Chapter 002 Hanzhou Commercial Bank
On the dining table are leftover cold rice from lunch.
Rushed into the room and pried open the drawers, and found the father's passbook, seal and household registration book, and wiped a handful of sweat.
The passbook that needs to be replaced soon has a detailed record of deposits and withdrawals.
The first few pages are only a few dozen, and the most are only a hundred.
And the last two, one is 20,000 and the other is 90,000.
The first one was borrowed by my father from my uncle, and the one in the back was borrowed by my mother from my uncle's house.
In 94, the borrowed 110,000 yuan was a huge amount of money for any ordinary family.
The wages of workers in 94 years are more than 300 heads a month.
The newly graduated college students are only more than 200 yuan, and Fu Zhengyi's mother, Zheng Yufen, who retired from illness, only has 160 yuan, and although his father, who opened a snack bar, is much better than being a worker, he is only making a thousand yuan a month from morning to night.
150,000 whole!
That's all there is to the last number on the passbook.
In Hanzhou in 94 years, it is equivalent to the total salary income of ordinary workers for more than 30 years, which is enough to buy three sets of private houses of hundreds of square meters, and eat green vegetable noodles every morning, noon and evening, which is enough for a person for 140 years, and it is enough to open a small restaurant.
For Fu Zhengyi in his previous life, this money will become a heavy debt that he needs to bear for more than ten years from the day after tomorrow, and it is the main reason why his high school grades plummeted.
Of course, on the good side, it is precisely because of this heavy debt that he got rid of his title of 'coward' in college, and it also allowed him to finally give full play to his super memory in the process of constantly looking for jobs and changing jobs.
The day after tomorrow, the money will be transferred to the account of the fraudulent company, and the parents who will return home four days later will soon face the pile of worthless daily necessities that have been shipped, in a daze, blank and helpless waiting for the disaster to come!
The chaotic and embarrassing time after 94 years came to mind, and Fu Zhengyi felt that it was a nightmare when he thought about it.
Only worse, not the worst!
After the incident, his grades plummeted, and he was originally able to be admitted to the second book, but he entered the University of Electrical Engineering, and after graduation, he went to the magic capital and was lost in the prosperity and decadence of the metropolis, so he began to degenerate, if it weren't for the appearance of Li Xueyao, who later became his wife, how could he have regained his strength?
Fu Zhengyi, who thinks he is a layman, because that wasted time led him to get married and have children many years later than ordinary people, and even made his wife Li Xueyao, who has the title of the flower of the 07th Foreign University, not realize all his visions and dreams until he got married, and became his bride and became a housewife, and he had to work harder for life......
Thinking of Fu Zhengyi here, the scene of seeing Li Xueyao for the first time couldn't help but appear in front of him, but out of the corner of his eye, he noticed that it was already three o'clock in the afternoon, and he immediately woke up.
There is still an hour and a half before the bank closes, and there is no time to sort out my memories again.
After getting dressed and loading his father's passbook, seal, family registration book and his ID card, Fu Zhengyi, who went out, went straight to the bank.
Fu Zhengyi, who walked into Hanzhou Commercial Bank, felt the comfort of the air conditioner, but immediately frowned.
Lots of people!
There are too many people!
In '94, the bank didn't have a VIP window, and there weren't many counters for business.
There were twenty or thirty people lined up outside the three windows, and the people who were crowded together were at the back of the corner of the lobby, so that Fu Zhengyi couldn't find any space if he wanted to cut in line.
He hadn't been in the bank much back then, and Fu Zhengyi could only honestly line up in the line at window No. 3, patiently waiting for his turn.
After two minutes, he would glance at the wall clock hanging in the lobby, and Fu Zhengyi, who was getting more and more annoyed, couldn't wait to drive away all the people in front of him.
In boredom, I saw a notice posted on the wall, it turned out that Hanzhou Commercial Bank would carry out an internal system upgrade on the afternoon of the 29th, and the relevant inquiries would not be normal until next Monday.
