Chapter 189 Insurance Belonging to the Ming Dynasty
After Chen Cao explained it to Shen Zhuangling, he asked her to prepare for a business meeting the next day. He planned to put a major money-making project on the agenda.
"Everyone here is a business talent under me and Chen Cao, and all the shopkeepers are good at making money..."
When everyone heard Chen Cao's praise, they all stood up and bowed. If the chief shopkeeper and Marquis Dingwu praised him personally, it would be enough to talk about for several years.
There are three documents responsible for recording, because what Chen Cao wants to say is very complicated.
"How is the business of our escort agency in the Ming Dynasty?"
As the general manager, Shen Zhuangling had prepared enough information before Chen Cao asked: "Master Hou, there are three large escort bureaus in the Ming Dynasty, and there are small ones in all the chief ministers. Shopkeeper Liu..."
Shopkeeper Liu who was pointed out by Shen Zhuangling was Shen Zhuangling's former confidant shopkeeper, whose full name is Liu Yusi: "Hui Houye, the three major escort agencies at present are the Anyuan Escort Agency in North Zhili and the Pingwei Escort Agency in South Zhili. As well as Huguang's Zhenxing Escort Bureau, they have branches all over the country, and when it comes to government goods escort, they usually go to these three companies."
"Is there a government-run escort agency?"
Liu Yusi shook his head: "The imperial court looks down on these things. Besides, the imperial court still has a postal service, so there is no need for these. Behind these three escort agencies are the properties of the officials of the imperial court."
"Oh..." Chen Cao nodded, and then said: "The ticket numbers are outdated. Nowadays, even the countries in Europe and the West are engaged in economic industry and bankers are named after them. Our Ming Dynasty is too complacent to keep up with the world. It’s trendy.”
Although no one could understand the last sentence, it can be seen from the income of Daming Bank that such a business involving only South Zhili can earn so much. If it covers the entire Daming, it is unimaginable how much the income will be. of.
"There is plenty of gold and silver in the Western and Eastern countries, but they prefer the porcelain and silk produced in our Ming Dynasty. Now the tenants of the grain-producing land in the southeast have grown mulberry and hemp to make silk, and the grain has to be purchased from Huguang."
"Master Hou, isn't there an old saying that if you're familiar with Huguang, you'll have enough in the world," one of the shopkeepers said with a smile.
Chen Cao nodded noncommittally: "So I want you all to go to the academy to learn more about Western knowledge. Although the Western people are not convinced by Wang Hua, their things are indeed good and will be of great help to our Ming Dynasty. You We need to learn more and integrate all their good things into our culture. When the time comes..."
"Goodbye, Lord Marquis..."
A group of people flattered him one after another. At this time, Chen Cao handed over all the information he had written to all the shopkeepers.
"I have decided to set up a new company. Its full name is 'Da Ming Ping An Insurance Group'. Its main business is only one--insurance business..."
More than a dozen shopkeepers looked through them one after another. Just hearing what Chen Cao said, how could they know what these things were.
"The escort bureau is often robbed. After the goods are lost, the escort bureau usually pays the compensation. Therefore, generally small escort bureaus do not dare to undertake any big business. This insurance group I mentioned is to protect the escort bureau or individual goods;
As long as the escort bureau has purchased temporary insurance with our group for the goods at that time, once the escort is robbed, we can make insurance claims for it. "
"Master Marquis, you mean that we will pay for the losses that should have been borne by the escort agency?" A shopkeeper reacted quickly.
"That's right," Chen Cao nodded: "That's what I mean. What I said is just so that you can understand what I'm going to say next."
"Master Marquis, what should we do if someone is deliberately kidnapped? Everyone will know that our money is easy to make."
Chen Cao had already thought of this: "I know what you said, so listen carefully to the next words;
This insurance pilot is in Shanghai County, and the only business involved in the pilot is commercial medical insurance;
For example, Zhang San bought a personal accident insurance from our insurance company. The purchase value is fifty taels of silver, and the insurance value is fifty taels of silver. If he gets sick and seeks medical treatment, all the medicine expenses will be covered by the local pharmacy. Voucher, with this voucher you can be reimbursed in full. If he dies, then fifty taels will be paid directly. "
"Ten times that?" Shen Zhuangling interrupted.
"That's right," Chen Cao asked everyone to read the content on the second page carefully, and asked them to listen to what he said while reading: "The compensation price must be high enough so that people will buy it. The content on the second page of the design of personal accident insurance I have written it in detail, please see how to improve it and how to implement it;
In addition, it is commercial insurance. Although the content involved is complicated, as long as you read it carefully, it is indeed very convenient to implement. "
Liu Yusi asked the last question: "Master Hou, I would like to confirm again. Does the value of the insured amount start from ten times the principal of the purchase? If he dies, is it a one-time payment?"
Chen Cao nodded: "That's it. Another thing I want to focus on is the second article on the third page. Regarding commercial value-added insurance, the minimum purchase is ten taels, there is no cap, and the purchase period must be ten taels. For more than 10 years, the interest will be given every year based on the purchase principal, just like bank deposits. However, the interest for purchasing insurance is higher than that of the bank. Do you understand?
