Chapter 002 Hanzhou Commercial Bank
There were still cold rice left over from lunch on the dining table.
Fu Zhengyi, who rushed into the room and pried open the drawer, found his father's passbook, seal and household registration book, and then he felt a little worried.
The passbook that needs to be replaced soon has detailed deposit and withdrawal records.
The first few pages are only a few dozen, and the more are only a hundred.
And the last two transactions, one is 20,000, and the other is 90,000.
The first one was borrowed by my father from my uncle, and the next one was borrowed by my mother from my uncle's house.
In 1994, the 110,000 borrowed was considered a huge sum of money for any ordinary family.
The wages of workers in 1994 are more than 300 per month.
The newly graduated college student only costs more than 200 yuan. The mother Zheng Yufen, who retired from illness, only received 160 yuan. Although the father who opened a snack bar is much better than being a worker, he only earns a thousand yuan a month from morning to night.
150,000 yuan!
There are so many numbers on the last passbook.
In Hanzhou in 1994, the total salary income of ordinary workers was equivalent to more than 30 years of more than 30 years of income, which was enough to buy three private houses worth hundreds of square meters. If you eat vegetable noodles every morning, noon and evening, it would be enough to have a person for 140 years, and it would be enough to open a restaurant, not a small restaurant.
For Fu Zhengyi in his previous life, this money will become the heavy debt he needs to bear for more than ten years from the day after tomorrow, and it is the main reason why his high school grades plummeted.
Of course, to be clear, it is precisely because of this heavy debt that he got rid of his title of "coward" in college, and also made him constantly look for jobs and change jobs, and finally took advantage of his super memory.
The day after tomorrow, the money will be transferred to the account of the fraud company. The parents who return home four days later will soon face the pile of worthless daily necessities shipped, in a daze, and wait for the disaster to come in a daze!
The chaotic and embarrassing time that 1994 years later appeared in front of me. Fu Zhengyi thought it was a nightmare.
Only worse, no worst!
After the incident, his grades plummeted. He who could have been admitted to the second-tier university, but he entered the TV University. After graduation, he went to the Magic City and was lost in the prosperity and decadence of the metropolis, so he began to fall into the depravity. If it weren't for the appearance of Li Xueyao, who later became his wife, how could he have cheered up again?
Fu Zhengyi, who considers himself a plain person, got married many years later than ordinary people because of that wasteful time. He had children, which made him his wife Li Xueyao, who had the title of 2007, had all her longings and dreams not come true until she got married, so she became his bride and became a housewife, and had to work harder for life...
Thinking of Fu Zhengyi here, the scene of seeing Li Xueyao for the first time appeared in front of him, but from the corner of his eyes he noticed that it was already three o'clock in the afternoon, and he immediately woke up.
The bank is about to get off work in an hour and a half, so I don’t have time to sort out my memories anymore.
Put on his clothes and put on his father's passbook, seal, household registration book and his ID card. Fu Zhengyi, who went out, went straight to the bank.
Fu Zhengyi, who walked into Hanzhou Commercial Bank, felt the comfort of the air conditioner, but immediately frowned.
There are many people!
There are too many people!
In 1994, banks did not have VIP windows, and there were not many counters to handle business.
There were twenty or thirty people lined up outside the three windows, and the crowded people were lined up at the corner of the lobby, making Fu Zhengyi unable to find any gap even if he wanted to go to the line.
I haven't entered the bank much back then, so Fu Zhengyi could only be honestly in the queue at window No. 3 and wait patiently for his turn.
After two minutes, he would glance at the wall clock hanging in the lobby. Fu Zhengyi, who was in an increasingly bored mood, wanted to drive away everyone in front of him.
I was bored, but I saw the notice posted on the wall. It turned out that Hanzhou Commercial Bank would upgrade the internal system on the afternoon of the 29th, and related inquiries would not be normal until next Monday.
There is nothing to do, and you can't show any rush. By four o'clock, there are thirteen more in front.
At five o'clock, there are four left in front.
In the 1994 banking industry, the speed of handling business was so slow that it was so slow that the tellers at the window would get up and leave from time to time, which made the waiting people stare at them, but no one would think of complaining.
Local state-owned enterprises are inefficient, have overestimated people, and are extremely irresponsible in their work attitude.
The disadvantages are naturally not needed to be explained in detail.
But for Fu Zhengyi, who is standing in the team, the benefits are particularly obvious.
Although he had his father's passbook and seal in his hand, he didn't know the password of his father's passbook.
If I want to withdraw the huge 150,000 yuan in it today, even if my father comes here to handle it himself, he needs to make the teller more convenient.
Fu Zhengyi is quite familiar with the rules of the bank, so he plans to apply for a savings card for himself first, and then transfer all the money in the passbook to his card, so that he can avoid withdrawing a large amount of cash.
It's five-twenty.
The old man in front finally finished it.
Fu Zhengyi, who stood in front of the window, quickly handed in the ID card and the account opening form he had filled in.
The female teller inside started the processing casually and handed out the savings card five minutes later.
Fu Zhengyi, who was patient, waited without waiting for the teller to stand up and leave, quickly stuffed his father's passbook in and asked to transfer the money from the passbook into the savings card that he had just opened an account.
The bank teller who wanted to get up and drink water frowned, but sat down and took the passbook.
When the bank teller saw the amount inside, he became alert. "So much? Whose passbook is this?"
Fu Zhengyi, who was calmly stuffed his household registration book into the corner of his lips, raised his smile and said, "It's my father's. He was on a business trip, so he asked me to come here to handle the household registration book..."
The bank teller, who said oh, took Fu Zhengyi's ID card and compared it with him, then carefully checked the household registration book. After a moment, his brows stretched out and bent down to start processing.
