However, Zhou Fangyuan originally thought that he would go to Sister Dan's house with Sun Jing in District 1 for a while. As a result, as soon as he came out of Yang Ma, he received a call from Sun Jing.

"Going today?"

Zhou Fangyuan hesitated.

"What's wrong? Do you have any other arrangements for today?"

Sun Jing asked on the phone.

If there is, it is naturally mainly on Zhou Fangyuan's side, and in fact, Zhou Fangyuan does have an arrangement, because before the annual meeting, he talked to Mr. Guo and them, and Mr. Guo and Mr. Yu want to buy back some shares from Zhou Fangyuan's side at a high price. After all, in addition to the initial difficulties, Lao Guo and their development in the past two years has been really good, and all kinds of performances are full. Their own efforts, of course, are important. But it can't be denied Zhou Fangyuan's merits because of this, not to mention anything else, just two points, one is that when Lao Guo was in the most difficult time, it was Zhou Fangyuan who paid them to settle down;

But...... How to put it, the human heart is very complex, and it cannot be explained clearly in one or two sentences. Lao Guo They sweat like rain every day, laugh under the spotlight, make money, Zhou Fangyuan takes a large part of it every day without doing anything, and whoever it is, time is unacceptable. So they wanted to buy back some shares, but Zhou Fangyuan couldn't even make a decision.

In the final analysis, what the cross talk club cares about is people, or rather, what is really important about this cross talk club is Lao Guo and Lao Yu.

Today they are in a hurry, tomorrow they will dare to break up directly, the day after tomorrow, Lao Guo and Lao Yu will change places and start again, you have no way to take others. Because when the contract is first signed, it is a group contract, not an economic contract for one or two people alone.

Of course, none of this is important, the important thing is that Zhou Fangyuan himself likes their pair very much, and he doesn't want to make everyone unhappy because of a little money. Lao Guo is a smart person, he knows when he should do what and when he can do it, otherwise he would not have waited until now to talk about the matter of shares. So Zhou Fangyuan is not worried that Lao Guo will gain an inch...... It's just a matter of dividends, so sell them some shares, in the big entertainment plan of the Yuanfang Group, the cross talk group is indispensable, since there is already such a mature Lao Guo in his hands, wouldn't it be a waste not to use it?

And back then, the investment cost hundreds of thousands, and now Lao Guo and they just bought back some shares, and they will spend millions or tens of millions, ten times the profit, what else is there to be reluctant to?

So when he came over this time, he originally wanted to solve the problem about the cross talk team, but now that Sun Jing said this, he hesitated a little.

"Xiaoyuan?!"

Sun Jing shouted cautiously.

"Well, it's okay, since I've agreed, let's go to the appointment tonight, then I won't go to the company, you come directly to the courtyard after work, I'll wait for you here." ”

The previous interview sat in the spotlight for a long time, and his body was slimy at this time, and Zhou Fangyuan desperately wanted to take a good shower to make himself clear and refreshed.

In the evening, after receiving Sun Jing, the two first kissed fiercely after a long absence, and then took the car to Sister Dan's house.

Sister Dan's house is on the outskirts of the capital, it is a single-family villa, very high-grade, and the environment is also very exquisite. Sister Dan's family is very rich, and her husband is the chairman of Huatai Insurance, and Huatai Insurance is also well-known in China.

Huatai Insurance is China's first national joint-stock property insurance company, officially opened in August 1996 in Beijing, the company's registered capital of 1.333 billion soft sister currency, 54 shareholders are strong, large-scale, good efficiency of large enterprises and enterprise groups, covering petroleum, electric power, metallurgy, chemical, aviation, shipbuilding and other 24 industries, total assets of more than 2 trillion yuan. The company has about 1,500 employees and branches in 30 cities across the country, and has formed a nationwide business layout.

Since its establishment, the company has continuously summarized practical experience, formed a strategy of "intensive management, professional management, quality and efficiency development", and embarked on a road of "rapid development, sustainable development and management to keep up with development" with Huatai characteristics. The average annual growth rate is about 28.19%, the income under the investment is 1.259 billion soft girl coins, the average annual rate of return is 8.68%, which is in a leading position in the industry, and the company's net profit has reached 850 million yuan, maintaining a stable level of profit and dividends. By the end of December 2004, the company's total assets reached 5.6 billion yuan, and the company's solvency was sufficient, reaching 13 times the standard set by the China Insurance Regulatory Commission.

