Chapter 3 I want to resell Treasury bills
A crisp slap stunned Su Han, Zhang Lei, and Huang Zheng, Huang Zheng covered his face and glared at Zhou Ming angrily: "You actually dare to hit me?"
Zhou Ming plucked out his ears and smiled, "Yes, who knows?" But now the three of us have seen that you just slapped my hand in the face with you, what should we do?"
My face hit your hand?
Zhou Ming's logic didn't make Huang Zheng go back to his anger all of a sudden, he now regrets that he invited the people from the security department away, and he really didn't expect that he would really dare to do it to himself in the factory.
Huang Zheng was trembling with anger, he stretched out his hand and pointed at Zhou Ming and said, "Okay, you're very good, don't let me know who you are, otherwise I will definitely kill you!"
Zhou Ming's eyelids lifted: "Is it? My unicorn arm can't be controlled again, it seems that I will be hit in the face by you again, what should I do?"
Huang Zheng saw Zhou Ming raise his hand, and hurriedly ran away with a grunt.
Seeing that Huang Zheng was leaving, Su Han thanked Zhou Ming, Zhou Ming waved his hand and said, "It doesn't matter, but Xiaohan, you are too, you don't look for us for such a big thing, don't you treat us as friends?"
Su Han bowed his head and was silent, Zhou Ming said: "Xiao Han, we have no power and no power now, and there is no way to deal with Huang Zheng, but it is not a matter for that guy to find trouble with you every day from the factory security department, or you don't want to open this restaurant, right? Let's find a way to make money first, and when we have money and power in the future, we will find a way to deal with Huang Zheng." ”
Su Han looked at Zhou Ming in a daze and said, "Zhou Ming, you ...... Want to deal with Huang Zheng?"
"Of course," Zhou Ming said as he should, "Xiaohan, you have been bullied, of course I will help you avenge this." ”
"Zhou Ming, thank you," Su Han was very moved, "But what can I do if I don't open a restaurant? Do you do any other business? This doesn't work, Huang Zheng said that no matter what I do, he will come to make trouble, and I borrowed a lot of money from relatives to open a restaurant, and now my younger brother also needs money to go to school, and now I open a restaurant, although he always comes to make trouble, but more or less as long as I save some flowers, I can still save money, if I close the restaurant......"
Although Su Han didn't finish speaking, Zhou Ming also understood what she meant, Zhou Ming said: "That's not necessarily, I have a business here to ensure that you can make the most money in the shortest time, and no matter who you are, you can't make trouble." ”
Su Han blinked a pair of beautiful big eyes and wondered, "Zhou Ming, what business are you going to do?"
"I'm going to resell Treasury bills. Zhou Ming said.
"Reselling Treasury bills?Can this thing also be resold?" Su Han and Zhang Lei's eyes widened suddenly, and their faces were as incredible as if they had seen a god descending to earth.
In fact, it's no wonder that Su Han and Zhang Lei have such expressions, after all, in this era, there are few people who know the value of treasury bills and what treasury bills are, let alone resell. Su Han and Zhang Lei both have treasury bills at home, but they don't know what this thing is for.
In fact, treasury bills are a kind of treasury bonds, which are borrowed by the state to manage the society and the people, and are a kind of government bonds made by the national financial authorities to make up for the imbalance of the treasury revenue and expenditure, which was first made clear by the British in 1877, because the debtor is the state, the guarantee is the country's fiscal revenue, and there is almost no risk of default, so it is the most stable investment channel in the financial market.
However, as a reborn, Zhou Ming knew that treasury bills were extremely profitable, especially at the end of the 8o years, because the interest rate of treasury bonds at this time was much higher than that of later generations, usually about ten percentage points, and even fifteen percentage points.
In fact, the business of reselling treasury bills was the most prosperous at this time, and in Zhou Ming's impression, there was a person in Jiangnan who became a millionaire by reselling treasury bills. You must know that in this era in a relatively remote place like the 76O factory, even 10,000 yuan households can still be commended, and the status of a millionaire is estimated to be not much lower than that of the group CEO who can eat at the same table with the provincial leaders in later generations.
And if you calculate the time, the millionaire's home road should have begun now, but it will take at least one to two years for that wind to be brought up and blown here. And at that time, when people suddenly realized that treasury bills could also be bought and sold to make money, I was afraid that the business here would have already been robbed by themselves.
"Of course you can," Zhou Ming explained to Su Han and Zhang Lei, "You see, if we can have 10,000 yuan of treasury bills in our hands and take them to the bank to exchange them for huàn, we can at least exchange them for 1,000 yuan of interest.
"Yes...... Can the bank change this thing? The factory apportions this thing every year, but I have never seen anyone go to the bank to change money. Zhang Lei said a little worriedly.
Zhou Ming smiled: "It's because they don't know that we can make money! If they all know, how can we make money?"
Su Han understood Zhou Ming's thoughts at this time: "Zhou Ming, are you saying that we can take back the treasury bills at the par value of the treasury bills or even lower, and then go to the bank to redeem them, not only can we exchange the face value of the treasury bills, but we can even get at least 10% interest, right?"
