Back to the small fishing village in 1982

Chapter 1376 Bank
"Then you can decide for yourself."

"Ah."

"You have so much money with you now, do you want to send some back?"

"I can remit money, but can you withdraw it? Can our small bank have so much money to withdraw?"

Lin Xiuqing thought about it and it made sense. Last year, he had only remitted a few sums of five thousand at a time at the beginning, and had not remitted any more money since then. He just brought the money back in a sack.

"Then you can use some of it to build a house. After that, you can collect rent slowly."

"Well, I have collected 520 yuan in rent this month. I think I can collect more than 6000 yuan a year. Wouldn't it take five or six years to get my money back? I will make steady profits from now on."

"That's right. Then you should be careful and pay attention to safety. Let the workers do the work at sea. Promote two people and increase their wages. You can also save yourself the trouble of going out to sea."

"Well, nothing much, that's it, if you have anything else, call me and leave me a message."

"Even if I call you, you have to come and listen to the message when you are free."

"Yes, I will come and listen when I am free."

Ye Yaodong hung up after saying this and joined the card game next to him.

He only has time to play cards with these people and build relationships today, as he has to go out to sea tomorrow.

After going out for a while tomorrow, if the next Harvest ships go out to sea, he will go along to take a last look, and then he will hand over everything to the person he promoted.

In this way, he can free up time to stay on shore, build good relationships with these people, and get to know more people, so that he can ship better.

He didn't go back at noon either. The sun outside was as scorching as a furnace and it was impossible to walk under the sun.

He ate with everyone, and after dinner he continued to play cards to kill time. He only went back when the sun went down and it was not so hot anymore.

As soon as he got back, he told everyone that he wanted to invite back the workers who had built the house before to continue building another one.

He won't have time to hire workers tomorrow as he has to go out to sea. He will go to hire them the day after tomorrow morning. He told everyone in advance so that everyone will have an idea and won't be too surprised when they see people coming to work.

He also plans to build a warehouse so that he can store the dried fish.

Now that the room is full, there is no place to put the dried fish, so they can only be piled at the end of the corridor and wrapped in nylon bags.

But there were some left over on every boat, and they were all kept back to dry in the sun. After just a few days, there was no room left anywhere, and some people had to move them back to their own houses to pile them up.

This kind of thing can't be sold for a lot of money. Although there are people who want it, it can't be sold for a lot of money. There are a lot of fish at the dock here, and the last thing they lack is dried fish.

When Ye Yaopeng heard that he was going to build another house, he felt so distressed, "Dongzi, you still want to build? Building this row of houses has already cost tens of thousands..."

"It's not enough, build another row."

Ye Yaohua also advised: "Why don't we wait until next year? It has just been built, and everyone can live in it?"

"There's no room for us to live here. I'm going to get five more ships in a few months, and there will be dozens of workers there. Where will they live?"

"You can rent a few houses outside."

Ye Yaodong waved his hand. "I've already called Ah Qing to discuss it. Just build it. We can collect rent by leaving it there anyway. I estimate that many people will come again after the New Year."

"I'll come back after the New Year..."

"There's money to be made. Why not make money? You can collect rent from it later anyway."

"Then are you coming over after the New Year?"

"I don't know. It depends on the situation. Maybe he will come here to collect the rent and stay for a few days before going back? Or maybe he will come back sporadically? Anyway, we'll see."

He himself hasn't made up his mind yet, because it is indeed easy to make money here, but he also wants to rest at home.

So let's wait a few months, or he can bring people together and arrange workers to do the work, and then he and his father can take turns delivering goods and collecting payments here.

I am worried about when it will be more convenient to set up a private company directly, and then I can make public transfers without having to run around collecting payments myself.

Ye Yaodong thought, just build it first, and then think about what will happen after it is built. Anyway, it has to be built, as there is not enough space to live in.

The two brothers were a little conflicted. They did earn a lot. The number of fishermen and businessmen increased every year here. They all knew they could make money, and it was indeed much easier to make money than at home.

