Governor, do me a favor from you?

As Zhou Ming said this, everyone in the office was shocked, Governor Edward's entourage was surprised by Zhou Ming's rudeness and presumptuousness, and Omar was surprised why Zhou Ming, who was usually very measured, would say such a thing? This is completely the tone of a superior ordering a subordinate, if Governor Edward's temper was a little bigger, he would even get up and leave directly.

Could it be that Mr. Zhou Ming was too anxious, so he messed up his own inches?

With this in mind, Omar immediately stepped forward to help Zhou Ming explain: "Uncle Edward, my friend is just meeting you for the first time, and he is a little nervous, so his speech will be a little unlevel. ”

However, Edward ignored Omar's explanation, just stared at Zhou Ming and asked, "You said that you waited for me here after learning the news that I was coming over from Omar? You don't want to talk to me, you just need me to do you a favor? Don't you think it's a big problem for you to talk like this, and most importantly, why do you think I will help you?"

"Because my question is very important. Zhou Ming said.

Edward smiled: "I understand, everyone will say that their own problems are important, just like children will always think that their toys are the most important thing in the world. But Chinese, do you know that Massachusetts is the center of New England, and there are a lot of things that happen here every day, and every one of them is probably important, so why do you say that your problem is important?"

"Because my problem will affect the economic situation of the whole of Brighton and even Massachusetts!" Zhou Ming said.

With Zhou Ming's words, Edward's entourage was stunned at first, and then they all laughed, even Edward shook his head helplessly, and Omar looked at Zhou Ming worriedly. However, Zhou Ming still did not change his face about this: "I know that you will think that I am naïve when I say this, Mr. Governor, you might as well listen to my next words." ”

Edward shrugged his shoulders meaninglessly, as if he thought it was very interesting, so he made a gesture of please to Zhou Ming.

Seeing this gesture, Zhou Ming secretly breathed a sigh of relief and said: "First of all, I think it is necessary for me to introduce myself, my name is Zhou Ming, and I am now the chairman of Wharton Insurance Company, but it will not be me soon, because my Wharton Insurance Company is currently frozen by the Bureau of Justice All its assets, and at the same time, at this time, Councilor Brooke's processing plant has a collective food poisoning, and I need to pay for medical insurance claims." ”

"So if you can't take it out now, you hope I can use the state's financial means to help you pay this claim and help Wharton Insurance Company survive this difficult time, right?" Edward took Zhou Ming's words and asked.

Zhou Ming nodded yes, and Edward said: "This is Brighton, do you know how many insurance companies there are in Brighton alone? There are more than 30 companies that can be named, and there are countless small insurance companies that cannot be named, do you think that if every insurance company cannot pay the claim, I will have to use financial means, then I am afraid that the state treasury will go bankrupt in less than a day." ”

"Of course I do, but I'm not like any other insurance company. Zhou Ming said.

Edward frowned, and said angrily, "For the sake of being Omar's friend, and you also helped Omar get involved in politics, I will answer you this, so please pay attention to your words." ”

Obviously, Edward's statement was already a warning, but Zhou Ming still ignored it and said: "Mr. Governor, my Wharton Insurance Company has launched a new type of financial insurance this year, although the terms are complicated, but simply put, it means that the policyholder buys an insurance from me, and if there is no claim during the insurance period, then the principal can be refunded after the insurance expires, and there is additional stable interest income." ”

"Mr. Zhou Ming, I'm not interested in knowing any insurance, today is also the time for me to talk to Omar, if you continue to idle around here and talk about some boring stuff, I will ask you out!" Edward warned.

Zhou Ming continued: "As of now, 52,000 copies of this kind of financial insurance have been put out, the insured amount has exceeded 70 million US dollars, and the total amount of all theoretical policy claims has exceeded 20 billion US dollars, and the interest that needs to be paid after five years alone will exceed 40 million US dollars, plus the principal is 110 million US dollars." ”

As the last word of Zhou Ming fell, there was a sudden silence in the office, everyone gasped, even Edward's hand stopped in mid-air, originally he wanted to drive Zhou Ming out, but now he couldn't say anything.

Even if it is just an ordinary person, when he hears the two figures of 70 million US dollars insured and more than 20 billion US dollars in theoretical claims, he will unconsciously gasp. In a financially highly developed country like the United States, no matter who understands some economic principles, not to mention that the people in this office are highly educated, at least all have bachelor's degrees, they can understand what a terrible thing this is.

