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Chapter 3 I want to sell treasury bills

A crisp slap shocked Su Han, Zhang Lei and Huang Zheng. Huang Zheng covered his face and glared at Zhou Ming and said, "You dare to hit me?"

Zhou Ming clenched his ears and smiled and said, "Is that true? Does anyone know? But now all three of us have seen you hit me in the face just now. What should I do?"

My face hit you in the hand?

Zhou Ming's logic did not make Huang Zheng feel angry all of a sudden. He now regretted that he had invited the security department to leave. He really didn't expect that he would really dare to do something to himself in the factory.

Huang Zheng was so angry that he trembled all over. He pointed at Zhou Ming and said, "Okay, you're so nice. Don't let me know who you are, or I will kill you!"

Zhou Ming raised his eyelids: "Is that so? My Qilin arm can't be controlled anymore. It seems that what should I do if I'm going to be slapped in the face again?"

Seeing Zhou Ming lifting his hand, Huang Zheng hurriedly ran away in shame.

Seeing that Huang Zheng had left, Su Han thanked Zhou Ming, and Zhou Ming waved his hand and said, "It doesn't matter, but Xiaohan, you are the same. If you don't look for us if such a big thing happens, don't you treat us as friends?"

Su Han lowered his head and said without saying a word. Zhou Ming said, "Xiaohan is now without power and power. There is no easy way to deal with Huang Zheng. However, it is not a problem that he is looking for people from the factory security department to come to you every day. Otherwise, you should not open this restaurant, right? Let's find a way to make money first. When we have money and power in the future, we will find a way to deal with Huang Zheng."

Su Han looked at Zhou Ming blankly and said, "Zhou Ming, you... want to deal with Huang Zheng?"

"Of course," Zhou Ming should have said, "Xiao Han, you are bullied, of course I want to avenge you."

"Thank you Zhou Ming," Su Han was very moved, "But what can I do if I don't open a restaurant? Do other businesses? This is not OK. Huang Zheng said that no matter what I do, he will make trouble. Moreover, I borrowed a lot of money from my relatives to open a restaurant. Now my brother also needs money to go to school. Now I run a restaurant. Although he always makes trouble, as long as I save some money, I can save money. If the restaurant is closed..."

Although Su Han didn't finish her words, Zhou Ming also understood what she meant. Zhou Ming said: "That's not necessarily the case. I have a business here to ensure that you can make the most money in the shortest time, and no one can make trouble."

Su Han blinked his beautiful big eyes and said in confusion: "Zhou Ming, what business are you going to do?"

"I want to resell the treasury bills," said Zhou Ming.

"Reselling treasury bonds? Can this thing be resold?" Su Han and Zhang Lei suddenly widened their eyes, looking incredible as if they had seen a god descending to earth.

In fact, it is not a big deal for Su Han and Zhang Lei to have such expressions. After all, in this era, when they realized the value of treasury bills and knew that treasury bills were, not to mention reselling them. Su Han and Zhang Lei had treasury bills at home, but they didn’t know what this thing was for.

In fact, treasury bonds are a type of treasury bonds, both of which are the state governing society and the people borrow money. They are a government bond issued by the state fiscal authorities to make up for the imbalance of treasury revenue and expenditure. They were first invented by the British in 1877. Since the debtor is a country, it is guaranteed to be the country's fiscal revenue and has almost no default risk, it is the most stable investment channel in the financial market.

However, as a rebirth, Zhou Ming knew that treasury bonds were extremely profitable, especially in the late 1980s, because the interest rate of treasury bonds was much higher than that of later generations, usually more than ten percentage points, and the higher ones could even reach fifteen percentage points. In layman's terms, it was a treasury bond of 100 yuan. If it was paid to the bank for maturity, it would be able to get 110 to 115 yuan, based on one year period, with principal and interest. If it was a three-year and five-year period, the money could be obtained.

In fact, the business of reselling treasury bills was the most prosperous at this time. In Zhou Ming's impression, there was a man in Jiangnan who became a millionaire by reselling treasury bills. You should know that in this era, in a relatively remote place like the 760 Factory, even households with tens of thousands of yuan could be commended. The status of a millionaire is probably no lower than that of the group boss who could have had a meal with provincial leaders in the future.

And counting the time, the millionaire's journey to becoming rich should have begun, but it will take at least one to two years to get this trend. And at that time, when people suddenly discovered that treasury bonds could be bought and sold and made money, I was afraid that the business here would have been snatched up by themselves.

"Of course," Zhou Ming explained to Su Han and Zhang Lei, "You see, if we can have treasury bills worth ten thousand yuan and exchange them in the bank, we can exchange them for at least 1,000 yuan of interest. Do you think this is a business that is profitable?"

"But... can the bank exchange this thing? The factory distributes this thing every year, but I have never seen anyone go to the bank to exchange money." Zhang Lei said worriedly.

Zhou Ming smiled and said, "It is because they don't know that we can make money! If they all know, how can we make money?"

Su Han understood Zhou Ming's thought at this time: "Zhou Ming, you mean that we can take back the Treasury bonds at the face value of the Treasury bonds at a price that is even lower, and then go to the bank to exchange them. Not only can we exchange them for the face price of the Treasury bonds, but we can even get at least 10% of the interest, right?"