They were also a little eager to do something, but they still wanted to see what Dongzi had to say.

Ye Yaopeng said: "Then we will depend on you then."

"Look what I'm doing!"

Ye Yaohua said: "Haha, if you want to stay here, we will stay with you. If you want to go back, we will follow you back."

"Yes, it's more reassuring to follow you. The goods will be collected by your fishing boat anyway."

"Then it's possible that I could stay here with Dad to collect the goods and the payment, and then we could take turns going home."

"Well, since you plan to put the boat here to fish, we'll stay here too."

"Let's see. We'll talk about it when the time comes."

He himself hasn't figured it out yet.

But judging from what his elder and second brothers seem to be saying, they want to follow his example.

There must be a lot of people watching him. If he puts the boat here to fish, probably a large number of people will stay.

Others were very happy to hear that he was going to build another row of houses, so that when it was completed, everyone would not have to be so crowded.

If we ask them to live outside, they definitely won't want to, so it would be much better to build another row.

Ye Yaodong went out to sea to collect the goods the next day and came back. On the third day, he went to find the foreman and then ordered bricks, cement and sand himself.

Before going out to sea, it would be better to order all these materials and start work right away.

He is also very busy and has no time to rest for a moment.

After the waves died down over the past two days, the returning fishing boats and other small boats began to go out to sea again.

We were only gone for three or four days when we heard on the radio that the eye of a typhoon had formed, so we had to come back to rest.

Ye's father was gone for nearly 20 days and came back after hearing that there was another typhoon.

Fortunately, their fishing boat did not go too far. If they had gone fishing on the high seas, they would have suffered heavy losses and would have had to return before they even started fishing.

It is almost the end of the month again.

Under the constant instructions and constraints from the ship captains, it is stipulated here that people are not allowed to leave after 8 o'clock. As a result, people go out less often and there have been no conflicts this month.

Except for typhoon days, the rest of the time is very safe and peaceful, with people leaving early and returning late.

There are many typhoons in summer, which is also a norm. Even if they do not attack head-on, there will be typhoons passing by. As long as the eye of the storm is formed, the entire sea area will be affected.

Not to mention September, there are still many typhoons in October and even November.

These fishing boats, big and small, are also very diligent. As long as the wind is not strong, they will go out to sea to fish all day long, and the harvest is also very considerable.

No pain, no gain.

When taking inventory at the end of the month, Ocean No. 14 had a total revenue of 10 yuan that month. When other fishing boats came back in the middle of the month, an inventory was taken and it was found that they had probably earned a little over yuan.

Because of the typhoon in the second half of the month, all the fishing boats returned, but the harvest was not so ideal, and the total fuel cost for that month was 2.

Several fishing boats also went out for a few days less than the Ocean No. 1, and he also earned about 5 yuan by collecting fresh fish.

He has 17 small boats and received nearly 2 yuan this month.

In total, he earned about 9 yuan in September.

Big ships are the real killer!

Especially in places like fishing grounds where there are dense fish schools, it is like picking up money.

Of course, there also needs to be many channels to absorb such a large quantity. Otherwise, if you catch so many and cannot sell them, they will just be lost.

It is not an exaggeration to feed pigs with large amounts of fish.

Because I just arrived in the second half of the month last month, I only went out to sea for a few days, but I still made more than 1 yuan. However, this month's living expenses and buying materials to build a house have also cost me several thousand yuan.

The materials for building the house were not purchased all at once. Instead, we had the brick factory, sand factory, and cement factory deliver the materials one by one, and we settled the payment for each batch.

Now that the total account has been settled, he has received about 19 yuan this month. All in all, he now has about 20 yuan on hand.

This is the net income for the past month and a half.

When Ye Yaodong was counting the total revenue in the account book, his mouth was watering, but he was not ecstatic.

When other fishing boats came back in the middle of the month because of big waves, he had already calculated the accounts for those fishing boats. The income in the second half of the month was only a few days more, which was not as much as that in the first half of the month.

But after checking the accounts, Ye's father had counted the money several times and he still wasn't satisfied.

