"Treasury bills."

Fan Hongyu didn't sell it, and said it bluntly.

"Treasury bills?"

Zhao Ge muttered a sentence, completely unclear.

Fan Hongyu laughed.

Treasury bills are a kind of securities issued by the central government to make up for the shortfall of fiscal or treasury funds, and were first coined in the United Kingdom in the late nineteenth century. Subsequently, various Western capitalist countries issued treasury bills one after another. Because treasury bills are guaranteed by government financial funds, have high reputation, strong liquidity, and a high rate of return, treasury bills are the main object of securities investment in countries with relatively developed financial industries in the West, and are also an important means for the central banks of various countries to intervene in the open operation of the capital market, and they occupy a large proportion in securities transactions. Chapter 17 Treasury Bill Trading

As a reborn, Fan Hongyu is familiar with treasury bills.

However, in the mid-80s, in our country, especially in the hinterland, the vast majority of cadres and masses did not know much about treasury bills.

As a matter of fact, as early as the early days of the founding of the People's Republic of China, China began to issue treasury bills, which were called "people's victorious discounted public bonds" in units of "cents", and the total amount of public bonds issued in the first phase was 100 million cents. Later, the "national economic construction bonds" were issued one after another, but in the late fifties, due to the influence of political winds, the state stopped issuing state bonds.

After the reform and opening up, the state resumed the issuance of treasury bills in August 1. However, the era of the long-term planned economy imprisoned everyone's mind, and many people did not understand the treasury bills as well as the stocks that were originally issued, and subconsciously thought that they were capitalist things. The vast majority of people have never heard of Treasury bills, which have been issued in the form of showdowns for several years in a row. Mainly state cadres and staff members and employees of enterprises subscribe and deduct money directly from their salaries.

Some people also have a lot of problems with this method, and they don't even know that the treasury bills can be circulated, but only where they are collected. Individuals who buy small amounts of Treasury bills have almost forgotten that there is such a thing, and Chapter 17 Treasury bill transactions and even mature Treasury bills cannot remember to cash in.

In the mid-80s, some people with more active thinking began to do the treasury bill business. There are two main ways. One is more formal, buying scattered treasury bills that have matured or are about to expire from private individuals at a slightly lower price, and collecting them to exchange them at banks. Generally speaking, the price of a cash purchase is equal to or slightly higher than the par value. For example, a Treasury bill with a face value of 10 yuan is paid to the holder about 10 yuan or 11 yuan, and the purchaser then goes to the bank to cash in and earn the interest spread. Normally, the annual interest rate of five-year treasury bills is 4 percent, and the 10 yuan treasury bill matures in five years, and the principal and interest can be cashed into 12 yuan.

It doesn't sound like a big difference, but when you calculate the proportion, there is a net profit of 10 to 20 percent. If it is done properly, a principal of 1,000 yuan can quickly earn 1,000 yuan or 200 yuan.

There are also relatively large businesses, and unexpired treasury bills are also purchased, but the purchase price is slightly lower than the par value. For Treasury bills with a face value of 10 yuan, the purchaser only pays 9 or 8 yuan, and when it expires, he can go to the bank to cash in and make a profit of 30 or 40 percent. The disadvantage of this is that it requires a strong source of funds, and it is possible to keep the treasury bills in your hand for a year or two until they are cashed at maturity.

Another informal approach is to directly alter the maturity time of Treasury bills. Use a very low price, such as 7% or even 65% off to buy unexpired Treasury bills from the holders, and then use potions to change the face information of the bonds, and go to the bank to defraud the principal and interest by pretending to be the matured Treasury bills.

In the early eighties, the market economy was just beginning to have a little concept, and it was not even a rudimentary form. The atmosphere of the economy and society as a whole is very good, and cases such as abduction and abduction almost never occur. Everything is public-to-public, and the ideological concepts of the majority of the people are also very orthodox, and economic fraud is an extremely new term. At that time, the official currency issued by the state did not have a high level of anti-counterfeiting, let alone treasury bills, and there were basically no anti-counterfeiting measures.

Therefore, those who engage in this kind of informal treasury bill business were able to succeed frequently at the beginning, and only after the state suffered losses did they gradually pay attention to this problem and adopt certain crackdown and preventive measures.

Of course, it is impossible for Fan Hongyu to engage in this kind of "business" similar to fraud, and what he wants to do is regular treasury bill trading. Take advantage of ideological emancipation and information superiority to earn some money to spend.

As far as Fan Hongyu knows, in the mid-80s, the famous "Yang Million" among the first batch of shareholders in the stock market first made his fortune in the treasury bill business. With a principal of 100,000 yuan, it rolled continuously, and soon made a lot of money. In another world, in the 90s, when Officer Fan was idle, he read a "biography" about Yang Million and was very impressed. When he was working in the regional public security department, in the late eighties, he also participated in the handling of treasury bill fraud cases, and he was very clear about the formal and informal operation methods.

