the library? The management of this library is too lax. "

……