Chapter 55 Lying in the Bank and Eating Interest!
The wheels of the old-fashioned green-skinned train have been moving at their own pace, Jia Lei is sitting by the window in a daze, and Fan Ping'an is playing poker in the box with four guns and plainclothes.
There were so many bags of marijuana piled up on the floor in the box that almost all the space was piled up, and you could tell from the mouth of the untied sack that it was full of money.
"What do you want to eat at noon?" Fan Ping'an walked over and asked, Jia Lei glanced at him listlessly.
"I can eat anything, but I don't eat porridge or soup. After Jia Lei finished speaking, he shook his left leg in a plaster cast.
Fan Ping'an knew that Jia Lei didn't want to trouble others and always took him to the toilet.
"How can you do it without drinking water? You've only drunk a glass of water today, and I'll ask you for a seaweed egg drop soup later." Fan Ping'an said guiltily.
Jia Lei followed Fan Ping'an to Hong Kong Island, but he went in vertically and came out in a wheelchair, although Jia Lei's injuries were not as serious as being in a wheelchair, but Mrs. Fan and Fan Ping'an let him use a wheelchair, especially Fan Ping'an's application to go back directly to the investigation team after that.
Jia Lei feels that the only advantage of being in a wheelchair is that he can finally sell the stocks in his hand justifiably.
"Everyone also saw that my leg was broken, and the old man at home didn't worry about letting me go back to Mingzhu City immediately! So I decided to sell the stocks in my hand!" Jia Lei deliberately asked the little Jew to push himself in a wheelchair to walk around the circle and said, everyone was not surprised by Jia Lei's decision to sell stocks.
It's a pity that Jia Lei's stock is too much, and it won't be sold out for a while, Jia Lei sold so many days to sell one-third, and it just so happened that Little Jew didn't plan to leave with him, so Jia Lei entrusted the rest of the stock to Little Jew to sell.
Jia Lei and Fan Ping'an were not members of the investigation team in the first place, and they could leave at any time after explaining the source of the stock at the beginning, so Jia Lei was able to buy a house in Wenjia Village and move out to live.
It's a pity that Jia Lei broke his bones! Fan Ping'an had to give up his hard-won opportunity to fight and become a nanny and bodyguard for Jia Lei.
Jia Lei brought more than 10 million cash back this time, and Fan Ping'an had to borrow people and weapons from the army again, of course, Jia Lei borrowed him in vain to buy two big fat pigs and sent them to the troops.
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Jia Lei didn't expect that someone was waiting for him before others arrived in Mingzhu City, and as soon as the train entered the station, Jia Lei saw an acquaintance.
"Boss Jia is back, does it matter if you want your legs? I know an old Chinese medicine doctor who specializes in looking at injuries and injuries, and I can introduce her to Li. Director Huang Shuyou of the People's Bank of China came up and asked with concern.
"Director Huang, why are you here?" Jia Lei asked strangely.
"It was Mayor Zhao who told me that you came back today, I heard that you came back with a lot of money, so I called a few employees to help you move the money, and we also drove a truck to help you pull the money to the bank. Director Huang said enthusiastically, and Jia Lei looked behind him, and sure enough, there were two bank employees pushing a trolley waiting there.
Jia Lei agreed without much thought, it was absolutely impossible for him to put so much money in his own home.
"Report to the chief that the things have been unloaded from the car, where are you going to send them!" The plainclothes soldier ran over to ask Fan Ping'an, who glanced at Jia Lei hesitantly.
"Just send it to the People's Bank of China! Anyway, it's the same everywhere in the bank. Jia Lei said indifferently, but he had acquaintances in the People's Bank of China.
Director Huang's footsteps paused slightly, and then continued to walk casually.
****
"Wait, don't touch the money in this bag yet!" Jia Lei suddenly said when he went to the bank to count the money, but unfortunately it was too late for the dollar green to be revealed.
"There are actually US dollars!" said Director Huang in surprise.
"I don't want to save this!" Jia Lei said with a little embarrassment.
"Xiao Jia, this is not right, the state has regulations that individuals are not allowed to hold foreign exchange! All foreign exchange must be handed over to the state to exchange for foreign exchange rolls before you can buy things at the friendship store, so that it can be circulated. Director Huang said.
Jia Lei was distressed to death, although foreign exchange is very common in Pengcheng, but the mainland rarely sees foreign exchange, in 1990, the black market foreign exchange speculation people are called more, and the dollar is in short supply.
"But I don't want to buy anything, I want to keep the money at home as a wife. Jia Lei said shamelessly, but he remembered that as soon as the Soviet Union collapsed, the dollar began to rise, and the exchange rate rose by at least 30%.
You don't know that our bank has opened a new foreign exchange deposit business, and when you deposit US dollars, they will still be US dollars when you withdraw them, and the interest rate on foreign exchange deposits is very high. Director Huang hurriedly said.
If this is changed, if the bank employees are replaced, they can directly deduct the money and exchange it for foreign exchange rolls to depositors according to regulations, but Jia Lei is not an ordinary person! Director Huang can only do it in a tactful way, and you must know that all banks have the task of soliciting foreign exchange reserves.
