Fan Hongyu didn't make any excuses, he said it straightforwardly.
"Treasury bills?"
Zhao Ge muttered something and repeated it, not understanding the reason at all.
Fan Hongyu laughed.
Treasury bills are a type of securities issued by central governments of various countries to make up for the lack of fiscal or treasury funds. They were first issued in the United Kingdom in the late nineteenth century. Subsequently, various Western capitalist countries have successively issued treasury bills. Because treasury bills use government financial funds
For protection, they have high reputation, strong liquidity and high yield. Therefore, in Western countries with relatively developed financial industries, treasury bills are the main object of securities investment and are also an important means for the central banks of various countries to intervene in the public operations of the capital market. In securities
occupies a large proportion in transactions.
As a reborn person, Fan Hongyu is familiar with treasury bills.
But in the mid-1980s, in our country, especially in the mainland, the vast majority of cadres and the masses had little understanding of treasury bonds.
In fact, our country began to issue treasury bonds as early as the early days of the founding of the People's Republic of China. At that time, it was called "People's Victory Public Bonds", and the unit was "cent". The first issue of public bonds totaled 100 million cents. Later, "National Economic Construction Bonds" were successively issued.
"Public Bonds", but in the late 1950s, affected by political trends, the country stopped issuing national bonds.
After the reform and opening up, starting in 1981, the country resumed the issuance of treasury bonds. However, the long-term planned economy era has restricted everyone's thinking. Many people do not understand clearly that treasury bonds are the same as the stocks originally issued. Subconsciously, they think this is
Capitalism. Most people have never heard of treasury bonds. For several years in a row, the issuance of treasury bonds has been in the form of a showdown. Mainly state cadres and staff as well as enterprise employees subscribed, and the money was directly deducted from their wages.
Some people also have strong objections to this method. They don’t even know that treasury bills can be circulated, they just keep them there. Individuals who buy treasury bills in small amounts have almost forgotten that it happened, and they can’t even remember the treasury bills that have expired.
Go cash it out.
In the mid-1980s, some people with more flexible thinking began to do the treasury bill business. There are two main ways. One is more formal, buying scattered expired or about to expire treasury bonds from private hands at a slightly lower price.
The treasury bills are collected together and exchanged at the bank. Generally speaking, the price of cash purchase is equal to or slightly higher than the face value. For example, for treasury bills with a face value of ten yuan, the holder is paid about ten or eleven yuan, and the acquirer then goes to
The bank cashes in and earns the interest spread. Usually, five-year treasury bills have an annual interest rate of 4%. A 10-dollar treasury bill matures in five years and can be cashed in for 12 yuan with interest.
It sounds like the price difference is not big, but in proportion, it is a net profit of 10% to 20%. If it is operated properly, a thousand yuan principal can quickly earn one or two hundred yuan.
There are also businesses that do relatively large businesses, and they also purchase unexpired treasury bills, but the purchase price is slightly lower than the face value. For treasury bills with a face value of ten yuan, the acquirer only pays nine or eight yuan, and after they expire, they can buy them.
If the bank cashes the money, it can earn a profit of 30 to 40%. The disadvantage of this is that it requires strong funds and can keep the treasury bills in hand for a year or two, waiting for them to be cashed out when they expire.
Another informal method is to directly modify the expiration time of treasury bills. Purchase unexpired treasury bills from the holders at a very low price, such as 30% off or even 35% off, and then use potion to change the face of the bonds.
information, pretending to be expired treasury bills and going to the bank to defraud the principal and interest.
In the early 1980s, the market economy had just begun to have some concept, and it was not even a prototype. The overall economic and social atmosphere was very good, and cases of fraud and abduction almost never happened. Everything was public against public.
The ideological concepts of most people are also very orthodox, and economic fraud is an extremely new term. The official currency issued by the country at that time did not have a high level of anti-counterfeiting, let alone treasury bills, and there were basically no anti-counterfeiting measures.
Therefore, people who engaged in this kind of informal treasury bill business were able to succeed frequently at first. After the country suffered losses, it gradually paid attention to this problem and took certain crackdowns and preventive measures.
Of course, it is impossible for Fan Hongyu to engage in this kind of "business" that is similar to fraud. What he wants to do is regular treasury bill trading. He can use his ideological emancipation and information advantages to make some money.
As far as Fan Hongyu knows, in the mid-1980s, the famous "Yang Wanwan" among the first batch of investors in the stock market initially made his fortune in the treasury bill business. With a principal of 100,000 yuan, he quickly made a fortune by rolling it over continuously.
Money. In another world, in the 1990s, when Officer Fan had nothing to do, he read the "biography" about Yang Wanwan and was very impressed by it. When he was working at the regional public security department, he
In the late 1980s, I also participated in handling criminal cases of treasury bill fraud, and I was very clear about the formal and informal operating methods.
At the moment, Fan Hongyu carefully introduced the basic process of treasury bill business to Zhao Ge.