This was only half of the net income. He had locked the other half in the safe on the fresh-catch ship in the first half of the month.

"Haven't you finished counting yet?"

"I've said it many times, but this is too much. We've only been here for a month and a half. What if we stay here until the New Year? We'll have to pack it in sacks again."

Father Ye looked even more excited than he was.

He did not tell his father that this was only half, but said: "I will go back early at the end of October and take the money back with me. It will not accumulate until the New Year."

"That's still a month away, and I can still make a lot of money."

"Then you should work harder."

"What?" Father Ye was unable to wrap his mind around this for a moment.

Ye Yaodong took the money from his hand and locked it in a safe.

Ye's father then realized that he was being told to work hard.

"It's not like I haven't done it before. Isn't it me who's doing it?"

"Tomorrow is the 1st. If there is a trip out to sea in the next two days, I will not go out with the ship when the fresh fish ship goes out. I will just stay on the shore to receive the goods and contact the customers."

"You're not going out to sea?"

"There are many things to do on the shore. I also have to build good relationships with other fishmongers and bosses, and get to know more people to ensure future shipments."

"Okay, now that you've had a good time, I have to do it all."

Ye Yaodong heard his father complaining and comforted him, "Aren't you training a few more boat drivers? You can hand it over to others."

"How can I feel at ease? Such an expensive ship, how can I bear to hand it over to others?"

"I have so many ships, and there will be more delivered in the second half of the year. They all have to be handed over to other people to drive. If I drive them all myself, can I handle it?"

Father Ye continued to shake his head, "Then let's wait until we get the boat in the second half of the year. I'm worried now, so I have to drive it myself. I can just have someone take shifts with me."

"Okay, if you're worried, then you can keep driving and find someone else to take the helm. I'll have to give that person a share of the profits, and the deputy I promote will also have to give that person a share of the commission."

"Then I'll help you out. Don't let others make the money."

"There will always be a need to subdivide the positions. Now everyone is just assigning them spontaneously. When I have more ships, the corresponding positions on these ships will also have to be subdivided, and then they will have to be sent to the ship units for training."

It’s just the beginning now. We are all from the same village, so we can just work together. Later on, we have to standardize things a little, and those who have positions will have to get a raise.

But the captain of this ship definitely does not get a 10% share. Although the captain of Dongsheng gets 10%, the amount of cargo received by this ship is not comparable to that of Dongsheng.

Father Ye was heartbroken. The wages for the boatmen were already very high, and they still needed more money?

"Let's talk about it later. Now I'll just do the work so I don't have to pay out any money. By the way, how much will Chen Laoqi get this month? 10% for him?"

Chen Laoqi drove the Dongsheng. It was agreed at the time that there would be no salary, but he would get a 10% commission on the profits. As for his deputy, it would be salary plus 1%.

This month, after the Dongsheng took 4% of the fish from the seafood collecting ship and deducted the fuel cost, it still sold for more than 8000 yuan. After deducting the basic salary of 5 yuan for the five crew members, it still made more than 675 yuan.

This means that he can get more than 700 yuan, while the workers earn 135 yuan a month. A 10% share is enough for him to make a lot of money.

"Well, 10%, that's more than 700."

"So much! How can we give him so much?" Father Ye felt even more distressed.

"Of course, but I haven't paid him yet. I'll settle the accounts with him at the end of the year, or I'll settle the money with him when I go home at the end of next month."

"This is too much. A worker's salary of more than 100 yuan is already very high."

"The duties are different. If the captain doesn't give him some benefits, how can he work hard? Of course, if I catch more cargo, I will benefit too. This is equivalent to tying him to the Dongsheng. He now regards the ship as his own son. When he knew that he could get more than 700 this month, his mouth was about to crack to the back of his head."

"Isn't it? This is the month where he got the most. Last month, he didn't get more than the workers, but this month it suddenly skyrocketed."

"We came here in the second half of last month, and we encountered a typhoon after only three or four days. There was nothing we could do."

