Courtyard House: My Time Travel is a Bit Too Strong

"It's supposedly the top university in Chongqing, but the buildings are old, the roads are narrow, and there isn't even a decent laboratory." He walked along the tree-lined path, observing everything at a leisurely pace, already having made up his mind. He took out his phone and dialed several numbers in quick succession.

At 3 p.m., Chung Tin and Chung Yu arrived at the campus one after the other. Chung Tin, on behalf of Wondershare Electronics Factory, donated 200 million RMB to the school, specifically for the construction of new teaching buildings, research centers, student dormitories, and standard football and basketball courts; Chung Yu, on behalf of Tung Sheng Computer Factory, donated 1,000 brand new desktop computers.

Meanwhile, Zhong Guohong was sitting quietly in the classroom, listening to the lesson. The students in the class ranged in age from just nineteen to over thirty. Many of them were wearing work clothes and were part-time trainees sent by their workplaces.

As soon as the bell rang, he strolled into the corridor, took out a Tashan cigarette, lit it, and slowly took a puff, looking relaxed and carefree. He had redeemed this cigarette from the system's in-game store; it was nicotine-free, but the taste and texture were almost identical to the real thing. A pack of Tashan cigarettes cost ten yuan in the market.

"Where do you work?" a young man in his thirties asked from beside me.

"My main job is carrying loads at Xiangtianmen, and my side job is dabbling in stocks." Zhong Guohong casually handed over a cigarette.

"Zhao Zhicheng, from the Agricultural Bank. You actually trade stocks?" The other person took a cigarette, struck a match, and lit it.

"Just playing around. If I make money, it's luck; if I lose, it's tuition," he laughed.

"The market has been sluggish since last year," Zhao Zhicheng said, exhaling a puff of smoke.

Zhong Guohong paused briefly, then exchanged Chinese Yuan for a set of practical stock trading knowledge. In the blink of an eye, the logic of the market, the flow of funds, and the language of candlestick charts were all etched into his mind.

He started speaking immediately, his points were clear and his examples were concrete. He spoke for five or six minutes, and even when the bell rang for class, Zhao Zhicheng took a half step forward, still wanting to continue.

I took a stroll around the cafeteria at noon, sampled the bland food, and wandered around for a while. I looked at the newly laid bricks to the east and the renovated walls to the west, and my lunch break passed by quietly.

As soon as get out of class ended, three or four people surrounded him, asking how to choose stocks, how to read financial statements, and how to avoid pitfalls. Zhong Guohong answered every question without reservation. There weren't many self-funded students in the class; most were government-funded... weren't they all key personnel being groomed by their factories or bureaus? During the day, they sat in the classroom listening to lectures, and after class, some went back to their units to work overtime, while others took the subway to commute. But what about Zhong Guohong? In his spare time, he was either carrying a shoulder pole through the streets and alleys or riding an old bicycle, slowly strolling around the urban area of ​​Chongqing.

Occasionally, on a whim, I'd gather three or five classmates for a meal at a restaurant. We'd drink hot beer, eat as much meat and vegetables as we wanted, and not talk about grades, just about our experiences.

They got to know each other quickly and became close. Before long, everyone called him "Brother Chung" when they saw him, and Zhao Zhicheng often came up to chat with him.

"You clearly have plenty of money, so why do you insist on becoming a porter?" Zhao Zhicheng finally couldn't hold back and asked.

"Stock trading relies on your brain, and portering relies on your shoulders. You train your brain and your legs at the same time, and you also get to see the realities of life and know how money is earned penny by penny... Which of these three things isn't worth it?" He smiled and flicked off his cigarette ash.

"That's true." Zhao Zhicheng nodded.

"In the stock market, you can make money quickly, but you can lose it even faster. Even if you lose everything one day, as long as you're healthy, you can still make a living by carrying a basket of vegetables or delivering goods." Before he finished speaking, his phone rang.

He pressed the answer button and chatted with Angelina in fluent American English for three minutes, speaking at a smooth pace and with a natural tone.

"Learning a foreign language isn't about getting a prestigious title, it's about getting things done more smoothly." He winked, a hint of playfulness in his eyes.

Do you speak island languages?

"Sufficient for everyday chatting."

As soon as he finished speaking, he casually uttered two sentences of fluent Japanese, his accent sounding just like a local.

