Sitting on the bed, Reiko lit a bundle of hundred-dollar bills while thinking about her "benefactor" Jiang Wenhua.

I had to feel that in Reiko's heart, a fiery sense of reverence and gratitude arose.

However, no matter whether Jiang is always revered or grateful, the most important thing now is how to save these banknotes in front of him?

Reiko thought for a while, and for the sake of safety, she picked up 50,000 yuan from the bed, temporarily put it in a cardboard box in the corner, breaded it with clothes, and covered it with a few waste newspapers as a cover.

Then, she returned to the bed, took the old yellow bag sent by Mr. Jiang, and put the other 50,000 yuan in cash on the bed.

She decided to save the money in her bag first, then come back to get the 50,000 yuan in the carton, and then go to the bank to deposit it again.

The 50,000 yuan on the bed was put into the bag, Reiko picked up the bank card on the bedside table again, picked up the yellow bag and went out.

When she arrived at the door, Reiko thought about it and was not at ease, so she turned around and returned to her room.

She was worried that the 50,000 yuan just now was not safe in a cardboard box, and she was going to hide it in another place.

When Reiko returned to the room, she carefully placed her bag on the bed, turned around to the corner, took out the 50,000 yuan that had been hidden in it from the cardboard box, stuffed them into a pair of old leather shoes next to the note, and then put the old leather shoes into a shoebox, and stuffed the shoebox into the innermost corner under the bed; Then place a row of shoes on the outside of the shoebox to cover it.

After hiding the 50,000 yuan, Reiko stood up and deliberately checked under the bed from different angles in the room, feeling that nothing was wrong, and then she went out to the bank with confidence.

Fortunately, the CCB branch is not far from Wang's house, and after walking for more than ten minutes, Reiko entered the bank's business hall.

After arriving at the business hall, Reiko took a serial number from the automatic number machine, walked to the customer's seat and waited for about ten minutes.

Soon, the loudspeaker in the business hall shouted Reiko's running number.

So, Reiko walked quickly to the window where her serial number was displayed, stuffed the bank card and 50,000 yuan in cash into the window one by one, and said to the salesman inside:

"Save me 50,000!"

"Okay, please give me your ID."

The salesperson in the window nodded and held out a palm to Reiko.

"What? Do I still need an ID card to save money? ”

Reiko's heartbeat immediately accelerated!

She asked the salesman a little stuttering, and her pink little face was also swollen red.

Reiko clearly remembers that in the past, when she went to the bank to deposit money, she never heard of asking for an ID card; Why do you need an ID card today?

Could it be that I swallowed Mr. Jiang's 100,000 yuan alone today, and someone has found out?

As soon as she thought of this, Reiko's heart jumped to her throat.

"Oh, your deposit has reached 50,000! The bank has a rule that whether it is a deposit or a withdrawal, as long as it reaches 50,000 yuan, you must show your ID card. ”

At this moment, the salesperson in the window explained the reason to her.

Oh——, so that's it!

It seems that this is really "doing something wrong, and I'm afraid of ghosts knocking on the door in the middle of the night"!

Reiko's hanging heart has finally returned to its original position.

At this time, Reiko understood:

I have never deposited 50,000 yuan at a time in the past, let alone withdrawn 50,000 yuan at one time, so for a one-time deposit or withdrawal of 50,000 yuan, the requirement for an ID card is not very clear!

"Oh, comrade, today, I didn't bring my ID card, can you save it for me?"

Reiko's ID card was in the bedside table at home, and she didn't want to go back to get it, so she tentatively asked the salesperson about it.

"That's not going to work! This is a state regulation. All cash inflows and exits of 50,000 yuan or more must show an ID card, and no one can be an exception! ”

The salesperson answered Reiko's request very principledly, and was ready to receive new customers under the next serial number.

"Then——, if I save 40,000 yuan, can I save it?"

Reiko suddenly remembered what the salesman had just said, as long as the deposit reached 50,000 yuan, an ID card was required; What if there are only 40,000 saved?

Thinking of this, Reiko asked the salesman tentatively.

"Oh, it's okay to save 40,000. Moreover, you can save 49,999 yuan, as long as it is not 50,000 yuan. ”

The salesman replied in the affirmative.