Father Ye was still muttering about giving so much.

"You can't catch a wolf without sacrificing a lamb. We have no choice but to drive each boat ourselves. It's only right that we sacrifice a little and make a lot of money."

"Then how much share do you plan to give to the captain of Ocean No. 1?"

“This ship is awesome now.”

"That's right?! One hundred thousand a month! One point is more than 1000 yuan."

Ye Yaodong thought about it and pressed the calculator again. "Normally it's not that much. It's only this high here. After deducting the fuel cost this month, this ship probably earned about 12 yuan, but the freshwater ship has to deduct % of the profit. The rest is the profit of this ship."

"Oh, yes, the income from the fresh-collecting boat must be deducted. You can't just ignore it because both boats are yours."

"Well, so if you divide the points, you will get 7 points. One point is more than 2. This number is of course not enough. You can count it as two points at that time. Then the deputy will count as one point."

This means that the captain can earn between eight to nine hundred and a thousand yuan a month, depending on the fluctuation, and the deputy can earn four to five hundred yuan.

If I go home, the amount of goods I receive will decrease, and the money I earn will definitely be less, but it is still much better than working as a worker on the deck, and it is relatively easy.

Other workers will also have more hope after seeing this. As the number of ships on his side is increasing, everyone will also think about working hard to take over.

"The highest-level workers only earn this much..."

"They are the most senior crew members. I will send them for training when I have time. Now you are reluctant to hand over the ship to your deputy and promote someone to be the captain. If you do it yourself, then I will let you earn this money."

Father Ye's eyes widened, "Ah? What!"

"You can earn the money from this ship boss. You're the one doing all the work anyway."

"Really?"

Father Ye was surprised for a moment, then he put away his expression and said calmly: "You don't have to calculate so much. Your salary is higher than others. I just help you a little because you have such a big business and you are too busy. Just calculate a little."

"Forget about it if I didn't mention it before, but now that it has come to this, it's still profit for others anyway, I'll feel more at ease if you help me do it."

"That doesn't need to be so much. I'm not someone else. How can I take so much from you?"

"Then I'll save this money for you? Just give your salary to mom like in previous years. If you need money, just tell me. I'll keep the account for you anyway."

Father Ye nodded quickly, "That's fine!"

"I was originally thinking of making more money this year so I could make you a thicker gold bracelet..."

"No, no, why do you need so many of those things? I already had a necklace and a ring last year, which was enough. Why do I need a gold bracelet? That one alone is enough for me to show off for the rest of my life."

"Then I'll give you a commission?"

"Yes, yes, yes, just consider it as a commission. Don't buy gold for me. If you buy it, it will be kept by your mother."

"Ha ha……"

"What's so funny? I'm always out early and back late, so it's just right for her to keep it."

Ye Yaodong laughed for a while and then stopped laughing. "You can teach a few more people. When we get a new ship, we will let the old ones go on the new ship and teach the new ones."

"understood."

After the father and son had talked, a few days later when Ye's father went out to sea, Ye Yaodong clearly felt that his father was in high spirits, full of fighting spirit and a look of fighting spirit.

He felt that his father should have no problem working hard for another 10 years, as he would only be in his sixties by then.

Moreover, when the fresh goods collecting ship went out to sea to collect the goods the next day, he did not go with them. He only asked the two young men who had been promoted some time ago to arrange the weighing of the goods and record the accounts. He just waited on the shore and calculated the time to come out to receive the goods.

He also asked them to pack the money on the ship in a sack and bring it back one day in advance.

He will only feel at ease if this is kept under his nose.

After Ye Yaodong came back, he tossed around the house for a while before stuffing the money into the interlayer of the mattress where he slept.

Then I took another 1 yuan to the bank to exchange it for 50 yuan in new bills. I heard that the limit was 1 yuan.

As a result, I met Shen Ming'e at the bank, and then I realized that exchanging new banknotes can be considered as a performance, because they have just been issued, large amounts are circulated slowly, and ordinary people do not recognize the new banknotes, so they also have to exchange the new banknotes for circulation.

