"Trouble saving money. Yang Rui put the finished paper bag on the bank counter.

This is a branch of the People's Bank of China adjacent to Tsinghua University. After 2000, the personal online stores and business of the People's Bank of China have shrunk, and many people will go to the People's Bank of China to check their credit, and even no longer have direct business contact with them, but in 83 years, the People's Bank of China is still the well-deserved hegemon of China's banking industry, with large and small online stores all over the country.

Although it is a relatively busy outlet, the basic conditions of the bank are very ordinary, in addition to the courtyard of the **, the structure of the single-story bungalow and small windows makes the room quite dim, Jing Yulan is too lazy to go in, stopped the bicycle, leaned against a nearby tree, and took out the French word book he had with him boredly and memorized it.

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

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

Just as men have fewer opportunities to see beautiful women, women don't have many opportunities to meet handsome guys. In the 80s without plastic surgery and makeup, there were very few people who were handsome to Yang Rui.

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

"Save money and open another account for me. ”

"Okay, wait a minute. After hearing what to do, Hao Yu buried his head in writing the passbook.

Because there is no computer office yet, printers and other things are rare, so the passbook used as a deposit certificate is all 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 the loans are pitiful, let alone others.

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

"Yang Rui, Mu Yi Yang, 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, pointed to the upper left corner and said: "This number is your account number, you have to remember, if you report loss or something, you will be asked to check the account number and your name, how much do you want to save?"

"Twenty thousand yuan. Yang Rui took out 10,000 yuan earlier, stuffed it into his bag, and didn't take it out.

"Two yuan?" Hao Yu automatically corrected Yang Rui's words, and asked: "Do you want to do a lump sum withdrawal? Fractional deposit and lump sum withdrawal means that you save two yuan every month, and when it comes to a year, the bank will calculate the interest for you at 24 yuan for a year, which is very cost-effective." ”

It can be said that it is the most cost-effective way to manage money in the 80s, it is equivalent to a reverse installment business, which is equivalent to the bank to do installments to individuals, even if the money saved in the last month, you can also enjoy the annual fixed deposit interest, which 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 common in banks at this time.

The salary of ordinary workers is thirty or forty yuan, and fifty yuan is considered high, and there is not much left over from this money, and even fewer are willing to save.

In fact, in the 80s, people were more people who didn't have money to deposit, so the banks were empty, and even if the business was done slowly, there were still few queues.

However, Yang Rui had to correct: "It's a deposit of 20,000 yuan." ”

It's not easy for him to take this money back to the dormitory, and he carries too much with him, because they are all ten-yuan bills, 1,000 yuan is a thick stack, and 20,000 yuan is 20 stacks, in terms of thickness, it is the same as the 200,000 yuan in later generations, but the value is completely different.

As far as salary is concerned, 20,000 yuan is the salary of ordinary civil servants for 30 years, and in terms of disposable funds, this amount of money is outrageous.

A dual-income family, deducting the necessary water, electricity, food and other expenses a month, the average monthly deposit does not exceed 20 yuan, and only 200 yuan a year, according to the current salary level, it takes 100 years to save 20,000 yuan.

If it is a single-income family, there is basically no need to save money, and it is already considered a thrifty family to live up to its assets.

Most of the people who deposited so much money in the bank were units rather than individuals, and Hao Yu was also a little annoyed, and said: "You didn't say that you are a unit, did you bring the official seal? ”

"I'm not a unit in the first place. Yang Rui smiled bitterly.

"Personal deposits?"

"Yes. ”

"Then how can you have 20,000 yuan. Hao Yu didn't need to do any psychological construction, so he asked.

By 20 years from now, people will have a basic ** concept. But in the '80s, people were still saying in a mocking tone, "You can't ask a man about his income or a woman's age in a foreign country, you know?"

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

So Hao Yu was asked, and he had to shout "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 save money and have a serious income, do you want to report or something." ”

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

According to the law, self-employed are illegal, but so what, where will there be no self-employed people in the motherland now?

Although there are not many self-employed people in the vicinity of the branch, few people save money - these people are used to using cash and carrying cash bags on their backs to buy goods.

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

Hao Yu lowered his head aggrievedly, unable to argue.

The director stared at Hao Yu and handed it to Yang Rui, and said, "Mr. Yang, in fact, it is the least cost-effective to save money into a current account, and the regular interest is much higher." ”

"I don't know when I'm going to use the money. ”

"If you need money urgently, you can cancel the fixed-term interest, of course, this will lose the regular interest, but it is the same as the current interest, do not suffer a loss, if you don't use it at that time, the interest can be a lot. Moreover, you can also divide the money into several accounts, such as 1,000 yuan an account, 2,000 yuan an account, 5,000 yuan and another account, when the time comes, according to the amount of money you want to use to cancel the regular account, so that only the interest of one account is lost, and the interest of other accounts is also calculated on a regular basis, we now have a one-year interest of 6%, that is, save 10,000 yuan, a year of interest of 600 yuan, 20,000 yuan of interest is 1,200 yuan, a lot. The director of the bank crackled, and Yang Rui was blinded on the spot.

