Yang Rui, a big customer, the director of the bank has been coveted for a long time.

He insisted on not buying treasury bonds, and the director of the bank had no choice, but loans were also an excellent monetization strategy, seeing that Yang Rui was indeed interested, the director immediately tried his best to introduce it, and re-invited: "Let's sit back and talk, it's cold outside, and my tongue is frozen when I speak." ”

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

"Good. Xiao Chen, pour the tea. The director brought Yang Rui into the branch office again, and the two asked for a chair 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 moved chairs and small tables back and forth, re-brewed tea, and brought melon seeds and snacks, which surprised the two or three small citizens who occasionally came in, not knowing that the bank still had such a humane side.

Yang Rui and the director of the bank gradually started to talk.

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

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

At present, the loans are all planned loans, and when state-owned enterprises need loans, they will propose them to banks or local governments, and the former will agree to them, and the local governments will coordinate if they do not agree. In order to reduce the burden on their own enterprises, the latter tend to lower the interest rate on loans, and low-interest loans of 3% or 2% are generally saved during this period.

In fact, by the end of the 80s, many enterprises were clearly dying, and banks were still lending money so that they could pay wages to workers.

Healthy loans are rare at this time, and there are many banks rushing to lend, and some banks are also competing within themselves.

For example, in places like the Tsinghua branch of the People's Bank of China, there are not too many large enterprises around, and it is more difficult to run loans across districts.

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

Yang Rui is happy that he has received the loan, although it is not as exaggerated as the interest-free loan that his cousin got before, but the 5% interest is not much. In fact, the interest on fixed deposits is now more than 5%, that is to say, you can make a small amount of money by taking out a loan with 5% interest and transferring it to the bank.

And if you look at it from the perspective of 30 years later, it is happy enough to be able to borrow chickens to lay eggs, and you don't care if the chickens are fat or not.

Leaving the bank, Yang Rui asked Tang Zhong and Wang Yaping for help, and asked the leaders of the student office to go to the Beijing Hotel to chat and eat.

Shi Gui, who was sitting in the crown car for the banquet, heard the loan of 350,000 yuan, but he was frightened, and said: "The annual interest rate of five percent, isn't the annual interest of 20,000 yuan?"

Yang Rui asked rhetorically: "As long as you give 20,000 yuan a year, 350,000 yuan will be used by you, and you can't earn 20,000 yuan a year?"

"It is said that you can earn it, but it's not easy to say, if you can't earn it, when the time comes, what will we give to others. Shi Gui's mood was uncertain, and the comfortable crown car didn't seem to be comfortable.

Yang Rui sighed and said, "When you were in Hedong, couldn't you earn 20,000 yuan a year? These 350,000 yuan, you can use it, and if you can't use it, you can temporarily store it, and you won't suffer a loss......

"How can you not suffer a loss, you don't know that the market is saying that prices are going to rise. Shi Gui rarely refuted Yang Rui.

Yang Rui smiled bitterly: "Why don't I know, it's really not good, let's buy it too." ”

"Snap up?"

"Buying things, you're right, you can't store them temporarily. Yang Rui paused for a moment and said: "The crisis is also an opportunity, if it weren't for the over-issuance of currency, we wouldn't be able to borrow so much money." ”

In October 1984, China was set to usher in the first panic buying spree since the reform and opening up, with retail prices rising by 28. 8%, with the familiar explanation of the world, if the original price of pork is 12 yuan, the price after the increase will be 16 yuan, and all daily necessities and daily necessities have risen in price, and the impact can be imagined.

Of course, panic buying and inflation don't happen in a day. Since 1982, China has entered a period of rapid growth, and in order to meet economic development and make up for the fiscal deficit, the central government has issued an excess of currency, which has increased the amount of currency in circulation by 50 percent.

Panic buying is essential.

At this time, the country's over-issued currency should also be spent in a way that is spent, and bank loans are the main channel.