He simply gave the girl performance rewards, saying that he wanted to exchange them for 200,000 yuan.

This made Shen Ming'e's eyes widen with shock!

"You want to change it for two hundred thousand?!"

"Yes, the 10-yuan note is too small. Now there are 50-yuan notes, which are better. I can exchange them and save space for storage."

"Do you want to save it? Or you can deposit it directly! The interest rate is quite high, the annual interest rate is 6.3. It seems to be even higher for such a large amount. Do you want to save it?"

Shen Ming'e looked at him as if he were the God of Wealth with stars in her eyes.

"Do you have another achievement?"

She nodded rapidly, "Yes, yes, yes."

"How much is your monthly salary?"

"60 yuan..."

Ye Yaodong couldn't help but twitch his lips, "60 yuan, you are so enthusiastic? Otherwise, come to be my financial officer and help me keep accounts, and I will give you 80 yuan?"

"what?"

She was stunned for a moment. Who would go to a bank to poach people?
She quickly shook her head, "No, I have a stable job."

"I have a stainless steel rice bowl there."

"Haha, how did you know there are stainless steel ones?"

"Are you willing? I'll give you more than your bank."

Although the invitation he just said came out of his mouth, he was not joking. If she really wanted to, he would also like it. It was a headache to calculate the bills every day.

I have to record the bosses' requests for goods, then deliver the goods and collect the payments, check the payments, calculate the share, and figure out how much I earn from each ship. I also have to sort out the orders. It's really a headache.

If he didn't have to do it, he might as well go out to sea. It would be easier and he wouldn't have to rack his brain.

Shen Ming'e shook her head, and her wavy hair swung along.

"No, I don't work for money, I work mainly to have something to do instead of doing nothing."

"That's great. I just need someone who wants to work for free."

"Hahaha, come on. Do you want to make a deposit? I'll help you apply for VIP status and open a VIP account. The interest rate for large deposits is the highest."

"Is it safe? I'm afraid you won't let me withdraw cash if I want to? Or the bank doesn't have that much cash and I can't withdraw cash, what should I do?"

"No, you can deposit 20 yuan at a time, which makes you a VIP customer, the highest level customer of our bank."

"I don't quite believe it..."

There are quite a lot of negative news about banks, and the terms are unfair. Only the people suffer, not the banks.

Moreover, there was no Internet in this era, so he felt a little worried.

If the bank transfers the wrong amount of money to your account and you don't actively return it, then it's your fault and you will go to jail if you spend it.

If your money is transferred by bank employees or there is no record on file, it is your responsibility.

Moreover, under the current deposit insurance system, the state does not provide a bottom line compensation of 50 yuan.

The main worry is that I can save so much, but I can’t withdraw so much.

"Why can't you trust us? We are a state-owned bank. You can distrust a small private bank, but why can't you trust a state-owned bank? Moreover, if you deposit money, you will be given a deposit receipt and a passbook record. The passbook is the evidence. The passbook itself is a financial certificate and is recognized everywhere."

"I was worried that when I went to withdraw money, they would tell me that they didn't have that much money and couldn't withdraw it."

"No, if you deposit 20, you will be a VIP customer and you will have a dedicated business manager. You may not be able to withdraw the money at the last minute, but if you make an appointment in advance, you will be able to withdraw it."

"What about a different place?"

"In a different place... I can't guarantee that I can withdraw so much money at once. I guess the handling fee for any withdrawal will be very high. But you can withdraw it here. If you deposit money with us, you will definitely come to us to withdraw it and bring it back."

"Let me think about it. What's the annual interest rate?"

During this period, he was really scared to hide his money. No place seemed appropriate to hide it, and he couldn't spend so much.

I worry about it every day when I put it on the boat. Before going out to sea, I have to go to the boat to check on it every day before going in and out. But I feel it is not safe to leave it at home.

Depositing money in the bank is indeed the best option.

He just didn't trust it a little. There was no Internet back then, and he had heard too many unreliable things. His 20 was not a small amount of money.