"Okay, then please help me save 49,999 yuan!"

Reiko instructed the salesperson without thinking.

At the same time, she secretly laughed in her heart:

This kind of bank regulation is also quite funny, just a dollar is missing: if you have an extra dollar, you can't do it without an ID card; And if you have one dollar less, you can do it again without an ID card!

Alas, what to do? Funny is funny, since people are the rules of the state, then everyone must abide by them.

The salesman in the window quickly completed Reiko's deposit business.

After all the formalities were completed, the salesman asked Reiko to sign, and then handed Reiko the bank card, a dollar for change, and a cash deposit voucher.

Reiko took her bank card and the inconspicuous old yellow bag and walked excitedly to the outside of the business hall.

I had just walked a few steps when I was greeted by a bank lobby manager.

The lobby manager called Reiko to the side and asked with concern:

"Miss, you saved so much cash at one time, you won't be in a hurry to use it in the near future, right?"

"What do you mean?"

Reiko glanced at the lobby manager vigilantly and found that she had a CCB employee badge pinned to her chest, so she asked suspiciously:

"What are you asking me for?"

"Oh, that's right, recently, I don't know if you've heard of this ballad, it's called 'You can't eat poorly, you can't wear poor, you won't manage your money and you'll be poor for a lifetime'."

"No, I've only heard 'you can't eat poorly, you can't wear poor, you won't count your life poor'."

Reiko replied honestly.

"That's right, one meaning, exactly one meaning! You think, 'can't calculate' and 'can't manage money', isn't that the same thing? Let me tell you, you just deposited cash into your bank card, and the deposit is current, right? What is the current annual interest rate of demand deposits? 0.34 percent! In other words, if you deposit 50,000 yuan in a current account, after a year, 50,000 yuan is multiplied by 0.34, and it is only 170 yuan! Now, our bank has issued a three-month wealth management product with an annual interest rate of 5.1 percent, which is equivalent to 15 times the interest rate of demand deposits! That is to say, for the same 50,000 yuan, you deposit a one-year current account in the bank, and the annual interest is 170 yuan; And after buying the wealth management products we issue now, I also saved it for one year, and the interest due was 2,550 yuan, a difference of 2,380 yuan! If it's 100,000 yuan, it's a difference of 4,760 yuan! Come to think of it, that's definitely not a small number for us wage earners, right? ”

"Ah, there is such a way to save money?!"

Listening to the introduction of the lobby manager, Reiko's eyes widened in surprise.

In the past, Reiko only had to deposit money on her bank card, and before the banknotes could be put on the bank card overnight, she hurriedly transferred it home.

She never had the time or heart to care about financial issues other than deposit transfers. Therefore, it is not clear that in addition to normal deposits, there are also high-interest wealth management products.

Now after listening to the lobby manager of the bank introduce the wealth management products that make money with money, it really makes Reiko's mind feel greatly impacted!

"By the way, you don't know how to manage money, do you? Now, there are indeed many people who do not understand the bank's wealth management products, and have been saving money according to the old habits and methods of the past, and as a result, with the rise of the resident consumption index, the money stored in the bank is actually depreciating; If we buy wealth management products, the interest on wealth management products can reach 5.1 percent in a year, and the country's resident consumption index has only risen by about 3 percent in total. ”

The lobby manager patiently introduced the benefits of the wealth management product to Reiko.

She saw that Reiko was listening very carefully, so she continued to introduce:

"Of course, there are two differences between wealth management products and demand deposits, the first point is that after buying wealth management products, they cannot be withdrawn in advance without maturity; The second point is that when you buy a wealth management product, the interest we introduce is 5.1, and after the product expires, its actual interest may be 5.1, or 5.2, or 5.0, 4.9. That is to say, when the wealth management product expires, its actual interest may be a little bit worse, which must be explained to you in advance. However, our CCB wealth management products have been issued for several years, and hundreds of them have been issued, and there has never been a situation where the interest rate is lower than expected. The reason why I want to explain to you in advance that the interest rate may not meet expectations is that the People's Bank of China has regulations in this regard. It is the obligation of commercial banks to clearly explain to customers the risks of purchasing wealth management products. ”

"Then, can the money I just deposited in the card still buy the financial products you said?"