Hao Yu behind the counter looked at Yang Rui with a little taste, even if her skin is better than that of women, she is about the same age as herself, but she has so much money, 600 yuan is more than her salary in a year, and 1200 yuan is even more nonsense.

She looked at Yang Rui and thought: If I have 20,000 yuan, I will resign if I deposit it in the bank, and it will be enough to spend interest every month.

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

The director of the bank was not discouraged, and made persistent efforts: "If you think that the regular term is not cost-effective, in fact, there is a high-interest treasury bond! You know, this is not only a dedication to the country, in fact, the income is also considerable, of course, the time is 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 carrying out the bank's financial marketing in the 80s.

Treasury bonds were the only wealth management products of banks in the 80s, and since the window for buying and selling treasury bonds had not yet been opened, theoretically, treasury bonds could only be redeemed after 30 years of holding.

China's first batch of treasury bonds, almost all of them are forcibly apportioned, and some employees will receive a part of the treasury bonds when they get their salaries, of course, more is the promotion and help between relatives and friends.

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

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

However, he didn't guess that Yang Rui had faced too many dedicated bank wealth managers.

Regardless of the director's kind attitude and broken his lips, Yang Rui did not waver in the slightest.

When Yang Rui left the bank, the director was angry and said, "Hao Yu, Hao Yu, what do you want me to say about you? Such a good opportunity almost made your good things turn bad, so you can't change good things into good things? No, this customer, you have to find a way to get it back." ”

"How...... How to snatch it back?" Hao Yu was dumbfounded.

"He can't save money and won't come, right? We still have tens of thousands of yuan of treasury bonds that haven't been sold this year, and if you find a way to sell them, if you can't sell them, you can only distribute them 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 under the task, the branch to receive the task, the branch to complete the task, the task layer by layer, and finally assigned to the person, can complete the natural bonus, can not complete the do not want to bonus can not work, must eat the task themselves, or find relatives and friends to help, and then take the bonus home.

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

……

Beiyuan Family Area.

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

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

But in the big picture, I am very happy to be able to get a house, not to mention a building with a bathroom, a kitchen, and a balcony.

If you classify the houses in the country today, and put the name of the luxury private mansion on this three-story small building, it will bury this red brick house a little.

In the huge community, you can see men and women who have been divided into new houses everywhere.

A higher university like Beijing Normal University is a little better, although not everyone has a building to live in, but the school is not short of land, it is not difficult to build some courtyards and bungalows, or simple buildings, and it can always solve the housing problem of faculty and staff, but in some lower-level schools, such as secondary and higher vocational schools, or junior colleges, the housing problem is very serious.

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

Beijing Normal University is a relatively powerful organization, and it can guarantee the solution of the housing problem of the workers and workers, and partially solve the building problem, while the junior college and technical secondary school are weak organizations in Beijing, and it can only be said that they can do their best to solve the housing problem of the workers and solve the building problem in a small amount.

This is actually a very effective social structure for city dwellers.

A single dog can't find a wife?The organization helps you introduce you to a partner, and engages in group blind dates, and later the army and large institutions still maintain similar traditions, but they are infinitely weakened. If the level is higher and the position is more important, the organization will also send political commissars and the like to help you solve marriage problems with an incorruptible tongue, such as the famous academician Chen Jingrun, who entered the palace of marriage with the help of the organization.

If you have an organization, you don't have to worry about getting married, no matter whether your parents help or not, as long as you find an organization, there will always be someone to help. Large organizations have trade unions, in addition to distributing apples, their main job is to help employees prepare weddings and funerals, small organizations and trade unions are small, then all come to help, regardless of whether the relationship is good or bad, this is also the tradition of the Chinese.

The house that Jing Yulan was assigned this time was built by the Ministry of Education, and it was distributed to each subordinate school in proportion, such as Beijing Normal University, which was directly under the university, and the queen mother and illegitimate children were given a little less.

But in Yang Rui's point of view, in addition to the design is a little behind, the materials are a little worse, such a house is still very good, next to the good, here is first of all adjacent to Beijing Normal University, Tsinghua University and Peking University senior school district housing, live until 2015, a flat sold for 80,000 yuan, immediately 5 million to hand, more direct than winning the lottery.

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

Jing Yulan said with a smile: "You don't know how long you can borrow this house, and you can decorate it." ”

"I don't live, maybe you still have to live, it's well installed, it's comfortable. Yang Rui replied naturally.

Jing Yulan only felt a warmth in her heart, and there was an inexplicable love swimming in her chest.

……