Back to the small fishing village in 1982

Chapter 1377 Interest Rate
But after all, he had borrowed 20 yuan here, so it would be fine if there were no restrictions on withdrawing money from the VIP account.

The level of interest rates is secondary to him, it is just icing on the cake.

Just deposit it now, and when he wants to go home, you can withdraw it all at once and take it back with him.

As I said, now that there is no internet, he is worried that his money will be lost. He is out of town and there is no way to get it, so he is also worried that he cannot withdraw it all at once.

The average wage is only a few dozen yuan, and a family earns only a few hundred yuan a year, and they still have expenses, so how can they save the money in the bank? Now very few people can go to the bank to deposit or withdraw money.

Only when relatives from other places send money will people go to the bank to withdraw money.

Ye Yaodong was extremely poor in his previous life and had never saved any money. When he was a sailor, he would go home in cash during holidays, and he was almost an old man now.

"Let me check the annual interest rate. There is a table. The interest rate will be different depending on the deposit period. Please wait for me." After saying this, Shen Ming'e hurried to the office upstairs.

Ye Yaodong had no choice but to sit and wait, while also thinking about whether he should save the money.

If he really wants to open a VIP account, then he thinks it's okay.

It's better than keeping the money with him and hiding it here and there.

Compared with the risks of banks, human risks are greater, so never consider human nature.

He waited for a short while before Shen Ming'e handed the form to him.

"Look for yourself, it's all clearly listed, and the interest rate is not low, higher than what I saw in foreign banks."

Ye Yaodong took a closer look and found that the annual interest rate for current deposits was 2.88...

“6.3 in three months!”

He was surprised and glanced at Shen Ming'e.

"Yes, that's why I told you to deposit it in the bank. Don't change it into 50-yuan bills. It's not safe to keep so much money in your hands. You can get interest by depositing it directly in the bank. If you need it, notify us one week in advance and the account manager will notify the bank to prepare the money and give it to you when the time comes."

Ye Yaodong no longer cared to listen to what she said and stared at the lists in his hand one by one.

Half a year is 7.74, one year is 10.08, two years is 10.98, three years is 11.88, and five years is 5!

"Fuck..."

"what happened?"

"nothing."

He widened his eyes and looked again, and sure enough, he was not dazzled.

“The interest rates are so high!”

"Yes, that's why I advise you to deposit money. I can also open a VIP account for you and assign you a dedicated business manager."

He took back what he had just said. Who said that interest rate was secondary to him? It was just the icing on the cake!
Damn it, if he saves it for a year, he can get an extra 20 yuan in interest on 2 yuan!

It’s more profitable than collecting rent.

He borrowed 20 yuan from the bank, did nothing, and deposited the 20 yuan. The interest for three years is more than 7 yuan?
Damn! The loan is too little!

Isn't he making a lot of money?

He originally thought that if he had too much money on hand, he could just pay off the loan in advance to avoid the risk of losing everything.

Who the hell wants to pay it back? Of course I’ll just save it and earn interest!

The interest rate is so high, a 5-year fixed deposit is more than 13 points!

"Do you have a calculator? Can you tell me how much money 20 yuan would be if I save it for 5 years?"

"One year is 27360, and five years is 5."

Ye Yaodong was shocked!
It will take more than half of the money to be recovered in five years!
Close to 7%!
How come he didn’t know in his previous life that interest rates were so high these days!
He knew it would be high, but he didn't know it would be this high!
The rent collected cannot be that much. Although buying houses and land can bring huge profits in the future, it has not been so explosive in the past few years.

Now this deposit is simply the best financial management!
Now I deposited it in 1987 and withdrew it in 1992, just enough to buy land!

Ye Yaodong slapped his thigh fiercely, "Oh my god."

Shen Ming'e was somewhat confused by his actions, "What are you doing?"

"I'm late!"

"Hey, I'm telling you, just save it and see how long it will take?"

