Courtyard House: Drunk and tipsy, the whole courtyard exposed at the start.

Zhang Dabiao spent a long time providing documentation and had just seen off the police officers from the Municipal Bureau when Director Zhao arrived in person. News of the contract signing in Hong Kong had arrived; the Japanese side had already transferred the money to the Lou Clan Chamber of Commerce in Hong Kong. The next step was to remit the agreed-upon profit sharing to Zhang Dabiao.

So Director Zhao wanted Zhang Dabiao to use the ministry's account. You have to understand, last year, in 1959, the country's foreign exchange reserves were only 1.05 million US dollars. Zhang Dabiao's order of 8 US dollars was equivalent to 7.6% of the country's foreign exchange reserves! Before that, those ambitious small commodity manufacturing plants only had a total export value of 12 US dollars in half a year! And then they couldn't export anymore.

You could say Zhang Dabiao was worth half the factory by himself!

Do you think it's important or not?

Director Zhao was complaining about being poor, saying that the work in the ministry was difficult, that Section Chief Tian had already been criticized and transferred by the ministry, and that the previous matter was due to the ministry's lack of consideration. He asked Comrade Zhang Dabiao to understand the ministry's difficulties.

In addition, the country cannot register or recognize patents, otherwise our country would not be able to afford so many patent licensing fees from foreign countries. That's why we turn a blind eye and let you handle the patent matters yourself, but we didn't expect you to actually succeed!

The country needs foreign exchange to buy food and equipment, so each department has its own foreign exchange quota. Whether you withdraw the money yourself or through the department's account, it's all the same, right?

Even bank staff from Beijing came to the door, including a director-level leader.

In the end, Zhang Dabiao agreed to the request to go through the Ministry of Foreign Trade's account. In reality, the Ministry of Foreign Trade gave Zhang Dabiao the identity of a "part-time designer," who was affiliated with the Ministry and had a special account within the Ministry. If he had similar overseas income in the future, the Ministry would help him process it.

Zhang Dabiao went to the Lou family and told them, then called them to give them his account number, and they took care of everything.

The funds arrived within 3 days.

Because he only had 80% of the amount, which was 80,000 US dollars, he exchanged it for 196,960 yuan.

In addition, to encourage foreign exchange earnings, the government would issue remittance certificates based on a certain percentage of remittances (converted to RMB). "When residents sell foreign exchange equivalent to 100 RMB to the government, they can receive 20-30 remittance certificates." These remittance certificates were "certificates" of the right to purchase scarce goods, not monetary value.

Applicability of non-overseas remittance foreign exchange: In 1960, during the Three Years of Hardship, in order to encourage various foreign exchange incomes, personal non-overseas remittance foreign exchange (such as patent licensing fees) was usually issued as remittance certificates at the same standard as overseas remittances.

In short, the $8 is personal foreign exchange that is not remitted by overseas relatives (not money sent from overseas to support the family). The country needs to reward Zhang Dabiao with a large amount of remittance certificates, but the bank's senior management needs to discuss the proportion to issue them. There is another very important thing. In this era, there are prize-winning savings, such as "regular fixed-amount prize-winning savings" and "zero-deposit lump-sum withdrawal prize-winning stamp savings".

Zhang Dabiao has received too much. The bank needs to discuss and study how to distribute it. They will give Zhang Dabiao a unified answer by the end of next month.

Zhang Dabiao agreed to this point; there was nothing he could do if he disagreed.

As for the money, Zhang Dabiao deposited it directly into the bank and then applied for a fixed deposit.

Then, the entire Nanluoguxiang area was in an uproar after hearing the news.

At such a young age, he already has a net worth of 20 yuan, which is perfectly legal and legitimate!

It also generated foreign exchange for the country!

Isn't that awesome?!

I used to think that Yi Zhonghai had more than 10,000 yuan in savings. He was a millionaire in the 1960s. He was amazing, right?

But how does he compare to Zhang Dabiao?

Someone drew a picture, designed some ridiculous lighter, and made 20 yuan!

Whether others are envious or not is unknown, but Qin Huairu is already crying her eyes out in the bathroom.

I regret it so much!

"Da Biao, are you treating us to dinner?!"

Xu Damao and the others sidled up to him with a sly grin. They were envious of the 20 yuan they had just earned, but not jealous, because Da Biao had earned it legally and legitimately through his own intelligence. The country had no objections, so they dared not have any.