In July 03, Huatai Insurance Company held a strategic implementation seminar and decided to start the brand building project, starting from the brand co-construction with its strategic partner, Mi Guo ACE Group, and gradually developing into a new positioning of Huatai brand.

In May 04, Huatai Insurance Company completed the first stage of brand analysis, in August of the same year, the brand positioning principle was determined, in November, the revised design plan of Huatai Insurance Company's logo was completed, and in December, the brand positioning was confirmed and the new logo was approved.

In January 05, Huatai Insurance Company held the "Huatai International Disaster Relief Donation Ceremony and Brand Promotion Conference" to donate one million yuan to the affected countries in the Indian Ocean earthquake and tsunami disaster, and the company's new logo was officially launched. Also this month, the brand building project of Huatai Insurance Company entered the stage of comprehensive promotion. In the company, we have carried out employee education with the theme of "new opportunities, new image, and new starting point", and carried out various forms of publicity and promotion activities to give life to Huatai brand.

In April of the same year, the brand building project of Huatai Insurance Company was in full swing. The branches of Huatai Insurance, Huatai Asset Management Company and Huatai Life Insurance Company have actively carried out rich publicity activities, strengthened the employees' further understanding of the Huatai brand, firmly established the brand awareness, and adopted a variety of ways to widely publicize in the society and establish a good image of the Huatai brand.

In short, Huatai Insurance is a good company in China, with a deep foundation and quite good business performance.

In fact, Yuanfang Group and Huatai have a cooperative relationship, and many of Yuanfang Group's business dealings, as well as employee insurance, are cooperated with Huatai.

Although Zhou Fangyuan and Boss Wang Zimu, chairman of Huatai, have not had a direct conversation, both sides know that the existence of the other party also knows what the other party means to themselves.

Pried open the far door, a Labrador ran out to see the people, followed by a young girl.

This is Sister Dan's daughter, her age is actually two years younger than Zhou Fangyuan, but if you really talk about seniority, she is a generation younger than Zhou Fangyuan. Zhou Fangyuan called her mother sister, so she had to call Zhou Fangyuan uncle.

"Mr. Zhou!"

Ojiki appeared at the doorway.

"Mr. Wang!"

Zhou Fangyuan stepped forward and the two shook hands.

Although, Zhou Fangyuan called Jing Dan Sister Dan, but that was because they had no direct interests. It won't work if he is replaced by Wang Zimu, his Huatai is far away, in terms of scale, there is still a line behind, Zhou Fangyuan can treat his wife as a sister, but he can't be ignorant to Zhou Fangyuan as a brother-in-law. So the relationship between them ...... Actually, it's quite messy with you.

The so-called guest is actually like that.

Sun Jing went to the kitchen to talk to Sister Dan and Xiaoqing'er, while Zhou Fangyuan came to the study with Mr. Wang, chatting while drinking tea.

The conversation is nothing more than insurance.

Mr. Wang said frankly, in fact, last year, Huatai was not very good.

In fact, you have to say that there are really not many insurance companies in Huaxia that are doing well. Insurance companies of all sizes seem to have good revenues, but in fact, once you compare the population of China, the development of the insurance industry is not smooth. It's not that they can't, it's not that the people in China can't afford to spend, but in the final analysis, the country has not yet formed the habit of buying insurance.

This year is just 06 years, and five or six years later, the wave of layoffs has not ended. Before that, the protection of ordinary citizens was all an act of the state, and the government provided jobs and guarantees for ordinary people, and this security often lasted for two or three generations. It is only after entering the new century, with the trend of laid-off workers and the end of the tide, a large number of laid-off workers have entered the society, and later young people have lost the state guarantee and began to seek self-protection, that is, commercial insurance.

Of course, there is social security at the national level, at this point, it can be said that our country has really done as much as possible, but the world is always impossible to be really perfect, so in addition to social security, with the ability and spare money, commercial insurance can be said to make their own protection more perfect, a better choice.

Although there are not too many people who buy commercial insurance, fortunately, the population base in China is large, so insurance companies of all sizes are still doing well.