"Are you sure you can get it?"

"Don't worry about this. We are a formal state-owned bank, much more reliable than a credit union. We will give you a passbook and deposit slip for your deposit. What are you afraid of?"

“Who is my business manager?”

"I!"

"Okay, if you don't give me the money after five years, I will bring hundreds of workers to your house and use you as collateral for the debt."

Shen Ming'e looked at him speechlessly, "Don't worry."

Ye Yaodong was really tempted by the 5-year fixed rate of 13.65%.

He probably has about 700,000 or 800,000 yuan in cash at home.

This is what's left after investing in the fish cannery. He invested 80,000 to 90,000 yuan in that fish cannery.

The cash in the family is enough now, and he has to find a way to spend it, but he can't spend that much. If he really spends it, Lin Xiuqing will definitely be reluctant to do so.

Now that banks have such high interest rates, he thought of just putting the 20 yuan into a fixed deposit.

Otherwise it would just be there, just like the money at home.

He borrowed 20 yuan from this state-owned bank, so let's just take it as a sign of trust.

"If you deposit 20 yuan for three years, how much is it per year? If you deposit it for five years, how much is it per year?"

"The three-year term loan is 23760 per year, 71280 for three years, and 5 per year for five-year term loan. After five years, in addition to the principal of 27360, you can still get 5, a difference of 20 in two years."

“Such a big difference!”

He calculated it again with a calculator.

After thinking about it, I decided that 5 years was more cost-effective since he had a lot of cash at home anyway.

I have earned 20 yuan in just over a month, and I can earn at least another yuan this month. When I go home, I will have saved up a lot of money to take back.

It would be better to deposit the money you have on hand now to be safer.

The key is that the interest rate is too good!
If you save for 5 years, you can get back % of the principal in interest alone.

It was impossible for him to spend all the money in the family, and Aqing would definitely not agree.

Just save this money just in case.

Considering his current efficiency in making money, it is not a lot and he can earn it in a month, but at a critical moment, this money can save his life and help him make a comeback.

Cunning Rabbit Three Caves.

Then, after receiving several ships from the factory, he will have saved some money in a few months, and then he can use it to book a 40-meter ship.

This way he wouldn't always have so much money on him. At least he would have made arrangements for the money he earned in these few months.

Shen Ming'e persuaded him again, "I suggest you just save for 5 years. The interest rate is always changing. If you have this interest rate now, it may not be there in the future."

This is true!

This interest rate is only in place now. Although it will not be halved in a few years, it will definitely fall.

It was not until the millennium that the economy collapsed and interest rates continued to fall.

She added: "You have so much money, it's worthwhile to deposit it. Otherwise, it would definitely be unsafe for you to carry so much money with you."

"This interest rate may not be considered much for ordinary people, because ordinary people only save 100 or 200 yuan, which is just a few yuan more at the end of the year."

"You are different. You are a big boss with a lot of money flowing in and out. If you have some spare money saved just in case, it can also earn interest."

Ye Yaodong said: "You are right to work in a bank. You are so good at talking. No wonder you have become a business manager."

"Nonsense, I obviously know a lot of people, and I recruited them all as clients."

"I can save so much at once. Not many people can do that, right? Are there any benefits?"

"We have rice, flour, grain and oil for free. If you deposit 20 yuan for five years, I can apply for more for you."

"Okay, I'll bring the money over to deposit in the afternoon. You can help me with the business, and I'll bring people over to move the rice, flour, grain and oil."

"Ok."

"By the way, if I deposit for 5 years, will the interest be paid every year, or will it be paid in one lump sum upon maturity of 5 years?"

"The balance is settled every three months. You can bring your passbook here to check, and then we'll calculate it for you. You can also come here to check, and we'll calculate it, but you can't withdraw it until it's due."

"understood."

"Then remember to bring it over this afternoon for processing."

"Row."

Ye Yaodong brought 1 yuan with him and took 1 yuan back with him, and he was still very happy.

