Yang Rui, a big customer, was envious of the bank director for a long time.

He insisted not to buy treasury bonds, and the bank director had no choice but to do so, but the loan was also an excellent monetization strategy. Seeing that Yang Rui was indeed interested, the director immediately introduced it with all his heart and strength and invited him again: "Let's sit back and talk. It's cold outside, and his tongue is frozen when he speaks."

Yang Rui laughed and said, "Just talk in the room, I won't go in."

"Okay. Xiao Chen, pour tea." The director brought Yang Rui to the branch office again. The two of them asked for a chair again and talked in the corner of the hall.

Hao Yu, behind the counter, occasionally casts curious eyes, but he can't guess what the two of them are talking about.

Xiao Chen moved the chairs and small tables, made tea again, and brought melon seeds and snacks, which surprised the two or three young citizens who came in occasionally. He didn't know that the bank actually had such a human side.

Yang Rui and the bank director gradually became more and more enthusiastic.

After a while, when the loan interest rate was set at 5%, the two of them looked happier.

The bank director is happy because he finally has the opportunity to solve the loan problem. Moreover, the interest rate is higher than that of ordinary state-owned enterprises.

Loans are now planned loans. When state-owned enterprises need loans, they will submit them to banks or local governments. The former agrees if they agree, and if they do not agree, they will coordinate with the local government. In order to reduce the burden on their own enterprises, the latter often lowers the loan interest rate. Low-interest loans of 3% or 2% are common during this period.

In fact, by the late 1980s, many companies were clearly dying, and banks were still making loans to allow them to pay wages to workers. Such policy loans, not to mention the interest recovery, were destined to be unpaid, but when necessary, banks still had to borrow money.

Healthy loans are rare at this time, and there are many banks rushing to borrow, and some banks are also competing within them.

For places like the Tsinghua Branch of the People's Bank of China, there are not many large enterprises around now, so the difficulty of cross-regional loans has increased.

Yang Rui promised to use the project team in the school to take out a loan, which was undoubtedly good news for the bank director.

Yang Rui was happy to get a loan. Although it was not as exaggerated as the interest-free loan my cousin received before, the interest rate of 5% is not much. In fact, the interest rate of fixed deposits is now higher than that of 5%, which means that you can make a small amount of money by using a 5% interest loan and transferring it to the bank.

But from the perspective of 30 years later, it would be enough to borrow chickens to lay eggs. If you care about the fat of the chicken, it would not be fat.

After leaving the bank, Yang Rui asked Tang Ji and Wang Yaping for help, and invited the leaders of the Student Affairs Office to chat and have dinner at the Beijing Hotel. He shot out a simple sugar-coated shell and called Shi Gui out to accompany the guests.

Shi Gui, who was sitting in the crown car for the banquet, was frightened when he heard the loan of 350,000 yuan, and said, "Without five percent annual interest, the annual interest rate is almost 20,000 yuan?"

Yang Rui asked back: "As long as you give 20,000 yuan a year, you will use it for the best 350,000 yuan. You can still make less than 20,000 yuan a year?"

"It's said that you can make money, but it's hard to say. What if you can't make money, then what will we give to others?" Shi Gui was in a bad mood, and the comfortable Crown Car seemed to be uncomfortable.

Yang Rui sighed and said, "When you were in Hedong, did you not earn 20,000 yuan a year? You can use the 350,000 yuan you can use, and save it temporarily if you can't. You won't suffer any loss..."

"Why won't you suffer a loss? You don't know that the market is saying that prices are going to rise." Shi Gui refuted Yang Rui rarely.

Yang Rui smiled bitterly: "Why don't I know? It really doesn't work. Let's buy it too."

“Snap to buy?”

"You are right to buy things, but it is not OK to save them temporarily." Yang Rui paused for a moment and said, "Crisis is also an opportunity. If it weren't for the excessive money issue, we wouldn't have been able to borrow so much money, otherwise we wouldn't have been able to borrow so much."

In October 1984, China will usher in the first rush to buy since the reform and opening up, with retail prices rising by 28.8%. To explain that later generations are familiar with, if the original price of pork is 12 yuan, the price after the increase will be 16 yuan. All daily necessities and daily necessities will increase in prices in this way, the impact can be imagined.

Of course, snap-ups and inflation did not happen in one day. Since 1982, China has entered a period of rapid growth. In order to meet economic development and make up for the fiscal deficit, the central currency was over-issued - the currency circulating nationwide increased by 50%. In this forced tax activity similar to Baochao, the Chinese people who finally saved some money naturally had to take various measures to defend their wealth.

Shopping is also essential.

As for the over-issued currency of the country, you have to find ways to spend it at this time, and bank loans are the main channel.

It can be said that from 1982 to 1983 to 1984, banks at all levels were scratching their heads about loans, and Yang Rui had the opportunity to get a loan.