Reiko's heart was obviously moved by what the lobby manager said.

After listening to the introduction of the lobby manager, she asked tentatively.

"Of course! The starting point for the wealth management products that are being sold now is 50,000 yuan. As long as you have 50,000 yuan in cash, you can buy it now. ”

The lobby manager answered Reiko's inquiries very clearly.

"So, what if I want to buy 100,000 yuan?"

Reiko asked timidly.

"100,000 yuan? Then we are more welcome! The more wealth management products you buy, the more money you will earn when the product expires! Right? I think you are also an old customer of ours, so I recommend a wealth management product to you. Moreover, the interest rate of this issue of wealth management products we are selling is much higher than in the past. If you want to buy it, you have to hurry. Otherwise, if the quota is sold out, you won't be able to buy it. ”

The lobby manager reminded Reiko with a smile.

"Okay, then I'll go back and get my ID right away! And-"

When Reiko said this, she swept around very carefully, and when she saw that no one was paying attention to their conversation, she whispered to the lobby manager:

"Eldest sister, I still have 50,000 yuan at home, and I want to use it together to buy the financial products you introduced!"

"Okay, then you can go and get it. I'm waiting for you here. When you come, I'll teach you how to do it! ”

The lobby manager enthusiastically encourages Reiko.

Reiko nodded hurriedly after hearing this, then left the bank quickly, trotted back to the Wang family's villa, took out the pair of leather shoes that hid money from under the bed in his room, took out 50,000 yuan from them, stuffed them into the yellow bag he brought back, and then took out his ID card from the bedside table drawer, put it in the yellow bag together, and hurried to the CCB business department just now.

After arriving at CCB, the lobby manager was indeed waiting for her arrival.

After Reiko entered the business hall, the lobby manager immediately greeted her enthusiastically and instructed Reiko to deposit the 50,000 yuan she brought with her into the bank card according to the procedure;

Then, the lobby manager took out a stack of printed promotional materials and patiently and meticulously introduced to Lingzi the characteristics of the wealth management products being sold, investment direction, risk warning, maturity yield, principal and interest arrival time, etc.

After introducing the financial products, the lobby manager taught Reiko to fill in the relevant documents hand in hand.

About a quarter of an hour later, under the guidance of the lobby manager, Reiko had completed all the procedures for purchasing a 100,000 yuan wealth management product.

After leaving the bank, Reiko began to go home with a spinning pace again.

At this time, Reiko's mood couldn't be happier!

Haha, today, I bought all the 100,000 yuan given by Mr. Jiang to financial products!

What is the interest rate of these wealth management products when they expire?

The annual interest rate of 5.1 yuan, 10,000 yuan is 510 yuan, and 100,000 yuan is 5,100 yuan!

Although I bought a three-month wealth management product, I divided it by four with 5,100, and I had 1,275 yuan in three months!

If, I mean, if I had a million, I would have made 12,750 dollars in three months!

From this point of view, the society of the market economy is the society of the rich!

In a market economy society, as long as you have money in your hands and take the money to make money, it is more worry-free and labor-saving than doing anything, and it is very profitable!

From now on, I must work hard to make money, and I must work hard to make a lot of money, and make a lot of money!

Didn't Mr. Jiang see palmistry for me today?

Mr. Jiang said that my financial luck is very strong, and the more I go to the back, the more prosperous my financial luck becomes!

It seems that Jiang always really looks at it!

No, I have been working in the Wang family for less than two years, and I have earned more than 200,000 yuan by adding my salary, plus the gifts and gifts given by Mr. Jiang, plus the profits made by the "Yanyan" milk tea shop!

More than 200,000 yuan, this was put two years ago, not to mention making so much money, it was wishful thinking, I don't dare to imagine it!

If, this is like a fantasy!

Along the way, while silently calculating the income of wealth management products, while dreaming about how to make more money in the future, while stroking the yellow bag containing bank cards, ID cards and wealth management product contracts, in the blood boiling cheerful, happily returned to the royal villa.