Director Xing was really stumped by the question, and after a while he said, "You shouldn't need it, you must know that you earn foreign exchange." Pen %Fun %Pavilion www.biquge.info"

At present, the exchange rate of China's foreign exchange is very chaotic.

First of all, the official exchange rate, at the beginning of the founding of the People's Republic of China, it was 2.0 yuan to 1 dollar, 74 years was 1.8 yuan, 75 years was 1.9 yuan, 78 years was 1.5 years, 79 years was 1.4 years, 80 years was 1.5 yuan, 81 years was 1.7 days, and then gradually rose.

It's not that China is so happy, this exchange rate is indeed calculated according to the purchasing power of both sides.

They overlooked two other factors that affect the exchange rate.

Industrial manufacturing capacity, now China's labor costs are low, but the industrial base is too poor, poor enough to offset labor costs.

Another, more important factor is the international recognition of the local currency.

The strength of the local currency is determined by the country's economic aggregate, economic growth rate, per capita income and purchasing power, and the strength of the country.

Later, despite China's emergence as the second largest economic country and the largest purchasing power, everyone did not recognize it, and the status of the renminbi could not be strong. On the other hand, the U.S. economy is growing slowly, but the people are strong, and the carrots are not thrown out, but the sticks are smashed, but the more they are smashed, the more other countries believe it. It's not that these countries are cheap, but that the more the US imperialists dare to smash it, the more it proves that they are strong, and the more it can guarantee the safety of the dollar. What is money, to put it bluntly, is a pile of paper, in the information age, not even paper, but a pile of numbers.

So the growth rate of the US economy is the same thing, and the dollar has been strong.

This negligence led to the creation of a second exchange rate, which can only be regarded as a disguised exchange rate, that is, foreign exchange subsidies.

Because of the overvaluation of the exchange rate, and at this time the industry is too backward, in addition to agricultural products, there are almost no export products that can be obtained, so the foreign trade deficit is often 2 billion US dollars, 78 years is 2 billion US dollars, 79 years is 3.1 billion, 80 years is 2.7 billion, with the current weak Chinese economy, this foreign trade deficit, directly led to the foreign exchange savings of the year is -1.296 billion US dollars, the front is a negative sign...... So the foreign exchange continued to rise, but the deficit continued, in 85 it was 44.9 billion, in 86 it was 41.6 billion, in 87 it was 14.4 billion, in 88 it was 28.8 billion, in 89 it was 24.3 billion, 90-92 years were slightly better, a surplus of tens of billions a year, and in 93 years there was a deficit of 70 billion.

When the state has no foreign exchange, it encourages enterprises to export, and for every dollar they earn, they will subsidize a certain amount of RMB and reduce or exempt relevant taxes, which is called foreign exchange subsidies.

Foreign exchange is so tight that it is impossible to imagine that there will be foreign exchange circulating in private hands, but in the 80s, there was a craze for studying abroad in China.

The black market in foreign exchange has arisen again.

Some people use various channels to bring foreign exchange to the interior without concealing the customs, and some even have the courage to bribe the customs staff to directly load foreign exchange into containers and transport it to China.

Sold by various scalpers to people who need foreign exchange, the exchange rate of one dollar often reached seven or eight yuan, eight or nine yuan, and reached more than a dozen yuan at its peak in the late eighties.

So what should be the exchange rate between the RMB and the US dollar?

In Li Mo's heart, it is definitely not a black market price, it is not a normal price, and the actual purchasing power of the RMB is still okay now.

Again, it is not an official exchange rate, but it is about the same as the price of foreign exchange subsidies, which should have been about 1 to 3 in the early 80s and about 1 to 5 or 6 in the late 80s. The early nineties should have been one to six or seven.

This kind of chaos did not end until the iron-fisted prime minister came to power in 94, isn't it that he does not recognize the yuan, is it not that the price of goods is rising and the yuan is depreciating, is it not that the black market price has been changed to more than a dozen yuan, and the exchange rate is lowered to a few to 1:8.00 all of a sudden, well, there is no black market anymore. Of course, this cannot be depreciated, if it is degraded to the case when the Soviet Union collapsed, it is not conducive to exports, but a super disaster.

In that year, there was a surplus of more than 40 billion yuan in imports and exports, which reached 140 billion yuan in the following year, rose to more than 330 billion yuan in '97, and the foreign exchange reserves also reached 140 billion yuan in '97.

The export surplus has directly driven China's economy to soar.

To be honest, it's a bit shameless that my rabbit did it......

The future exchange rate is indeed a bit unfair to US imperialism, but now this exchange rate is unfair to China, but no one can clearly understand it. Or rather, he realized that there may have concerns that Li Mo couldn't imagine, and he didn't quickly lower the exchange rate, but lowered it, and the adjustment speed was frighteningly slow.

Last year, the country's foreign exchange reserves were only about $20 billion, and this year it was a little better, but it was more than 60 billion, and it fell back to more than 20 billion in 85, and it didn't climb to 10 billion until 90, and it barely reached 20 billion in 93.

Director Xing definitely didn't know the pros and cons of the exchange rate, but as the leader of the city bank, he knew that the country's foreign exchange was very scarce, and said with some uncertainty: "Li Mo, you earn foreign exchange, so you don't have to pay taxes." ”

The main reason is that the policy is unclear and the legal and tax system is not perfect, so it seems that next year's remittance will have to be consulted with a lawyer at the tax office.

The tax office, also known as the tax agent office, was established in the Republic of China, and after 80 years, it was restored one after another.

Its function is to put it simply, the tax office collects taxes, and the tax office avoids taxes for you.

Li Mo didn't want to avoid taxes, he never wanted to escape the taxes he should pay.

But he didn't want to pay the taxes that shouldn't be paid.