Seeing this, Fu Zhengyi's heart, which had already reached his throat, fell back.
At this moment, the door between the bank counter was opened. A male banker in a bank uniform stood at the door with several passbooks and ID cards. Seeing that the three counters were busy, he couldn't help but frown. He raised his head and looked at the wall clock hanging in the lobby. He was about to leave but saw Fu Zhengyi, who was lowering his head and waiting for the business to handle it.
The male priest, who was stunned for a moment, exclaimed, then strode to window No. 3, bent down and looked at Fu Zhengyi outside the window, and said, "Zhengyi? Why are you here?"
Fu Zhengyi, who looked up, couldn't help but be stunned. "Brother?"
The bank teller who was handling the business raised his head, glanced at the male leaping beside him and laughed softly. "Fu Zhengming, your brother?"
"It's not my brother, it's my third uncle's little cousin..."
Fu Zhengming, who was answering, lowered his head to look at the order in front of the bank teller, and his expression suddenly became serious. After lowering his voice and asking about the business he was handling, he said a few more words to the teller, then put away the procedures the female teller was going through, raised his head and glared at Fu Zhengyi and signaled him to wait outside.
When meeting this person, Fu Zhengyi's heart was completely cold.
This person is Fu Zhengming, the eldest son of his uncle's family. He is 1.85 meters tall and strong, eight years older than Fu Zhengyi. He is also the best one among the generations of the Fu family.
After graduating from university, he joined the credit department of Hanzhou Commercial Bank. After six years of work, he was admitted to Pengcheng Bank in the South. He worked for three years and was promoted to a department-level cadre because he was elected as the secretary of the president.
This cousin, who is a clever but very rigid cousin, has a cold face and kind heart. In Fu Zhengyi's previous life, he took the initiative to let his uncle get his family's debts. However, with Fu Zhengming's personality, encountering here is definitely not a good thing!
Fu Zhengming, who walked around the counter, took Fu Zhengyi to the left side of the lobby, raised the passbook in his hand and asked, "What do you want to do?"
"Brother, I need to transfer my dad's money, otherwise he will..."
"Transfer? Do you know what you are doing?" Before Fu Zhengyi finished speaking, Fu Zhengming interrupted him. He wanted to get angry but noticed that the depositors in line were looking at this side. So he pressed the fire and pushed Fu Zhengyi to the flowerpot in the corner, blocking the view of the depositors behind him before speaking. "Zhengyi, do you know that this is breaking the law? Strictly speaking, you are stealing! Theft! Do you know the consequences of theft? This huge amount of money is enough to get arrested and jailed!"
Fu Zhengyi, who was in his previous life, was respectful and fearful to this cousin, but at this time Fu Zhengyi was able to refute. "This is my father's passbook, why is it theft..."
"It's a steal if you don't sue! You dare to do this as soon as your father left! Do you think you can deceive me?"
Seeing that Fu Zhengyi dared to refute, Fu Zhengming, who became more angry, raised his hand and wanted to slap him, but he immediately thought that the occasion was wrong here, and suppressed his anger and slowed down his voice. "Zhengyi, you can't do stupid things! You can't use it if you take so much money. Tell me, tell me, as long as it's not illegal, anything is easy to say!"
"Brother, my dad was cheated when he went to Yunsheng. If he used all the money, my family would be over!"
Fu Zhengming felt relieved when he heard this. Uncle San borrowed money some time ago to start a new business. He knew and searched for some information. He was very optimistic about the other company's new sales model. So although what his cousin did today is definitely wrong, his starting point is not very problematic.
So Fu Zhengming turned his face and glanced at the wall clock hanging in the lobby. Seeing that it was getting late, he thought that his work had not been completed, and he was a little anxious, but he still patiently advised. "Justice, the business method similar to Meifang Company represents the advanced sales model of Western countries. This is a promising emerging industry. Your father's career change is much better than his guarding the snack bar. Although you don't understand these, my brother told you that if your father does a good job, the future is very good. Your current task is to go to school. The rest are all adults' affairs, so don't participate!"
I just remembered that some sales models were classified as illegal by the state in 1998. At this time, fraud companies that began to spread under various names were just in their infancy. Because companies that adopted the new sales model were very deceptive and deceived, Fu Zhengyi quickly explained. "Brother! Dad was not joining Meifang Company, he joined... Yes, yes..."
Fu Zhengyi, who couldn't remember the name of the fraud company, frowned, and Fu Zhengming, who heard this, completely relaxed. "Okay, okay! Since you are not doing bad things, I don't care about that much, but remember that it is illegal to transfer the money in his account without your father's consent. It is a crime and will be arrested and locked up by the police! All of these things are left here, and I will give it to you when your father comes back!"
Fu Zhengyi was anxious when he heard this. Without the passbook, he was completely finished. He quickly grabbed Fu Zhengming and admitted that he had done bad things with kindness. It would be better to take the passbook back and put them at home by himself. Otherwise, when his parents come home, they will not be kept in the matter, and he will definitely be dealt with!
Fu Zhengming, who had been stern, finally smiled when he heard it. "You know you are afraid? You know you are afraid, so you have grown up. Take your things home quickly. You can't lose them if you put them in a million! This money is not just your savings, but it will be awesome if something happens..."
He was scolded and told to do it again. After Fu Zhengming left, he looked up at the time. Fu Zhengyi knew that there was no chance today.
After Fu Zhengyi left, Fu Zhengming, who had finished the matter, was still a little worried. So he found the manager in charge of the counter business. After finding his third uncle Fu Taiwen's bank account through the system, he made notes in the deposit and withdrawal column of the account. In this way, if his cousin comes to handle the business again in the past few days, the banker who saw the notes would immediately notify him.
Fu Zhengming, who didn't know that he would also note the account, thought hard after returning home.
Chapter completed!