"Okay, okay, I was too hasty!"
Ying Zheng picked up the wine glass with a slight embarrassment and took a sip.
Wang Ben and others followed closely behind, picked up the wine in front of them, and drank it all in one gulp!
"In fact, there are dangers everywhere, whether in life or production. If you stay at home, there is no danger at all! Maybe the house collapses, or there is a sudden natural disaster, or maybe you trip and fall to death when you go out. These are all risks. It’s possible, but the chance is quite small!”
"The same is true for ordinary people in industrial production. Accidents will happen, but the chances are definitely not high!"
"If you want to give your family a guarantee, there is nothing you can do!"
Ying Feiyu said with a calm smile.
Dad is so depressed, isn't he just worried about the livelihood of the families of the deceased, and worried that something like this will happen again in the future!
As long as those family members are protected, the scumbag's heart will naturally relax!
"Huh? Do you have any idea?"
Sure enough, after hearing these words, Ying Zheng's eyes suddenly lit up.
"Insurance!"
Ying Feiyu smiled lightly and uttered two words.
"Insurance? What do you mean?"
"Take this case of the state incident as an example. Several ministers have just said that now the rich can give more pensions to their families, while those without money will naturally not be able to give much. And those who have lost the backbone of their families will not be able to give much. Families without compensation will definitely have a lot of difficulties in life..."
"Okay, you kid, stop being so pretentious and tell me quickly. We all understand the current situation!"
Before Ying Feiyu could finish speaking, Ying Zheng interrupted again.
"Okay! The meaning of insurance is to spend a small amount of money to buy protection!"
"Be more specific!"
Ying Zheng and a few old guys blinked and stared at him seriously, not even eating the food.
"Let's take what happened this time as an example. If all the sailors bought insurance this time, each of them would get one gold, and they would get two thousand gold in compensation after their death! This is called spending a small amount of money to buy insurance!"
Ying Feiyu gave an example and explained briefly.
"You spend one gold and get two thousand gold in return? Is His Highness the Crown Prince joking? Isn't this a loss-making business?"
However, before anyone else could react, Zhang Han spoke first.
The two eyebrows are even more twisted than before!
This method is definitely a good thing for the people, but for the court, it will undoubtedly increase the burden!
Fortunately, only a few hundred people died in Yizhou this time. If there were more, the court would not be able to afford compensation!
"Zhang Aiqing is right. Rather than that, it would be better to say that as long as someone is killed in battle, they all belong to the imperial court!"
Ying Zheng felt very sorry for the deaths of the people, but if the court were to provide the money and pay two thousand gold for each person killed in battle, he could not afford it.
According to this calculation, for the hundreds of people who died, the court would have to spend millions of gold at one time.
And this is just the beginning, things like this will happen again in the future, it will be a bottomless pit!
"Father, ministers, you only heard the second half of the sentence. Didn't you eat the first half?"
Ying Feiyu flattened his mouth angrily.
"What's the first part? Isn't it the one where everyone pays one gold? What's the use of that? I can't stand the loss of too much!"
It's not that they didn't hear it, it's that they didn't care at all.
Who would be stupid if he charges so little money but has to pay two thousand gold in compensation?
"Father, the ministers, this money is not paid when there is an accident, but only after paying the money and buying insurance can the compensation be paid!"
Ying Feiyu once again explained to a few old guys.
"Even if you pay upfront, there won't be much!"
Kang Anping still curled his lips.
Zhang Han's eyes flashed, as if he suddenly understood something, "According to His Highness the Crown Prince, you can buy a guarantee for one gold. It is estimated that all people who go to sea will buy it, and in the future, there will be soldiers of Great Qin." Guard, it’s unlikely that the natives will hurt anyone, and they won’t lose all their money!”
"That's for sure! Insurance is a guarantee for the people, and it is also a profitable business for those who carry out this business...!"
Ying Feiyu smiled and nodded, and continued: "There are many people doing dangerous jobs in Daqin. As long as the insurance business is launched, it will be very popular among the people, and other walks of life will also buy it. The premiums collected will Definitely a lot!”
"In this case, will the people feel that the imperial court is defrauding the people and making money from them?"
Since it is not losing money, it is making money. Ying Zheng is worried that the news will have an impact on the court.
"Insurance is voluntary. If you think your job is dangerous, you can buy it! If you think it's safe, then don't buy it! How can you say it's fraud?"
Ying Feiyu smiled calmly.
"Yeah! That's true!"
Ying Zheng thought for a moment and nodded.
"Although there is no fraud, the insurance business is not suitable for the imperial court to handle!"
"Why?"
Ying Feiyu's words puzzled everyone.
Since there is no fraud, it can make money, and it is beneficial to the people, why can't the court do it?
"Insurance involves many things, and there will be many disputes in the future. In order to avoid unnecessary trouble, it is better for the court not to get involved, otherwise the people will definitely have complaints in their hearts over time!"
"Left is just about life and death. How can there be any controversy?"
The reason given by Ying Feiyu puzzled Ying Zheng.
"There are a lot of things going on here, such as people who are tempted to defraud insurance! There are also people who are worried about other people's insurance and deliberately kill them!"
"What? It shouldn't be, right?"
This reason really shocked everyone.
The people of this era are simple and simple, and they would never believe that someone would kill their relatives for money!
"Wealth touches people's hearts. Two thousand gold may be nothing to you, but to ordinary people, it is money that they can't earn in twenty years without eating or drinking. Do you think so?"
Ying Feiyu asked back.
"Uh...! It's not impossible that people's hearts are sinister!"
"yes!"
The old guys thought it was impossible before. How could you kill someone for two thousand gold?
But after his calculations, ordinary people may not be able to earn two thousand gold even if they work for twenty years without eating or drinking. It is not impossible to kill someone for this money!
"Besides, the insurance business cannot only be death insurance, but also injury insurance. As long as you are injured, compensation can be paid according to the different degrees of the injury!"
"There is also property insurance! The premium is determined based on the value of the insured property. As long as the property is damaged, compensation will be paid!"
"In addition, there are life insurance, critical illness insurance, etc...!"
Ying Feiyu explained all the types of insurance he knew about in later generations, and Ying Zheng and others were dumbfounded.