At that moment, Fan Hongyu carefully introduced the basic process of treasury bill business to Zhao Ge.

Zhao Ge's mind is very smart, as soon as Fan Hongyu said this, she immediately understood a general idea, but she was still a little worried, her beautiful eyebrows frowned slightly, bent her elbows, supported her white and slender chin, looked at Fan Hongyu, and said hesitantly: "Hongyu, this business, people are afraid of it, right?" Treasury bills that have expired, he goes to the bank once, and ten dollars can become twelve, why should he sell them at the original price? ”

Fan Hongyu smiled slightly and said, "There are still people who don't understand." Besides, most people are afraid of trouble. The staff of the government generally do not have many treasury bills in their hands, only about 10 yuan, or more than 20 or 30 yuan, and the interest is only a few yuan. The key to this business is that the base is relatively large, and five out of ten people are willing to exchange with us, so they will make a fortune. ”

Zhao Ge thought for a moment and nodded slightly.

When she was pondering, her eyebrows frowned slightly, her small nose was slightly upturned, her red lips were tightly pursed, and she looked indescribably beautiful under the light, and Fan Hongyu was in a daze for a moment.

This momentary gaffe, but it never escaped Zhao Ge's eyes, and he couldn't help but smile lightly and said, "Hongyu, I heard that what you said made sense. However, the cost of this business is going to be big, right? ”

Although he has roughly understood the doorway in the treasury bill business, everyone has a fixed thinking, and Zhao Ge always feels that taking money to make money must require a lot of principal, and he is more apprehensive. After all, this kind of "financial transaction" is a completely new field for her.

Fan Hongyu said with a smile: "There are big ways to do it, and there are small ways to do it." For now, we can only start small. Sister Ge'er, you give me a solid foundation, if you really want to do this business, how much capital can you come up with? ”

"Me? What money can I have...... This shop was rented, and it cost more than 1,000 to buy these furniture stoves. My dad and all my savings were invested and some money was borrowed. Now that I have paid off my debts, I can have up to 2,000 yuan in my hand. ”

Zhao Ge looked at Fan Hongyu and told the truth.

Fan Hongyu laughed and teased: "You little rich woman." ”

Zhao Ge also smiled and said, "Two thousand yuan is a little rich woman?" ”

"Isn't it? I have been working for more than two months and have received two salaries, all of which add up to less than 200. I have eaten all of them, I am in good health, and I have twenty dollars in my pocket now. You have 2,000 yuan, aren't you a little rich woman? If you open a small restaurant for a year, you will earn two or three thousand, which is enough to be capable. ”

Fan Hongyu sighed a little playfully.

Zhao Geyan smiled, a little proud. For some reason, she cares a lot about Fan Hongyu's perception of her. Fan Hongyu praised her for her ability, and Zhao Ge felt extremely happy in his heart.

"But, for such a big business, two thousand yuan is not enough, right?"

After laughing, Zhao Ge became worried again.

Fan Hongyu said: "Two thousand yuan is a little less, but if you talk about it in detail, you can start to do it." If the operation is smooth, the turnover three times a month will make a gross profit of seven or eight hundred, and if it is done well, it can have one thousand. ”

"So much?"

Zhao Ge was taken aback and looked at Fan Hongyu in disbelief.

2,000 yuan a month to earn 1,000, 50% of the profit, then pay it back? It's much better than her opening a small restaurant. If you don't have to get up early and stay late, it's definitely much easier than opening a small restaurant.

"This is an estimate, and it is a gross profit, not a pure profit. To do this business, you can't do it alone, you have to hire someone. Find a few people to collect treasury bills for you......" Speaking of this, Fan Hongyu glanced at Zhao Ge's bright face, shook his head slightly, and said: "You are so beautiful, it is not safe to go through the streets and alleys to buy treasury bills. ”

Zhao Geqiao's face flushed slightly, and she suddenly asked softly, "Do you really think I'm beautiful?" ”

As he spoke, he bit his lip and showed shyness.

Fan Hongyu was surprised: "Do you still need to think about this?" It's beautiful. Our agricultural machinery factory, we can't find a second girl as beautiful as you. ”

"Really......"

Zhao Geyou bit his lip and lowered his head, two delicate blushes appeared on his fair cheeks.

"It's definitely true, anyone with eyes can see it." Fan Hongyu praised Zhao Ge again, and then said: "You go back to your hometown to invite someone, find someone who is more flexible and reliable, with food and accommodation, and a salary of sixty yuan a month...... Not less, catch up with the apprentices in the factory. There are about four people, and they spend about 300 yuan a month, and they can still have a profit of four or five hundred yuan. Of course, in terms of principal, we still have to think of a way to get more, preferably about 10,000. In this way, you can make a little money and get rich faster. ”

"Ten thousand?"

Zhao Ge's eyes widened again.

ps: Ask for a recommendation, ask for a recommendation!!

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