If you are an ordinary person, you might say, "Isn't insurance just an accident?" $20 billion is just a theoretical amount of claims, so how can it really be realized?

But no one would want him to achieve it, but as long as more than 10% of the amount is realized, it is a big trouble, not to mention that after the expiration of the insurance, there is still 110 million principal and interest to pay, which will be a huge and incomparably heavy burden for any insurance company.

"Damn, are you Chinese making money crazy? How can you design such an insurance product?" Edward scolded angrily.

Edward can't help but be angry, because judging from what he just heard, the insurance product designed by Zhou Ming is simply a financial bomb from time to time, although it will not become a financial crisis, but it will definitely cause great twists and turns, and more importantly, the insurance company is not allowed to go bankrupt, and this kind of insurance company that clearly loses money will not be taken over, so the state government can only use financial subsidies and then auction and reorganize.

Edward is just a newly elected governor who is preparing to show his ambitions, and now Zhou Ming suddenly threw such a financial bomb, how could he not be in a hurry to jump his feet?

Governor Edward jumped to his feet angrily, but Zhou Ming relaxed and leaned back on the sofa: "Mr. Governor thinks this kind of insurance product is not good? But in my opinion, this is likely to become the development trend of insurance in the future, the reason is very simple, it is people's profit-seeking mentality, just imagine spending the same money, on the one hand, just buy an insurance, on the other hand, you can buy an insurance, and at the same time you can participate in investment, which one is more attractive? I think this answer is beyond doubt." ”

"But it's a product that destroys the balance of insurance!" said Edward, "It's true that people are profit-seeking, and it's true that people will choose your kind of financial insurance, but this kind of insurance itself has huge security risks, and the insurance costs are too high!"

"Mr. Governor, you're just talking about the general situation, but insurance companies have been a very important investment status in the capital sector since very early times. Zhou Ming said, "Our Wharton insurance company has only received 70 million US dollars, but my Wharton insurance company, now the funds on the books have already exceeded 100 million." ”

Edward sighed meaningfully, "Is this all the result of your investment?"

"Mr. Governor, you should say that it is the result of the joint efforts of me and the traders of my company. Zhou Ming emphasized, and he went on to say, "Mr. Governor, you always emphasize reform in your usual speeches and interviews, so this insurance product is actually an important reform of the insurance industry and even the entire capital field!"

"First of all, the development of this kind of insurance products will directly push insurance companies to the capital market, change the conservative situation of insurance companies in the past, and compete with fund companies and securities companies for the cake of the financial market. ”

Zhou Ming continued: "Since the law does not allow insurance companies to go bankrupt, then in the process of continuous merger and reorganization of insurance companies, the entire insurance industry will become more and more standardized, which is also very helpful for your health care reform, Mr. Governor, because he will help you clear the obstacles of insurance companies in the past." ”

Speaking of this, Zhou Ming paused for a moment and finally said: "It is precisely for this reason, so Mr. Governor, if you help me this time, it is equivalent to helping yourself!"

If Zhou Ming's previous words only made Edward feel a little interesting, then Zhou Ming's last words made his eyes light up.

"Did you think about it a long time ago, or did you make it up and tell me it when you came here today?" asked Edward.

Zhou Ming replied with a smile: "Mr. Governor, I don't think your question is important, because whether it is a plan that has been thought of a long time ago or a nonsense that is now made, it will not affect his role, right?"

"That's true. "So now you can talk about your business, how much do you need the state treasury to help you pay?"

"Seven million or eight million dollars. Zhou Ming continued, "But the amount of the claim is not important, what matters is why there is this claim." ”

"Why is that?" asked Edward cooperatively.

Zhou Ming replied: "It's because of Congressman Brooke, he first reported to the Bureau of Justice to freeze all the assets of Wharton Insurance Company, and then created a collective poisoning incident, his purpose is to bring down my insurance company and then he will take over, so that he can directly interrupt the innovation of the insurance company market, I have a very strong hunch, this is a huge conspiracy for reform!"

Edward frowned, "Senator Brooke? That's from the Addams family." ”

Zhou Ming nodded directly along with Edward: "Yes, Mr. Governor, the judge who rejected the insurance company's request for an extension of the investigation time just two days ago is called Will Adams!"

After listening to Zhou Ming's answer, Edward was silent for a while, and finally raised his head and said to Zhou Ming: "In this case, then I promise you, the claim required by Wharton Insurance Company will be paid by the state government's finances." ”