This is not in a hurry, he said: "Director Xing, this is the first deposit, and there will be remittances to your bank in the future, and the amount is not small." ”

"Li Mo, don't worry, our bank attaches great importance to customers. ”

"That's good, but Director Xing, I have one more request, not only my family's income and expenditure, I don't want your bank to leak it, including my situation, I also don't want to leak it. After all, writing novels is an amateur income, reading is the right way, and I am still reading. ”

"I can understand that. ”

"That's good. ”

The two of them, one older and one younger, shook hands.

Director Xing personally opened an account for Li Guangping, Li Guangping was a little bored on the side, Li Mo said: "Dad, didn't you bring vegetables over, anyway, I won't bring them back, divide them, and give a little to each person." ”

"Good. ”

It stands to reason that the customer is God, but at this time the bank is God, and the customer is a good grandson.

The concept is gradually reversing, but Li Guangping doesn't know it.

If you are here, you should send some vegetables, but I am afraid that these vegetables will not be able to be used.

He ran out to divide the vegetables, and Li Mo said again: "Director Xing, can you open another account?"

Director Xing looked at Li Mo incomprehensibly, and Li Mo explained: "My dad is illiterate, and his tutor is very strict, so I sometimes have some unexpected expenses, I'm afraid he won't understand...... Although it is the money I earn by writing books, in his eyes, my people are his, not to mention money, so I want to open another account, and when I occasionally use money, I want to make it convenient. ”

Director Xing laughed and said, "Okay." ”

This is indeed the case, for example, Li Mo plans to buy a house in Chao City, will Li Guangping agree?

My house hasn't been built yet, what house do you buy!

If all the money is transferred to one account, the parents are illiterate, but they can recognize Arabic numerals, and as soon as they see the change in numbers, they will immediately know it, and they have to open another account, so Li Mo intends to take his father away.

After completing the passbook, the father and son went home.

Only a few days later, the contract was mailed.

Li Mo signed, asked his father to seal it, pressed his fingerprint, and sent the two contracts back to the United States, which side signed and sealed, kept one contract, and the other was sent back again, which was a bit cumbersome, but when it came to the winter vacation, where to hire a lawyer in the United States, this problem was solved.

Borrowers began to come to the door.

It's not that they want to knock on the Li family's bamboo bar, it's really a lack of money.

But no matter how short they are of money, the Li family does not open a bank, and anyone can borrow it, especially some inexplicable relatives.

On this day, a "relative" came to Cao Village.

Li Mo also wondered, in his previous life, his father opened a sugar mill at home in winter, that is, the small workshop where the sugar was boiled, boiled with rice and barley malt, and the name of the Cao Zhen people was called syrup, and after boiling the syrup, he picked it up and sent it to the villages in exchange for rice and "processing fees". Ordinary people then carry syrup, fried rice, peanuts and sesame seeds, go to the street fried food shop, and use these materials to make fried rice candy, which can be used as snacks for children, and when adults work, they have no time to cook, and they can also be used as dry food.

This kind of small workshop can earn nearly 2,000 yuan in a winter if you are lucky, and can only earn about 1,000 yuan if you are unlucky.

That was a few years later, and the renminbi also depreciated, and two thousand yuan may only be equivalent to six or seven hundred yuan now.

It's very hard, often a load of nearly 100 catties of syrup regardless of the muddy and slippery road in winter, and can pick a place nearly ten miles away to exchange rice back.

Li Mo also picked it.

Cao Village is relatively large, and it is the key object of the Li family's exchange of syrup, and after a long time, several families have gradually become friends with Li Mo's father, and often leave their father down to eat.

However, after so many years, Li Mo had never heard that his family had that relative in Cao Village.

Li Guangping was also a little confused, listening to the man talk for a long time, and finally got a layer of kinship, Li Guangping said decisively: "Uncle He, it's not that I don't help you, I also lend out the money I can borrow." The family has some money to keep for my children to study, especially the eldest son who will go to college in the future and send it to other places, which will cost a lot of money. ”

"Isn't your eldest son still young, just in his first year of junior high school, and he is thinking about going to college?"

Li Guangping was even more forced, he was stunned for a while, and then said angrily: "Uncle him, my son went to the third grade when he was six years old, and he jumped to read." So will he skip in middle school? Maybe he'll be in high school next year. ”

The middle-aged man couldn't make a fuss, and with the rumors in the township, Li Guangping didn't seem to be talking nonsense. People's children are prodigies, and anything can happen.

However, his family has encountered some difficulties, and Li Guangping is also kind: "Uncle, every family has a scripture that is difficult to read, your family is in difficulty now, and is it difficult for me to move from Hegang Village?"

The middle-aged man was depressed in his heart, your family used to be difficult, but you were lucky, you gave birth to a good son, and the days were booming quickly, but my son has this ability!

"I'm not afraid of difficulties, I'm afraid I don't want to find a way, I won't talk about the rest, I'll just say greenhouse vegetables, the leaders of the commune are taking the lead in promoting, and the credit union is also lending loans, borrowing a few hundred yuan, and you can see the money in the spring next year." Is that the way to borrow money, and if you really borrow it, you won't pay it back?"

"It's not that I won't lend it to you, I've borrowed a lot of it, but you see, my family is still this house, do you want to build a house, three sons, when they grow up, they all live in this broken grass house?"

The man had nothing to say, so he walked away in a huff.

Li Mo walked out of the small room and said, "Dad, what you said just now is too good. ”

"You are bad at being Lao Tzu, Lao Tzu is bad at being illiterate, otherwise he is better than you. ”

Well, you're better than me.

"But it's really annoying. ”

Li Mo was relieved: "Although it is annoying for someone to come to borrow money, it means that you have money in your hands, so I am afraid that people will not come to borrow money, and then the family will be miserable." ”