There was nothing to do, and I couldn't show that I was in a hurry, and when it was four o'clock, there were still thirteen in front of the line.
Five o'clock, there are four left in front.
In the bank of 94, the speed of handling business was to death, and the teller in the window would get up and leave from time to time, which made the waiting people only stare dryly, but no one would think to complain.
Local state-owned enterprises are inefficient, overstaffed, and extremely irresponsible.
The disadvantages naturally need not be elaborated.
But for Fu Zhengyi, who is standing in the team, the benefits are also particularly obvious.
Although he had his father's passbook and seal in his hand, he did not know the password of his father's passbook.
If you want to withdraw the 150,000 yuan in it today, even if your father comes to handle it himself, you need to let the teller be accommodating and convenient.
Fu Zhengyi is quite familiar with the rules of the bank, so he plans to apply for a savings card for himself first, and then transfer all the money in the passbook to his card, so that he can avoid withdrawing a large amount of cash.
It's five twenty.
The old man in front of him finally finished it.
Fu Zhengyi, who stood in front of the window with an arrow, hurriedly handed over his ID card and the account opening form he had filled out before.
The female teller inside began to handle it nonchalantly, and handed out the debit card five minutes later.
Fu Zhengyi, who waited patiently, did not wait for the teller to stand up and leave, and quickly stuffed his father's passbook into it, asking for the money in the passbook to be transferred to the savings card that had just been opened.
The bank teller who wanted to get up to drink his saliva frowned, but sat down and took the passbook.
As soon as he saw the amount inside, the bank teller became alert. "So many? Whose passbook is this?"
Fu Zhengyi, who was not in a hurry and stuffed the household registration book into it, said with a smile on the corner of his lips. "It's my dad's, he's on a business trip, so let me bring my household registration book over to handle it......"
The bank teller picked up Fu Zhengyi's ID card and compared it with himself, and then carefully checked the household registration book, and after a while, his brows furrowed, and he leaned down to start processing.
Seeing this, Fu Zheng's heart, which had reached his throat, fell back.
At this moment, the door of the middle of the bank counter was opened, and a male banker in a bank uniform stood at the door with a few passbooks and ID cards, he couldn't help frowning when he saw that the three counters were busy, raised his head and glanced at the wall clock hanging in the lobby, and just wanted to leave but saw Fu Zhengyi who was waiting for business with his head down.
The male pedestrian who was stunned sighed, and then strode to the No. 3 window, leaned down and took a closer look at Fu Zhengyi outside the window, and spoke. "Justice, why are you here?"
Fu Zhengyi, who looked up, couldn't help but be stunned. "Brother?"
The bank teller who was doing business raised his head, glanced at the male banker next to him, and chuckled softly. "Fu Zhengming, your brother?"
"It's not my own brother, it's my third uncle's little cousin......"
Fu Zhengming, who answered, lowered his head to look at the list in front of the bank teller, his expression suddenly became stern, and after lowering his voice and asking about the business being handled, he said a few more words to the teller, and then put away the procedures that the female teller was handling, raised his head and glared at Fu Zhengyi before signaling him to wait outside.
When he met this person, Fu Zhengyi's heart was completely cold.
This person is Fu Zhengming, the eldest son of his uncle's family, with a height of 1.85 meters and a strong physique, eight years older than Fu Zhengyi, and the best one in the Fu family's generation.
After graduating from university, he entered the credit department of Hanzhou Commercial Bank, worked for six years and was admitted to Pengcheng Bank in the south, and worked as a loan officer for three years because he was selected to serve as the secretary to the president, so he was promoted to a department-level cadre before the age of 30.
This cousin, who is thoughtful but very rigid, has a cold face and a kind heart, and took the initiative to let the uncle forgive his family's debts in Fu Zhengyi's previous life, but in terms of Fu Zhengming's character, the chance encounter here is definitely not a good thing!
Fu Zhengming, who came out of the counter, took Fu Zhengyi to the left side of the lobby, raised the passbook in his hand and asked. "What do you want to do?"
"Brother, I need to transfer Dad's money out, otherwise he will ......"