"What about Hu language?"

"They're not much worse than their own people," he laughed.

"Can you do me a favor?" Zhao Zhicheng's eyes lit up.

"What's up?"

"My friend's factory needs to import a batch of equipment, but they're stuck on choosing a supplier... Japan or China? His translator is okay at English, but completely lost when it comes to Japanese and Chinese," Zhao Zhicheng said. "I work in business at the Agricultural Bank of China and have met many factory managers."

"What equipment do you want to buy? What's your budget?" Chung Kwok-hung asked.

"Why are you asking this?" Zhao Zhicheng retorted.

"Some things can be made domestically long ago, so why go to the trouble of looking for something far away?" he answered readily.

Zhao Zhicheng immediately took out his phone and dialed a number. A moment later, he handed the receiver over: "Director Liu, you can talk to him directly."

Zhong Guohong took it, briefly inquired about the model and parameters, and said, "Director Liu, Baiyun Machinery Factory can make the production line you requested."

"Baiyun Machinery Factory? Never heard of it." The voice on the other end of the phone hesitated.

"In the Qiankun Industrial Zone, the stamping line of Guanghui Automobile Factory, the chip mounter of Moyu Mobile Phone Factory, and the assembly platform of Dongsheng Computer Factory are all supplied by them." Zhong Guohong's tone was calm, without a trace of sales pitch.

"Okay, I'll go check it out tomorrow!" Liu Jiansheng thanked him repeatedly and hung up the phone.

Zhao Zhicheng turned his head, his eyes lighting up: "You're familiar with the Qiankun Industrial Zone?"

"We've met a few times and chatted a few times," Chung Kwok-hung said casually.

"What kind of business do you do?" Zhao Zhicheng asked again.

"I know quite a few of the gatekeepers and vendors," Chung Kwok-hung said without elaborating.

"How many of the factory managers in the Qiankun Industrial Zone do you recognize?" Zhao Zhicheng's eyes lit up.

There are three candidates vying for the position of president of the Agricultural Bank of China in Shaba.

The other two have strong backgrounds and wide connections; neither is inferior to the other.

If we can get the deposits of several large factories in the Qiankun Industrial Zone into the Agricultural Bank of China, this position will basically be secured.

Promotion isn't just about shouting slogans... If your foundation isn't solid, no matter how much you promote someone, you won't get promoted to a high position.

"Why are you asking this?" Chung Kwok-hung feigned ignorance.

"I work at the Agricultural Bank of China, and lately the performance targets are really tight," Zhao Zhicheng said, scratching the back of his head and smiling.

China's five major state-owned banks: ICBC, ABC, BOC, CMB, and Postal Savings Bank.

In addition to deposits and withdrawals, post offices also handle mail and newspaper delivery.

Wanxing Electronics Factory, Guanghui Automobile Factory, Moyu Mobile Phone Factory... all these factories' daily financial transactions were handled through the post office.

In remote rural towns, both Postal Savings Bank and Agricultural Bank of China have branches;

The Industrial and Commercial Bank of China, the Commercial Bank of China, and the State-owned Bank of China are only based in county towns and have not yet expanded to other areas.

"The factories in the industrial park aren't short of cash," Zhong Guohong said.

"Keep the money with me, consider it a helping hand," Zhao Zhicheng replied casually.

"How much do you plan to save?" Chung Kwok-hung asked.

"The more the better."

"It's a small amount, I can spare some for you."

"You really have it?"

"How much do you want?" Chung Kwok-hung asked in return.

"Ten million is about right, thirty million would be more reassuring," Zhao Zhicheng replied after a moment's thought.

How is the interest calculated?

"The annual interest rate for demand deposits is 3.15%, for three months it's 6.66%, for six months it's 9%, for one year it's 10.98%, for two years it's 11.7%, for three years it's 12.24%, and for five years it's 13.86%," Zhao Zhicheng rattled off.

Chung Kuo-hung's heart skipped a beat: So tall?

The combined working capital of Wanxing Electronics Factory, Dongsheng Computer Factory, and Guanghui Automobile Factory is over 50 billion RMB.

If you deposit 50 billion yuan for five years at a rate of 13.86%, the interest alone would amount to 34.65 billion yuan.