Rebirth of the God-level Xueba

Yang Rui, a big customer, has been greedy by the bank director for a long time.

He insisted not to buy treasury bonds. The director of the bank could not do anything about it, but loans were also an excellent monetization strategy. Seeing that Yang Rui was really interested, the director immediately introduced him with all his might and invited again: "Let’s sit back and talk. It’s cold outside. My tongue freezes when I speak."

　　 Yang Rui laughed and said, "Just talk in the room, not going in."

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

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

　　 After running, Xiao Chen moved chairs and small tables, re-made tea, and brought melon seed snacks. It surprised the two or three citizens who came in occasionally. I wonder if the bank has such a humane side.

　　Yang Rui and the director of the bank gradually became enthusiastic about the conversation.

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

　　 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.

　　 The current loans are all planned loans. When a state-owned enterprise needs a loan, it will ask the bank or the local government. If the former agrees, it will be agreed, and if it does not agree, it will be coordinated by the local government. In order to reduce the burden on their own enterprises, the latter tend to lower the loan interest rate. Low-interest loans of 3% or 2% are common in this period.

In fact, by the end of the 1980s, many companies made clear that they were going to die. Banks continued to make loans so that they could pay workers wages. Such policy-based loans, let alone recoup interest, have all their principals. It is a bad debt that is destined to be uncollected, but when necessary, the bank still has to lend out.

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

　　 A place like the Tsinghua branch of the People's Bank of China, nowadays there are not too many large enterprises around, so it is more difficult to cross-district loans.

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

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

　　 And if you look at it 30 years later, it’s fun enough to borrow chickens to lay eggs. You don’t care whether chicken fat is fat.

　　 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 have a chat and dinner. Shi Gui was called out to accompany the guests with a simple sugar-coated cannonball.

Shi Gui, who was attending a banquet in the crown car, was shocked when he heard about a loan of 350,000 yuan, but he said: "The annual interest rate is 5 percent, and the annual interest rate is not about 20,000 yuan. ?"

　　Yang Rui asked, "As long as you give 20,000 yuan a year, 350,000 yuan will be used for you. You still can't make 20,000 yuan a year?"

　　 "It's supposed to be earned, but it's not easy to say, if you can't make it, then, what shall we give to others." Shi Gui was in a moody mood, and the comfortable Crown car seemed uncomfortable.

　　Yang Rui sighed and said, "When you were in Hedong, didn't you make 20,000 yuan a year? These 350,000 yuan, you can use it if you can use it, and temporarily store it if you can't use it. You won't lose money..."

　　 "Why don't you suffer? 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 grab it too."

　　 "Buy?"

　　 "Buying things, you are right, temporarily saving it is not enough." Yang Rui paused, and then said: "Crisis is also an opportunity. If it weren't for the over-issue of currency, we wouldn't be able to borrow so much money."

In October 1984, China will usher in the first panic buying trend since the reform and opening up. Retail prices will rise by 28.8%. According to a familiar explanation, if the original price of pork is 12 yuan, the price after the increase will be 16 yuan. Yuan, all the daily necessities and daily necessities have risen in price like this, the impact can be imagined.

　　 Of course, panic buying and inflation do not 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 currency is issued in excess-the currency in circulation across the country has therefore increased by 50%. In this mandatory taxation similar to that of treasures During the event, the Chinese people who have managed to save some money naturally have to take various measures to defend their wealth.

　　 panic buying also happened indispensably.

　　 The country’s over-issued currency must be spent at this time. Bank loans are a major channel.

　　 It can be said that from 1982 to 1983 until the middle of 1984, banks at all levels were scratching their heads for loans, and Yang Rui had the opportunity to obtain loans because of this.

　　 At the end of the year, after the central government discovers the scourge of excessive currency issuance, it will find ways to get the bank to withdraw funds. At that time, it will naturally be a different situation.

Shi Gui didn’t have Yang Rui’s foresight, and he was still worried. However, he finally trusted Yang Rui’s judgment. After waiting, he said, “That’s good, we can get the printing factory out first if we have the money. We can buy a few more machines first, and store more printing paper. I originally planned to start a publishing house in a small way. This is because the plan cannot keep up with the changes."

　　 "Scaling is a good thing. We are still a primary industrial country. A larger scale can compete with pirates."

　　 "Yes, piracy is always a problem." The publisher Shi Gui shook his head.

"You can find a way to apply for another magazine. We can make the magazine and the publication interact. They are both for the student market, with different solutions, the same type of questions, and the latest information of our publications. Well, you can also use it in various places. Run lectures for well-known teachers..." Yang Rui randomly selected two of the later market methods for postgraduate entrance examinations, and Shi Gui's eyes were shining when he listened.

　　 The piracy in the 1980s was mostly a 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, postgraduate entrance examination institutions after 2000 are still facing the threat of the network ecology. At that time, 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 at this time the authors 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 there were no professional publishers to compete.

　　 Shi Gui finally survived the heavy pressure of an annual interest of 20,000 yuan, and when he saw the director of the student office invited by Yang Rui, he already had some bossy style.

　　 There are 350,000 yuan close to him, and he shows his style even if he has no style.

　　Yang Rui circled around the table, only as if he was an introducer, he left after eating hard, leaving Shi Gui to discuss the details with them.

　　 Yang Rui returned to the laboratory to continue his experiments and write papers.

His interest in molecular mechanism itself is general, and he does not intend to study in depth. Human 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. In addition to basic academics, great Part of the route can only be tasted.

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

　　 After 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 laboratory conditions could not complete the experiment, and he worried that the number of papers and the speed of his experiments exceeded that of ordinary people.

　　 But in Peking University, this place was originally more than 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, normality here itself is supernormal.

　　 As far as Yang Rui knows, there have been cases where juniors have published four papers in one month, and in the world, there are many madmen who have published hundreds of papers a year and thousands of papers in ten years.

　　 Three one-day papers are actually no different from writing homework and writing experimental reports. Even as a boss, it is quite difficult for him to be driven by multiple experimenters.

　　 Because Yang Rui omitted the most difficult step of designing an experimental plan, he always did multiple experiments in one go, seldom taking into account the ideas of others.

　　 Of course, there are not many people 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 experiment he is doing or what step he is doing.

Yang Rui even did several experiments. Unless he gave the results of the experiment himself~www.readwn.com~, everyone regarded it as repeated experiments of one experiment. Even Sun Ruyue, who was an experimental assistant, couldn’t figure it out. I also asked Yang Rui: "Will it be too wasteful if we even do so many experiments."

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

　　 Now it is no better than in the future. There is no online literature to find, and all the materials are found in the library. Therefore, the students in the 1980s have more practical significance in the library, which can be said to be inseparable.

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

　　 For a paper, the experiment counts as half, and the text counts as half, and Yang Rui spends more time in the library.

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

　　 wrote a week of essays quietly, and Yang Rui sent the papers abroad almost every two days.

　　 He thought that this leisurely life would last for a long time, but he didn't expect it, so he sent four papers out, and unexpectedly ran into 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, supposedly entered the China Silk Corporation, met in the library of Peking University, which is really unexpected.

　　 Li Xin also saw Yang Rui at a glance, and was even more surprised: "You are not just a freshman? Why did you enter the library? The management of the library is too lax."