"Do you know what you're doing?" Fu Zhengming interrupted him without waiting for Fu Zhengyi to finish speaking, and wanted to get angry, but he noticed that the depositors in line were looking at this side, so he pushed Fu Zhengyi to the flower pot in the corner with the fire, blocking the sight of those depositors behind him before speaking. "Justice, do you know that this is breaking the law? Strictly speaking, you are stealing! Theft! Do you know the consequences of theft? This huge amount of money is enough for you to be arrested and imprisoned!"
Fu Zhengyi in his previous life was respectful and fearful of this cousin, but at this time, Fu Zhengyi was able to open his mouth to refute. "This is my dad's passbook, how is it theft......"
"If you don't tell you, you're stealing! You dare to do this before your dad leaves! Do you think you can fool me?"
Seeing that Fu Zhengyi still dared to refute, Fu Zhengming, who was becoming more and more angry, raised his hand and wanted to whip him, but he immediately thought that the occasion here was wrong, so he forcibly suppressed his anger and slowed down his voice. "Justice, you can't do stupid things! You can't use so much money if you take it, let's talk to my brother if you want money, as long as it's not illegal, it's easy to say anything!"
"Brother, my dad was defrauded when he went to Yun Province, and if he uses all this money, my family will be finished!"
Hearing this, Fu Zhengming's heart was relieved, the third uncle borrowed money to start a new business some time ago, he knew and inquired about some information in the center, he was very optimistic about the new sales model of the other party's company, so although what his cousin did today was definitely wrong, his starting point was not too big.
So Fu Zhengming turned his face and glanced at the wall clock hanging in the lobby, seeing that it was not early, thinking that his affairs had not been done yet, he was also a little anxious, but he still persuaded patiently. "Justice, similar to the business model of Meifang Company represents the advanced sales model of Western countries, this is a very promising emerging industry, your father is much better than him guarding the snack bar, although you don't understand these, but brother tells sù if your father does a good job and the future is very good, your task now is to go to school, and the rest are adult affairs, you don't get involved!"
In vain, I remembered that some sales models were only characterized as illegal by the state in 98, and the fraudulent companies that began to spread in various names at this time in 94 were just in their infancy, because the companies with new sales models were very deceptive and deceptive, so Fu Zhengyi hurriedly explained. "Brother, Dad didn't join Meifang's company, he joined...... Yes, yes......"
Fu Zhengyi, who couldn't remember the name of the fraudulent company, frowned, and Fu Zhengming, who heard this, completely relaxed. Since you didn't do bad things, I don't care so much, but you remember that it is illegal to transfer the money in your father's account without his consent, it is a crime, and you will be arrested and locked up by the police! I will give you all these things when your father comes back!"
Fu Zhengyi, who heard this, was in a hurry, without the passbook, it would be completely finished, he quickly grabbed Fu Zhengming and admitted with a bitter face that he had done something bad with good intentions, and it was better to take these things back to the house by himself, otherwise he would not be able to hide the matter when his parents came home, and he would definitely be cleaned up!
Fu Zhengming, who had been keeping a straight face, had a little smile on his face when he heard it. "You know you're afraid, you know you're afraid, you have grown up, hurry up and take your things home, and you can't throw them away! This money is not just your family's savings, if something happens, it will be terrible......
was reprimanded and told again, and when Fu Zhengming looked up at the time after leaving, Fu Zhengyi knew that there was no drama today.
And after Fu Zhengyi left, Fu Zhengming, who had finished the matter, was still a little uneasy when he thought about it, so he found the manager in charge of the counter business, and after finding the bank account of his third uncle Fu Taiwen through the guò system, he deliberately made a note in the deposit and withdrawal column of this account, so that if his cousin came to handle the business again in the next few days, the banker who saw the note would immediately notify him.
Fu Zhengming, who didn't know that Fu Zhengming, who was a well-behaved person, would also make notes on the account, and after returning home, he meditated hard.
If you can't transfer the money out tomorrow, it's really over......