Zhao Ge has a very smart mind. When Fan Hongyu said this, she immediately understood the general idea, but she was still a little worried. Her beautiful eyebrows frowned slightly, she bent her elbows, held her fair and delicate chin, and looked at Fan Hongyu.
, hesitantly said: "Hongyu, are you afraid that people won't be willing to do this business? If he goes to the bank to run the expired treasury bills, ten yuan can be converted into twelve yuan. Why should he sell them at the original price?"
Fan Hongyu smiled slightly and said: "There are still some people who don't understand. Besides, most people are afraid of trouble. Government staff generally don't have many treasury bills in their hands, only about ten yuan, and no more than twenty or thirty yuan."
, the interest is only a few yuan, and with this amount of money, they are generally unwilling to go to the bank, come to buy it, exchange it for equal value, or give them an extra dollar. Usually they just change it casually, and they don't have the patience to go any further. This business
, the key is that the base is relatively large, if five out of ten people are willing to trade with us, then they will make a fortune."
Zhao Ge thought for a while and nodded lightly.
When she was meditating, her beautiful eyebrows were lightly frowned, her small nose was slightly turned up, and her red lips were tightly pursed. She looked so beautiful under the light that Fan Hongyu was in a daze for a moment.
This momentary loss of composure did not escape Zhao Ge's eyes. He couldn't help but smile slightly and said: "Hongyu, what you said makes sense. However, this business requires a lot of capital, right?"
Although he has a general understanding of the treasury bond business, everyone has a fixed mindset. Zhao Ge always feels that using money to make money must require a lot of principal, and he feels quite uneasy. After all, this kind of "financial transaction",
For her, it is a completely new field.
Fan Hongyu said with a smile: "With big capital, there are big ways, and with small capital, there are small ways. Now we can only start from a small place. Sister Ge'er, give me a solid foundation. If you really want to do this business, what can you do?"
How much does it cost?"
"Me? How much money can I have... This shop is rented. It cost more than a thousand to buy these furniture and stoves. My dad and I invested all our savings and borrowed some money. Now we still have to pay for it."
After paying off the debt, I can have at most two thousand yuan in my hand."
Zhao Ge looked at Fan Hongyu and told the truth.
Fan Hongyu laughed and said jokingly: "You little rich woman."
Zhao Ge also laughed and said, "Two thousand yuan makes me a little rich woman, right?"
"Isn't that right? I have been working for more than two months and received two wages. The total sum is less than two hundred. I have eaten it all and am in good health. I only have twenty yuan in my pocket now. You have two
A thousand yuan, isn’t she a little rich woman? You can open a small restaurant for a year and earn two to three thousand yuan. You are quite capable.”
Fan Hongyu sighed with a little joking.
Zhao Ge smiled sweetly, feeling a little proud. For some reason, she cared about Fan Hongyu's opinion of her. Fan Hongyu praised her for her ability, and Zhao Ge felt particularly happy.
"But, for such a big business, two thousand yuan is not enough, right?"
After laughing, Zhao Ge became worried again.
Fan Hongyu said: "Two thousand yuan is a bit too little, but if you think about it in detail, you can start working on it. If the operation goes well, the turnover will be three times a month, and the gross profit will be 700 to 800 yuan. If it is done well, it can be 1000 yuan."
"so much?"
Zhao Ge was shocked and looked at Fan Hongyu in disbelief.
Two thousand yuan a month to earn one thousand yuan, 50% profit, how much better? It is much better than her opening a small restaurant. Come to think of it, she doesn't have to get up early and stay late, it is definitely much easier than opening a small restaurant.
"This is an estimate, and it's gross profit, not pure profit. To do this business, you can't do it by yourself. You have to hire someone. Find a few people to collect treasury bills for you..." At this point, Fan Hongyu glanced at
With a bright face, Zhao Ge shook his head slightly and said: "You are so beautiful, it's not safe to walk around the streets to buy treasury bonds."
Zhao Ge's pretty face blushed slightly, and suddenly asked softly: "Do you really think I'm beautiful?"
As he spoke, he bit his lip, showing shyness.
Fan Hongyu said in surprise: "Do you still think this? She is very beautiful to begin with. Our agricultural machinery factory will never find another girl as beautiful as you."
"Really……"
Zhao Ge bit his lip and lowered his head. Two delicate blushes appeared on his fair cheeks.
"It must be true. Anyone with eyes can see it." Fan Hongyu praised Zhao Ge again, and then said: "Go back to your hometown and hire someone, find someone who is more flexible and reliable, and you can take care of yourself."
Living here, the salary is sixty yuan a month... not too low, comparable to that of an apprentice worker in the factory. There are about four people, and the monthly expenses are about three hundred yuan, and there is still a profit of four to five hundred yuan.
Of course, in terms of principal, we have to think of ways to get more, preferably around ten thousand. This way we can make a little profit and get rich faster."
"Ten thousand dollars?"
Zhao Ge's eyes widened again.
PS: Please recommend, please recommend!!!
{Piaotian Literature www.ptwxz.com thanks all book friends for their support, your support is our greatest motivation}