The money he hid in the mattress last night was in vain. When he got home, he pulled the mat aside and took out the money hidden in the mattress one by one.

He deliberately took a sack, put some straw in it, and threw 20 yuan into it.

Apart from the 20 yuan, he only had a few thousand yuan left. Several boats went out to sea yesterday, and he spent about or yuan on refueling and ice.

But it doesn’t matter. It’s easier without money. He can ask someone to send a boat to pick up the goods tomorrow. He will have money again when the goods are collected.

This shipment has already been booked out.

After he had gathered the money, he tied it up with a hemp rope and piled it together with the dried fish before going out for lunch.

After running around for a whole morning, it was time for lunch.

The workers saw him rushing out in the morning and locking himself in the room when he came back. When they greeted him, he just nodded and did not stop.

"Brother Dong? Why are you rushing in and out?"

"I'm going to do something. Come with me in five or six people later."

"Okay, what are you going to do? Buy groceries?"

“Moving food.”

"Oh, okay. With so many of us, the food is indeed consumed very quickly."

"I'll go cut two pounds of fat meat later and cook taro rice tonight. We also have ear beans. We can mix them in and cook them together to save some food."

"Okay, okay, this meal is delicious."

"Buy another pig skull tomorrow and stew taro tomorrow night."

"it is good."

Pig skulls are the cheapest bones and contain meat. One can make a big pot, enough for so many people to eat. The bone soup is also delicious.

When he came up, the potatoes and taro at home had already been dug up into several sacks, and all were moved up. There was also a pile of winter melon, pumpkin, cabbage, red beans, yellow beans, mung beans, pickled vegetables and dried vegetables. Now all he had to do when he went out was buy meat.

He estimated that when he went back at the end of the month, he would be able to dig up several sacks of radishes and sweet potatoes and bring them back.

After the workers finished their meal, 6 people were assigned to follow him to move food, and the rest helped to build houses at the construction site.

Everyone originally thought that they were going to the grain station to move, but what no one expected was that they were going to the bank?

Standing at the gate and looking up at the sign above, everyone was a little confused.

"Brother Dong? Did we go the wrong way?"

"You're in the right place. You guys wait here first." Ye Yaodong said and went in first.

The others stood at the door looking at each other, and then they suddenly realized what was going on.

"I see. Brother Dong is here to get money and then go to the grain station to buy grain."

"Why did I come to the bank..."

"Then wait here first..."

Ye Yaodong stayed in there for almost an hour before he finished his business and came out.

The sack in his hands also turned into a passbook with a string of zeros on it. Looking at him, he felt a bit complicated.

It still feels better and more comfortable to have a lot of money in my hand. Now I feel empty all of a sudden.

Such a large sum of money was suddenly gone and turned into a few numbers. I couldn't help but feel a little disappointed.

I feel a little regretful that I cannot withdraw the money for five years. I can only come back every few months to see the interest growth.

I feel a little sad because I have lost my money.

"Brother Dong is out..."

"Brother Dong has withdrawn the money, why is it taking so long?"

Ye Yaodong put the passbook in his pocket and said, "Come in and move the food."

"Come in and move?"

"Adong?"

"The bank gave me a batch of rice, flour, grain and oil. Come in and move them."

Everyone was surprised. Was it a gift from the bank?

But seeing that he didn't look like he was joking, I followed him in doubtfully, and then I saw that there was already a pile of rice, flour, grain and oil in the open space in the middle.

"this one?"

"Wow, so much! The bank even took the initiative to send us rice, flour, grain and oil?"

"What do you mean we? It's for Adong!"

"What Ah Dong? You should call him Brother Dong outside! Or call him Boss!"

"Hahaha, it's not a festival, but even the bank wants to give Brother Dong so many gifts. What did Brother Dong do?"

"That girl from the bank last year is here. She must have taken the initiative to give it to Brother Dong!"