Zhou Ming gave Su Han a thumbs up: "Xiaohan is so smart, she deserves to be the boss of Xiaohan Restaurant."

Su Han took a breath, his eyes full of shock, because if it was really like Zhou Ming said, one hundred yuan could make ten yuan, one thousand yuan could make one hundred yuan, and one thousand yuan could make one thousand yuan. And the most important thing is that it doesn't take much time, it's just that they've been going to the bank, if... this really works.

Zhou Ming looked at Su Han and Zhang Lei, and of course he understood the doubts of these two friends: "I know you still have some doubts now, which is normal. After all, the money made in this business is too easy."

Zhang Lei nodded desperately. In his opinion, the workers working in the factory work hard for less than 100 yuan a month. Even those factory leaders will not exceed 600 yuan a month unless they are some departments with a lot of oil and water. Now, as long as Zhou Ming has enough principal, he can earn more than the salary of the factory leaders by traveling to the bank. How is this possible!

Zhou Ming felt that it was normal for Su Han and Zhang Lei’s doubts. After all, the factory has always been in the era of planned economy, and no one has the concept of a market economy, let alone a financial concept.

So Zhou Ming said: "It doesn't matter if you don't believe it. It's just that hearing is false. Then your family works in the factory, so your family should also have treasury bills, right?"

Su Han immediately understood Zhou Ming’s plan: “Zhou Ming, are you asking us to exchange the Treasury bills for the bank first?”

"Yes, the county bank is only half an hour away from the factory," said Zhou Ming.

"Okay, I remember that my brother-in-law has a lot of them. My sister complains to me every day that this thing is not useful in the factory! I will bring it all now," said Zhang Lei.

Zhou Mingen said, "Okay, but remember that you must not tell others about this, because once others know, it will be difficult for us to make money. Do you understand?"

"I understand." Zhang Lei said.

...

In this era, banks were not as blooming as in later generations, so there was no bank here in Factory 760, so there was only one in Nanhui County. Fortunately, Factory 760 was not far from the county town, so Zhou Ming and the others arrived after walking for half an hour.

Zhou Ming, Su Han and Zhang Lei came to the gate of the Agricultural Bank of Nanhui County with their own treasury bonds. Su Han looked at the police station not far away and couldn't help but worry: "Zhou Ming, are you sure this treasury bond can really be exchanged for money? If it doesn't work, will the bank call the police and arrest us?"

"How could it be? Treasury bills were originally the money the country borrowed from us. We are the creditors of the country. Now it is natural to find the country to repay the money."

Zhou Ming said that, he took the lead in going to the Agricultural Bank of China, leaving only Su Han and Zhang Lei there blankly, because Zhou Ming's words just now have completely exceeded their perception. For them, the country should be omnipotent, and all the money he uses is paid by the state. Why is the country still short of money? If you lack money and send more money, why would you still borrow money from the people?

When he walked into the Agricultural Bank of China, Zhou Ming lined up to the counter, handed the treasury bonds of the three of them in and said, "Hello, sister, I'll exchange the treasury bonds."

Seeing that the elder sister inside took Zhou Ming's treasury bills, Su Han and Zhang Lei's hearts were beating in their throats and stared at them nervously, for fear that the elder sister would throw the treasury bills out and scold them for making trouble. But the next scene surprised them. After counting the treasury bills seriously, the elder sister inside used a calculator to calculate it before saying to Zhou Ming: "Your treasury bills are 300 yuan in total, including 100 yuan in three years and 200 yuan in five years, and the principal and interest are 468 yuan and 200 yuan in total."

Zhou Ming nodded about the numbers reported by his elder sister. This was similar to the results he calculated. Zhou Ming took the money handed over by his elder sister and took Su Han and Zhang Lei out of the Agricultural Bank.

"How is it? Now do you believe that the Treasury bonds can be exchanged for money?" Zhou Mingyang said to Su Han and Zhang Lei with the brand new money in his hand.

Zhang Lei looked at the money in Zhou Ming's hand blankly and murmured: "My God, can this thing really be exchanged for money? And it can be exchanged for so much. Be good, it's almost two months' salary."

Su Han jumped up with joy and said to Zhou Ming excitedly: "Zhou Ming, you are so awesome! How did you know that this treasury bond can be exchanged for money?"

"Xiaohan, have you forgotten that I was studying in economics in college?" Zhou Ming said.

"So that's it. Zhou Ming, you are a college student, are different. You are so smart. We can't compare to you." Su Han said, "Then let's go back and collect treasury bills now? I know that many treasury bills from many people in our factory are useless to put them at home!"

Zhou Ming said, "No hurry. We have no money now, so we can't collect much. And once others know about this, we will have no money to make money."

Su Han thought it was indeed what Zhou Ming said: "Then what should we do? We don't have money!"

"We all have no money, but there are always people who have money. This is why I must call out Dazhuang. Because of his brother-in-law, he knows where to borrow usury." Zhou Ming said.
Chapter completed!
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