"The interest rate is very high! How high?" Jia Lei asked curiously.
"The interest rate on personal dollar demand deposits is 2.0000%, the interest rate on time deposits over three months is 6.7500%, the interest rate on deposits over six months is 6.8125%, and the interest rate on time deposits over two years is as high as 7.4375%! If you convert it into unit deposits, the interest rate on three-month time deposits is 6.5000%, the interest rate on one-year deposits is 6.6878%, and the interest rate on deposits over two years is 7.1875. You see that the interest rate is so high, how appropriate it is for you to keep your money with us!" Director Huang was puzzled, Jia Lei's jaw had already dropped.
"Dasha, you hand me the bag of Adidas you are holding!" Jia Lei said suddenly, and Dasha put the bag on Jia Lei's lap.
"The interest rate of the US dollar is so high, what about the British pound and the Hong Kong dollar?" Jia Lei grabbed his bag and asked nervously.
"The interest rate on demand deposits in the British pound and Hong Kong dollars is the same as that of the US dollar, but the interest rate on time deposits of more than three months is 11.3750%, and the interest rate on deposits of more than two years is 12.0625%. If you convert it to a unit deposit, the three-month interest rate will start from 11.1250%, but the two-year interest rate of the unit time deposit is not as high as that of an individual, only 11.8175%. Director Huang stopped drinking and continued.
"The Hong Kong dollar is issued dependent on the British pound, and the exchange rate of the Hong Kong dollar is also quite high, with a personal deposit rate of 6.7500% for three months, 7.0000% for six months, 7.7500% for one year, 8.2500% for two years, and 6.2500% for three months and 7.2500% for one year. It's pretty tall anyway!" said Director Huang.
"Why is the interest rate higher for the pound than the dollar?" asked Jia Lei confusedly.
"Of course, it's because the British Commonwealth is the largest economy in the world! The United States has many colonies, prosperous economies, and a high international status, and more than half of the countries in the world accept pounds in international trade. Director Huang explained.
"Hey, the Commonwealth, why don't I have an impression?" Jia Lei said suspiciously, he began to carefully recall when this organization was dissolved, but Jia Lei did not find an impression of the Commonwealth in his mind.
Jia Lei didn't know that this Commonwealth actually existed in name - that's right, it existed in name only, all the colonies under the Commonwealth declared independence in the nineties, including the three Arab countries, but unlike the collapse of the Soviet Union, the United States actually agreed to be independent, as long as the colonies of the Commonwealth still promised to be loyal to Her Majesty, independence was allowed!
At that time, the United States was still the overlord of the sea, and the younger brothers did not dare to really make a move with the United States, so they promised to remain loyal to Her Majesty, so this Commonwealth did not actually disintegrate.
Hong Kong Island also returned together at this time, and if there were not so many precedents, the return of Hong Kong Island would have been even more difficult!
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"I seem to have a heart attack?" Jia Lei said while covering his beating heart, he was not sick, but his wife was too excited.
Because of the special geographical location and the fact that Pengcheng is now in Asia's largest bull market, there are many currencies and speculators in Pengcheng, such as Bianxia, who came from Wanwan and M people are all US dollars, and Hong Kong Island people mostly use British pounds and Hong Kong dollars.
Jia Leitu's foreign currency denomination is large and small, and it is easy to carry, and when he came back this time, he exchanged 1 million pounds and 1 million Hong Kong dollars for emergency use. And the dollar on the ground is less than 500,000 yuan from the recent sale of stocks in pieces.
"I want to deposit foreign exchange! Both the pound and the Hong Kong dollar will be deposited for three months, and the dollar will survive!" Jia Lei gritted his teeth and said.
Although Jia Lei knew that he could make more money if he used the money to speculate in stocks, his wish in his previous life could finally be achieved, so why should Jia Lei give it a try!
Medically speaking, this is called compensation mental!
In his previous life, he always heard that the second generation of a certain outbreakout family lay at home every day to eat interest and didn't have to do anything, and this time Jia Lei always tried it!
Jia Lei opened the bag in his hand, revealing the pounds and Hong Kong dollars in the bag, and all the bank employees were overjoyed!
We are one step closer to this year's foreign exchange reserve task! Director Huang is doing a good job!
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"What is the interest on RMB?" Jia Lei asked as he thought about going out.
"The interest rate on demand deposits is 2.88%, 6.30% for three-month deposits, 7.74% for six months, 10,08% for one year, 11.88% for three years, and 13.68% for five years. You have so much money now, why do you want to save money for a lifetime? If you save for five years, you won't have to do anything in five years, and you will be able to get more than six million yuan in interest!" Director Huang persuaded, and Jia Lei really wanted to agree to him in an instant.
"Hiss!" Jia Lei bit his tongue fiercely and pulled himself out of the temptation of unearned gains.
You must know that the days when it is so easy to make money are only before the tide of layoffs comes, and it has been several years since the collapse of the Soviet Union, and if you grit your teeth and work hard for three or five years, you will not have to worry about it for the rest of your life!