When the end of the year, when the central government discovers the harm of excessive currency issuance, it will try every means to get the banks to recover their funds. At that time, it will naturally be a different situation.

Shi Gui was not as conscious as Yang Rui, and he still looked worried. However, he finally trusted Yang Rui's judgment and waited, saying, "This is better. If we have money, we can get the printing factory first. We can buy a few more machines first and then store some printing paper. I originally planned to start a publishing house with a small fuss. This plan cannot keep up with the changes."

"Scale is a good thing. We are still a primary industrial country. If we have a larger scale, we can compete with pirated manufacturers."

"Yes, piracy is always a problem." Publisher Shi Gui kept shook his head.

"We can find a way to apply for another magazine. We can interact with the magazine and publications. They are all in the student market, different solutions, the same type of questions, and the latest information about our publications. Well, we can also hold lecture classes for well-known teachers in various places..." Yang Rui chose two postgraduate entrance examination market methods for later generations, and Shi Gui's eyes shining when he listened.

Most of the pirated copies in the 1980s were small-scale fights like family workshops, which was similar to what Yang Rui and others did when they were in Ruixue’s group. Such pirated copies had no ecological chain and naturally it was difficult to compete with the Xinhua Bookstore system.

In contrast, postgraduate entrance examination institutions after 2000 were still facing the threat of the Internet ecology. At that time, postgraduate entrance examination institutions could find reasonable business models, and the student market in the 1980s was even more capable.

In fact, in this era, some famous textbooks have sold for millions of sales, but the authors at this time did not receive much money, which caused the market ecological system to shrink for a while.

In the 1980s, the college entrance examination was more important than the graduate examination and civil service examination combined, but no professional publishing house participated in the competition.

Shi Gui finally survived the heavy pressure of 20,000 yuan in interest every year. When he saw Yang Rui invited the director of the Student Affairs Office, he had a certain boss style.

I have 350,000 yuan to live with, but I can’t stand out.

Yang Rui circled around the table, just thinking that he was an introducer, and left after eating hard, leaving Shi Gui to talk to them about the details.

Yang Rui returned to the laboratory to continue doing experiments and writing papers.

He had a general interest in molecular mechanisms itself and did not intend to conduct in-depth research. Human energy is limited, especially academic matters. Even if it is a fork, it is enough for people to walk for a lifetime. Except for basic academics, most of the routes can only be easily stopped.

In addition, Yang Rui was also doing repeated genomics experiments, then wrote the papers and submitted them one by one.

When he arrived at Peking University, Yang Rui's horizons also broadened.

When he was at Xibao Middle School, Yang Rui was always worried that the laboratory conditions could not complete the experiment, and he was even more worried that the number of papers and the speed of experiments exceeded that of ordinary people.

But at Peking University, this place is originally a place beyond ordinary people.

Although there are inevitably normal people among the students, people who like to play or poetry, in terms of experimental research, normality here itself is extraordinary.

As far as Yang Rui knows, there are already examples of junior students publishing four papers in a month. As for the world, there are also many madmen who publish hundreds of papers a year and thousands of papers in a decade.

Three-day papers are actually no different from writing experimental reports when doing homework. Even as a boss, there are many experimenters under his command, it is quite difficult.

Because Yang Rui eliminated the most difficult step of designing an experimental plan, he always did multiple experiments at once, and rarely cared about other people's ideas.

Of course, not many people were staring at him. Except for some people who were curious about how Yang Rui received 2,000 yuan in project funds, no one knew what experiment he was doing or what step he did.

Yang Rui even did several experiments. Unless he gave the experimental results himself, everyone would think of several repeated experiments in one experiment. Even Sun Ruyue, who was an experiment assistant, couldn't understand it very well, and asked Yang Rui: "Would it be too wasteful for us to do so many experiments?"

Yang Rui didn't give much explanation, collected data, and went straight to the library to write his paper.

Now, there is no online literature to search, and you have to find information in the library. Therefore, students in the 1980s had more practical significance in going to the library, which can be said to be an inseparable place.

Although Yang Rui had relevant documents in his mind, there were not many in the 1980s or before, and the things involved in his papers had to be looked at existing documents.

For a paper, half of the experiment and half of the text, Yang Rui spent more time in the library tube.

Fortunately, the librarian has been corroded by sugar coating, so it is very convenient to go to the library or the journal reading room.

After quietly writing a paper for a week, Yang Rui sent the paper abroad almost every two days.

He thought that this leisurely life would last for a long time, but he didn't expect that he had sent out four papers and unexpectedly met Li Xin in the library.

"Dr. Li? Are you here at Peking University?" Yang Rui had to express his surprise. This doctoral student from Donghua University whom Jing Yulan met at home was said to have joined the China Silk Road Corporation and met in the Peking University Library, which was really unexpected.

Li Xin also saw Yang Rui at first sight and asked even more surprised: "Are you just a freshman? Why did you enter the library? The management of this library is too lax."

...
Chapter completed!