"Could it be because Brother Dong is rich and good-looking..."

"You want to be our sister-in-law..."

Seeing them chattering in dialect, Ye Yaodong kicked the one closest to him.

"What are you talking about? Just move quickly."

"Are these all?"

"Yes, move back."

"okay."

Ye Yaodong looked at Shen Ming'e again, "Thank you very much, Comrade Shen Ming'e. I will have someone move these things back first. I will definitely come back every few months to check the interest. Thank you for your help."

"It's okay. It's not a problem. I'm here anyway. I'll feel more at ease if you come every now and then."

"You're afraid I'll run away and not pay back the loan, right? That's why you keep persuading me to make a fixed deposit, so I can't run away."

"Hahaha, now you know all this."

"As long as the deposit is reliable, I will definitely not let my life be tainted."

Shen Ming'e gave him a thumbs up.

"Let's go now. Goodbye."

"Goodbye, come back when you have time."

Ye Yaodong went out with a group of people. His sack was filled with several bottles of rapeseed oil, which he carried on his shoulders.

None of the seven people had anything left unloaded. Some carried two or three bags of flour, some carried rice, and some carried coarse food. Everyone's shoulders were full, and they were sweating profusely as soon as they walked out.

"Brother Dong, does that bank girl like you?"

"What nonsense! I already have a wife and children. That female comrade is a highly educated person. Don't talk nonsense."

"Hehe, I thought she fell in love with you, so she sent you so much food."

"No, it's a gift from the bank."

"No wonder..."

"Don't talk nonsense when you go back, and don't make blind guesses."

"clear."

He hasn't discussed with A Qing about depositing 20 yuan into the bank, but it's not a big problem.

If he saves a little more this month, he will be able to bring some money back home. He can then tell her the annual interest rate, and it will really be a huge profit.

The money on hand is just sitting there anyway. I have too much cash and I can't bear to spend so much of it, so I might as well save some of it and earn interest.

This amount is what he can afford now.

After moving all the food back home, Ye Yaodong rode his bicycle to the Chamber of Commerce.

Next, he stayed on the shore to receive the goods, which gave him plenty of time to spend in the Chamber of Commerce every day.

In the hot summer, you can play cards, eat watermelon and drink tea with everyone during the day.

After the sun sets, I go to the dock to collect and deliver goods.

When the fishmongers and bosses in the Chamber of Commerce heard that he didn't have to go out to sea to collect the goods, they all agreed. That's how it should be, workers are hired to do the work instead of having them do the work themselves.

Today happens to be a Friday and we have a meeting. Those who are free will come, while those who are not free are at sea or busy working in other places.

Now everyone inside is a familiar face to him. He has been staying in the Chamber of Commerce whenever he has free time in the past month or two, and it is not for nothing.

Today he happened to meet Li Shouquan, who was part of the fleet that caught shrimps last year. He also made a lot of money by collecting other people's shrimps last year.

Seeing him now, he hurried over to say hello.

When people saw him, they greeted him enthusiastically and wanted to put their arms around each other's shoulders, but they were a little short and couldn't reach him, so they just patted Ye Yaodong on the back.

After a brief chat, Ye Yaodong found out that they had come here at the beginning of last month, but had immediately gone out to sea to fish and had no time to come here.

He was very busy in the first half of the month, so he didn't meet him.

Since the middle of last month, he has been busy building a house and hasn't had time to come over, so we didn't meet.

I asked casually at this moment, and it turned out that he had also built a boat and converted it into a fresh food boat, which was specially used to collect the goods that he brought out from the village.

Ye Yaodong couldn't help but give him a thumbs up, "Great, it's good to keep the wealth within the family."

"Haha, I want to make any money I can, but I'm sorry, brother, I can't buy the goods from you this year."

"No, what's wrong with that? They are from your own village. It's normal for you to own a boat and collect profits. If there's money to be made, of course you should make it first. What's there to say?"