Zhou Ming gave Su Han a thumbs up: "Xiao Han is so smart, she deserves to be the proprietress of Xiao Han Restaurant." ”
Su Han gasped, his eyes were full of shock, because if it was really like what Zhou Ming said, a hundred yuan would earn ten yuan, a thousand yuan would earn a hundred yuan, and ten thousand yuan would make a thousand yuan, and the most important thing was that it would not take much time, it was just a trip to the bank, if ...... If that can be done.
Zhou Ming looked at Su Han and Zhang Lei, of course he understood the doubts of these two friends: "I know you still have suspicions, this is normal, after all, this business is too easy to make money." ”
Zhang Lei nodded desperately, in his opinion, the workers who work in the factory are tired and tired and work for less than 100 yuan a month, even if it is those factory leaders, unless it is some department with a lot of oil and water, it will not be more than 600 yuan a month, now Zhou Ming as long as he has enough principal in his hand, he can earn the salary of the factory leader by running to the bank, how is this possible!
Zhou Ming felt normal about Su Han and Zhang Lei's doubts, after all, the factory had always been in the era of planned economy, and no one had the concept of market economy, let alone financial concepts.
So Zhou Ming said: "It doesn't matter if you don't believe it, hearing is false and seeing is believing, then your family all works in the factory, so you should also have treasury bills at home, right?"
Su Han immediately understood Zhou Ming's plan: "Zhou Ming, do you want us to take the treasury bills to the bank to exchange them first?"
"Yes, anyway, the county bank is only half an hour away from the factory. Zhou Ming said.
"Well, I remember my brother-in-law had a lot of them, and my sister complained to me every day that this thing couldn't be used in the factory all day! Zhang Lei said.
Zhou Mingen sighed and said: "Okay, but remember that you must not tell others about this matter, because once others know, we will not be able to make money, understand?"
"Got it. Zhang Lei said.
......
In this era, banks are not as ubiquitous as in later generations, so there is no bank here in the 76O factory, and it is necessary to go to Nanhui County, but fortunately, the 76O factory is not far from the county, and Zhou Ming and they walked for half an hour to arrive.
Zhou Ming, Su Han and Zhang Lei came to the gate of the Agricultural Bank of Nanhui County with their respective treasury bills, Su Han looked at the police station not far away, and couldn't help but be a little worried: "Zhou Ming, are you sure that this treasury bill can really be exchanged for money? If not, will the bank call the police and arrest us?"
"How could it be? Treasury bills were originally borrowed from us by the state, and we are the creditors of the state, so it is only natural for us to ask the state to repay the money. ”
Zhou Ming took the lead in walking into the Agricultural Bank of China as he spoke, leaving only Su Han and Zhang Lei stunned there, because what Zhou Ming said just now had completely out of their cognition, for them, the country should be high above and omnipotent, and all the money they use is also the state, how can the country still be short of money? If there is a shortage of money and more banknotes, how can they still borrow money from the people?
Walking into the Agricultural Bank, Zhou Ming lined up and came to the counter, handed the treasury bills of the three people in, and said, "Hello eldest sister, I'm here to redeem huàn treasury bills." ”
Seeing that the eldest sister inside took Zhou Ming's treasury bills, Su Han and Zhang Lei's hearts jumped to their throats all of a sudden, and they stared nervously at it, for fear that the eldest sister would throw out those treasury bills and angrily accuse themselves of messing around, but the next scene shocked them, only to see that the eldest sister inside counted the treasury bills carefully, and then took the calculator to calculate it before saying to Zhou Ming: "Your treasury bills are a total of 300 yuan, including 100 yuan for three years, 200 yuan for five years, and a total of 468 yuan and two cents for principal and interest." ”
Regarding the number reported by the eldest sister, Zhou Ming nodded, this is similar to the result calculated by himself, Zhou Ming took the money handed by the eldest sister, and took Su Han and Zhang Lei out of the Agricultural Bank.
"How is it? Now you believe that this treasury bill can be exchanged for money, right?" Zhou Mingyang said to Su Han and Zhang Lei with the brand new money in his hand.
Zhang Lei looked at the money in Zhou Ming's hand blankly and muttered: "My God, this thing can really be exchanged for money? And it can be exchanged for so much, obediently, it has caught up with my salary for almost two months." ”
Su Han jumped up with joy and said to Zhou Ming excitedly: "Zhou Ming, you are really amazing! How did you know that this treasury bill can be exchanged for money?"
"Xiaohan, have you forgotten that I majored in economics in college?" Zhou Ming said.
"I see, Zhou Ming, you are a college student, but it's different, you're too smart, we can't compare to you. Su Han said, "Then let's go back and collect treasury bills now, right? I know that many people in our factory have treasury bills that are useless at home!"
Zhou Ming said: "Don't worry, we don't have any money in our hands now, and we can't collect much, and once this matter is known by others, we will have no money to make." ”
Su Han thought that it was indeed Zhou Ming's truth: "Then what should we do?
"We don't have any money, but there are always people who have money, and that's why I have to call Da Zhuang out, because because of his brother-in-law, he knows where to borrow from loan sharks. Zhou Ming said.
"Zhou Ming, you want to borrow usury to collect treasury bills!" Su Han and Zhang Lei were so shocked that they couldn't speak.
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