It can be said that from 82 to 83 to the middle of 84, banks at all levels were scratching their heads for loans, and Yang Rui had the opportunity to get loans because of this.

At the end of the year, after the central government discovers the scourge of over-issuance of currency, it will try to get the banks to withdraw funds, and at that time, it will naturally be a different situation.

Shi Gui didn't have Yang Rui's foresight, and he was still worried, but he finally trusted Yang Rui's judgment, waited and waited, and said: "That's good, we can get the printing house out first when we have the money, we can buy a few more machines first, and then reserve more printing paper, I originally planned to start a publishing house with a small fuss, but this plan can't catch up with the changes." ”

"Large-scale is a good thing, we are still a primary industrial country, and a larger scale is the only way to compete with pirates. ”

"Yes, piracy is always a problem. Publisher Shi Gui shook his head vigorously.

"You can find a way to apply for another magazine, we can make the magazine and publications interact, they are all student markets, different solutions, the same type of questions, and the latest information of our publications, well, you can also run lecture classes for well-known teachers in various places...... "Yang Rui randomly selected two of the later generations of postgraduate examination market methods, and Shi Gui's eyes lit up when he listened.

Most of the piracy in the 80s was a small fight like a family workshop, which was similar to what Yang Rui and others did when they were in the Ruixue group, and such pirates had no ecological chain, and naturally it was difficult to compete with the Xinhua bookstore system.

In contrast, after 2000, graduate school institutions were still facing the threat of network ecology, and at that time, graduate school institutions could find a reasonable business model, and the student market in the 80s was even more promising.

In fact, in this era, some famous textbooks have been sold to millions, but the authors at this time do not receive much money, which makes the market ecosystem shrink for a while.

And in the 80s, the college entrance examination was more important than the graduate examination and the civil service examination combined, but there were no professional publishing houses to compete.

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

has 350,000 yuan by his side, and there is no panache and there is no panache.

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 real yàn room to continue to do real yàn and write papers.

His interest in the molecular mechanism itself is average, and he does not want to study it in depth, people's energy is limited, especially academic things, even if it is a fork in the road, it is enough for a person to walk for a lifetime, except for basic academics, most of the routes, can only be tasted at a superficial level.

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

When he arrived at Peking University, Yang Rui's horizons also broadened.

When he was in Xibao Middle School, Yang Rui was always worried that the conditions in the real room could not be completed, and he was even more worried that the number of papers and the speed of his real life exceeded that of ordinary people.

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

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

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

Three one-day papers, in fact, are no different from writing homework realistic reports, even if you are a boss and have multiple real yàn members under your command to drive, it is quite difficult.

Because Yang Rui omitted the most difficult step of designing a practical plan, he always made multiple practical solutions in one go, and rarely took into account the ideas of others.

Of course, in fact, not many people are staring at him, except for some people who are curious about how Yang Rui got the 2,000 yuan project funding, everyone doesn't know what he is doing, or what step he has done.

Yang Rui even made several real yàn, unless he gave the real yàn result himself, otherwise, everyone deserved to be a real yàn of several repeated real yàn, and even Sun Ruyue, who was the assistant of the real yàn, couldn't figure it out, and asked Yang Rui: "Let's even do so many real yàn, will it be too wasteful." ”

Yang Rui didn't explain much, collected a few jù, and went straight to the library to write a paper.

Now than in the future, there is no online literature to check, and you have to find materials in the library, so the students in the 80s have more practical significance in the library, which can be said to be inseparable.

Although Yang Rui has relevant literature in his mind, there are not many in the 80s or before, and he has to check the existing literature for what his paper relates.

For a paper, half of the actual yàn is counted, and half of the text is counted, and Yang Rui spends more time soaking in the library tube.

Fortunately, the librarian has been sugar-coated and it is convenient to go to the stacks or the journal reading room.

Quietly wrote the paper for a week, and Yang Rui sent the paper abroad at a rate of almost one paper in two days.

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

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

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." ”

……