"Haha, I didn't think too much about it. That's good."

"No, I can't do that. Even if you want to collect it for me, I can't do it this year. I have a few more ships docking here. Now the freshwater collection ship has to go out to sea to collect one ship every day. I can't be busy at all."

"I saw you here and thought you were idle."

"I'll leave it all to the workers. I'll collect the goods on shore and deliver them to different places."

"That would save trouble."

An acquaintance nearby interrupted, "Boss Ye is in big trouble now. He has three or four hundred boatmen on hand, and he has fifty or sixty fishing boats. He can't even collect all the goods from his own people."

"You've made a lot of money, haven't you, President Ye?"

"The expenses are huge. It's a problem to accommodate so many people. I'm starting to build a house now..."

“You’ve only built 15 buildings, and you’re going to start again?”

"There are too many people and not enough accommodation. The factory will have five large ships to deliver goods soon, so we have to hire another group of workers..."

“Wow~”

Ye Yaodong spoke the truth and boasted, listening to everyone clicking their tongues and exclaiming in amazement.

People are like this, when there are flowers in full bloom, they like to join in the fun and have everyone carry the sedan chair.

Some people who were not very familiar with him originally began to praise him and make him the center of attention after they praised him.

Some fishmongers have started to choose him as their first choice when placing orders, and old friends have also increased their orders.

When you have money, you are surrounded by good people.

There was also a boss who asked him to go for a massage after the meeting.

"Didn't Lao Li's lover run a massage parlor? Let's go to her place..."

"No, no, I have to go out to sea tomorrow, you guys go..."

"You lied again. Didn't you say that the goods at sea were handed over to the workers? Why don't you just take over the goods yourself?"

"Ahahaha, hahaha..." Ye Yaodong laughed awkwardly.

"It won't delay anything. Go play for a while, relax, and then we can have dinner together later..."

"It's just... there's nothing wrong with going out for some fun..."

There was a boss on his left and a boss on his right sitting next to him, chatting with him. Ye Yaodong felt that he could not refuse such a kind of hospitality.

When they hold meetings now, they just set a time for everyone to communicate. In fact, there is nothing substantive to talk about. At most, they talk about a few new members and introduce the new members to make everyone more familiar with them.

Now there are people from all walks of life, all coming here to make money. As long as there are people, there will be consumption, and all kinds of supporting things will gradually emerge.

After a while, Ye Yaodong went to have dinner with a few bosses he was familiar with and had business dealings with, and paid the bill. Everyone became even more enthusiastic and invited him to go to the massage parlor and wouldn't let him leave.

Several people surrounded him and wouldn't let him leave, dragging him to the massage parlor.

He had no choice but to half-heartedly go along and enjoy it for a while, but when the clock struck, he left immediately.

But people still held him, asking him to continue and not to leave in a hurry, and also asked their younger sister to keep him.

Ye Yaodong was overwhelmed and quickly declined, saying that he had to go back before 8 o'clock and he had to abide by the rules he set.

As he spoke, he backed out and promised to deliver the goods to them on time tomorrow night, and then he quickly slipped away.

After he went out, he couldn't help sweating and almost lost his chastity. These old foxes know how to enjoy themselves after making money.

Ye Yaodong twisted his neck and got on the bicycle with ease.

You know what, it feels really good to pinch it a few times. He has been very busy for the past month, from the moment he opens his eyes to the moment he closes them. He is happiest when he counts his money.

But they have so many ways to be happy, damn.

These people can't even take home the money they earn, they have to spend it outside, and they even pay for their lovers to open a shop...

He has to keep his pockets shut!

The workers in the factory saw him coming back, still smelling sweet as he passed by them, and they all made faces at him.

"What's with that look on your face? I'm just going to discuss business, just socializing normally."

"I understand. It's just a show for the occasion..."

"We will never tell..."

Ye Yaodong glanced at them and felt the look in their eyes for himself.