Zhang Dabiao thought about it and realized that they had made too much money, so it wouldn't be right not to invite them.

How about we go for a hot pot in the small courtyard?

go!

------------

Mu Wanqing was naturally overjoyed by Zhang Dabiao's sudden wealth, thinking that the man she had chosen was capable. The news spread throughout the factory, and everyone was incredulous—the factory beauty Mu Wanqing's boyfriend was originally just a middle school student, whose family owned only two side rooms and a small plot of land for growing vegetables. Rumor had it that he had some mental issues, and he was alone and destitute.

At first, everyone thought that idiot wasn't good enough for our factory beauty, Mu Wanqing, but now it seems—

That means Mu Wanqing is marrying above her station!

20 for 60 years! Reasonable and legal!

This is some damn high-ranking official's son; even the old guard might not be able to compare!

The remnants of capitalist society may have money, but do they dare to use it?

But Zhang Dabiao can use it however he wants!

Ordinary small capitalists and small business owners may not have as much money as Zhang Dabiao.

More importantly, after the Ministry of Foreign Trade completed its mission, the money was deposited into the National Bank for Zhang Dabiao, and I heard it was worth interest, and the interest rate was quite high.

Zhang Dabiao simply scraped together more money and borrowed more to make it a total of 20 yuan. He borrowed money from Xu Damao and He Yushui, and added the two thousand yuan he had on hand to make a ten-year fixed deposit.

Anyway, you could only do business in the 80s. Now that you have a lot of money, it's not very useful to just keep it on hand.

I'd love to start a business and open a factory, but the higher-ups won't let me.

Moreover, such a large sum of money would attract thieves and other people who coveted it, and people would come to borrow money every few days. So Zhang Dabiao simply made a fixed deposit and withdrawal to keep things quiet.

Depositing money for ten years is also for insurance purposes. If the time is too long, something might happen, or the interest rate might change, and it's hard to say what will happen.

And I'm not in a hurry to build the house, but the current annual interest rate has reached 6.12%!

The interest on a principal of 200,000 yuan in one year is 12,240 yuan.

Simply put, with the annual interest added, a 20 yuan fixed deposit over 60 years with a 20-year term...

When it's withdrawn after 70 years, it should have been worth around 36.

In any case, Zhang Dabiao is now completely free from worries about food, clothing, work, and money.

For a moment, he found himself without any goals.

When the people in the courtyard heard him say that the annual interest would be 12,240 yuan, which is equivalent to 1020 yuan per month...

They're worth more than ten level-eight workers!

Moreover, Zhang Dabiao's official monthly salary is over one hundred...

There are also receipts for each reward given by the work unit, the street office, the ministry, and the municipal bureau...

The factory even provided him with a bicycle, so you could say Zhang Dabiao had everything he needed.

Everyone was completely speechless.

The richest man in Nanluoguxiang!

The richest man eats well every day, with meat and delicacies at every meal. Will no one report him this time?

"Mr. Zhang, you've come to eat braised pork belly in person today?"

"Mr. Zhang, you're here to buy groceries in person?"

"Mr. Zhang, are you going to take a dump yourself...?"

Zhang Dabiao...

[What the hell!]

He used to understand that capitalists should keep a low profile, but now he completely understands why they should keep a low profile—he can empathize with them!

And you know what? The day after I deposited the money, someone came to my door to borrow it.

Qin Huairu and Jia Dongxu were among them; after all, Jia Dongxu was her distant cousin.

But Zhang Dabiao refused them all, and produced the IOUs he had with Xu Damao and others: "I still owe Damao and Yushui 500 yuan each. I don't have any money on hand, and even if I did, I wouldn't lend it!"

"I've had nothing to do with your Jia family since we were old friends, have you forgotten?"

I'd rather be called a stingy person than open that door.

Borrowing money is out of the question; I'm already in debt, and the money in my bank account is a fixed deposit that I can't touch.

But to the neighbors in the courtyard, Zhang Dabiao had donated money to the mutual aid association, sold three workstations to families in need, and the mutual aid association also helped everyone exchange and borrow grain. To be honest, he had done everything he could, and most people wouldn't say that he was rich but heartless.

Those who dislike him now are just resentful of the rich, so Zhang Dabiao is even more afraid to build a house at this critical juncture.

That's how we'll live our lives.