Moreover, the initial purchase amount of ten taels must be an integer. At the beginning of the development, we only set up three types, namely ten taels, one hundred taels, and one thousand taels. Assuming that the ten taels are purchased for ten years, his The principal is one hundred taels. After eleven years, the principal of one hundred taels will be returned to him, and the insurance company will give him an additional one hundred taels in interest..."
As soon as these words came out, more than a dozen shopkeepers including Shen Zhuangling felt that the big boss Dingwuhou in front of them must be crazy.
Liu Yusi spoke cautiously: "Master Hou, if you buy for ten consecutive years, you will get one hundred taels if you withdraw after eleven years. If someone is willing to buy ten thousand taels for ten consecutive years, don't we have to give him one hundred thousand taels?"
"Good question... I know what you are thinking," Chen Cao stood up with a smile and walked back and forth around the long table: "You want to know what we can do with this money?
I tell you, this is called economic effect, also called market economy. The insurance company takes all the money and deposits it into Daming Bank. Daming Bank’s financial resources gradually increase, which can promote our Daming Bank to do other trades. The money earned will last ten years. If you retreat twice as much as you want, it's like a drop in the bucket. "
"Master Marquis, I want to know, what if those common people come to buy insurance and the insurance takes effect one month later, and they deliberately become disabled? Or what if they buy insurance for a dying person?"
Regarding Shen Zhuangling's answer, Chen Cao felt it was just a small problem: "It's their business if he wants to get hurt. Who would intentionally get hurt? Besides, the insurance amount we gave him is only ten times the amount. If he is willing to use it, so is Chen Cao." Yes, as for a dying person, you must be present in person to apply for insurance. Don’t you know whether you are in good spirits or not?
In addition, the reason why the pilot is in Shanghai County is because I am currently the governor of Songjiang and am in charge of Shanghai County affairs. I heard that Shanghai County has not yet sent a county magistrate. I will be responsible for the affairs of Shanghai County in the future. After all, those who want to defraud insurance companies must know whether the boards in the yamen are hard or not. "
...
"I've suffered a lot for you these past few years. It's better to come back to my hometown with me. Before I leave Jinling, I can choose a good day to marry you."
In the Bai Mansion, Bai Magnolia and Chen Cao are sitting opposite each other at this moment. Compared with the indifference before, at least Bai Magnolia is much more relieved now.
"Your father's matter has been settled. Your brother is now working as a judge in Shuntian Prefecture, so he has a good place to go. I'm not worried about you being here all alone..."
Bai Magnolia kept staring at Chen Cao without saying a word. In this case, Chen Cao decided to bow hard. He stood up and gave Zhao Xin a wink. Before closing the door, everyone retreated to the corridor and stood in the courtyard of the lobby.
"What are you going to do?"
Magnolia frowned: "It's broad daylight, but I haven't agreed to marry you yet."
Chen Cao stepped forward, lowered his head and pressed down with force, and then whispered: "If you don't agree, I, Chen Cao, will send someone to snatch you away. If you don't agree, I, Chen Cao, will snatch you away and take you away at any time." By my side, if you don’t agree..."
"Chen Cao, what are you doing?" Bai Magnolia shouted in horror.
But her resistance was minimal because her strength was not as strong as Chen Cao's.
"Pack up and come home with me..."
.
"Master Hou, this is the archive from Jiangxi that was retrieved from the archives."
After handing the lost Magnolia to her sister Bai Xinlan, Chen Cao and Zhao Xin went to the study.
Chen Cao picked up the file and looked at it. Zhao Xin explained: "The news in the past few months said that Little Kungu was put in solitary confinement. The reason is unknown. It is said that even food and other things have to be transported by someone..."
"How old is this letter?"
Chen Cao picked up the envelope and looked at it, then opened it and read: "A month ago?"
After reading it, Chen Cao put down the envelope and stared at Xin Zhao: "You take one person from the Hundred Household Office and ask Zhang Fengnian to take one hundred servants and follow me to Longhu Mountain immediately."
"yes..."
.
Nine days later, Chen Cao and his party of more than 200 people rushed to Yingtan Town on horseback.
"Back to Mr. Hou, in the past month, Xiao Kungu's food and daily life have been done by herself."
After Zhao Xin came out of Zuotan's house, he reported the news to Chen Cao.
Chen Cao felt a little cold in his heart. If his guess was correct, it should be related to the last time he dealt with Zhang Ru.
"Get on your horse and go to Longhu Mountain immediately."
Zhang Xianyong personally came down the mountain to greet Chen Cao. Just when he was curious about Chen Cao's sudden arrival, he was confused by one sentence for a long time.
"Where is your sister Zhang Ru? I'm here for her..."
When Chen Cao saw Zhang Ru again, the beautiful and lively girl was now dressed in plain clothes and living in the hut of Tianshi Yasi Prison in the back mountain.
"Chen...fuck"