From this point of view, in fact, the difference between China and the United States is quite large.

Why mention the rice country, because when many people talk about insurance, they say how good the rice country is, and how the country is pitting people, but in fact, because of the difference in national policies, what ordinary people see is just a very one-sided thing.

On the other side of the United States, the policy of commercial insurance is implemented, and there are few government actions, which are far less common than in China. This has also led to the fact that the people of the United States are more enthusiastic about commercial insurance and are more accustomed to it.

Just like Zhou Fangyuan saw in the American drama "The Big Bang Theory" before, in a dialogue between Bernadette and Penny, she arranged the purchase of life insurance for her newborn daughter and the selection of kindergarten in the necessary daily life plan. It is enough to see that in the United States, the awareness of insurance has been deeply rooted in the hearts of the people. If an adult does not buy insurance, he will be seen as having no plan for life, getting by, not having confidence in himself, and not having a sense of responsibility for his family.

In contrast, how big is the gap between the insurance awareness of the Chinese people?

Here's an example.

Generally speaking, if it is a Chinese person, he will leave all 2 million yuan to his children, and he has to sigh at the greatness of my parents. But if it is a Mi Chinese, he will use 1 million yuan to buy insurance with an insurance amount of 10 million yuan, and the beneficiary is written as a child, and the future will be left to the child is 10 million. Then spend the remaining 1 million yuan.

The simple example shows the very different insurance consciousness of the two countries.

And to tell the truth, the commercial insurance of the United States is indeed more developed than the domestic insurance, after all, from the beginning, there are few government actions to play a role in it, and China, but in recent years only began to prevail commercial insurance, before that, is not the state to bear the future security of the people? And not only in recent years, as far as Zhou Fangyuan knows, even after another ten years, domestic commercial insurance, is still developing slowly.

The original intention of purchasing insurance is to carefully analyze the risks of oneself and one's family based on its protection function, and formulate an insurance plan based on it.

However, with the passage of time, in a few years, people's awareness of insurance is gradually improving, but many people's attitude towards insurance has deviated from its essence and is more focused on the investment and financial function of insurance. In fact, the most fundamental purpose of insurance is to protect. Although social security is becoming more and more popular, social security alone cannot cover the full amount of medical reimbursement. Purchasing commercial insurance, especially health insurance and critical illness insurance, is a supplement to social insurance, which can improve the degree of protection and reduce medical expenses. In the unlikely event of a serious illness in a family member, it can ensure that the quality of life of the family member will not be affected too much.

Zhou Fangyuan really doesn't know much about this, he himself is not engaged in the insurance industry, and he has rarely set foot in the insurance field in his past and present lives combined.

But Wang Zimu is an expert in this area, and in the chat between the two, Wang Zimu briefly introduced the difference between domestic and foreign insurance.

Domestic life insurance can be basically divided into "consumption", "savings", "universal insurance" and "participating insurance". Life insurance in the United States, no matter how the insurance company advertises, is essentially five categories. "Term", "Whole Life", "Universal Life (UL)", "Index Universal Life (IUL)" and "Variable Universal Life (VUL)".

Term, which can be regarded as a "consumer insurance" corresponding to China. Generally, it is guaranteed for 10 years, 20 years, or 30 years at most. During this period, if something happens, the insurance company loses money, and it's okay, the premium is considered a contribution.

Whole Life is more like a domestic savings insurance. Premiums are expensive, but your cash value is guaranteed. Basically, at the age of 120, if you are still alive, the money you pay yourself plus the interest accumulated over the years is exactly equal to what the insurance company should pay. So, Whole Life, the longer you live, the more risk-free the insurance formula will be, until the risk is 0 – because in the end all the money is your own money.

Universal Life (UL), which corresponds to "universal insurance". The feature is that the premium payment method is flexible, and if you want to pay more and pay less, you can pay at will within a certain limit. The rate of return is based on the current interest rate. In the 80s, the United States was an era of high interest rates, and UL at that time was in the limelight, but with the continuous decline in interest rates, the profitability of this kind of policy was naturally too poor.

Index Universal Life (IUL), which is a typical "investment insurance". To put it bluntly, it is to speculate on mutual funds in insurance. However, this kind of product has high risk and returns, who speculates and who knows. This kind of insurance has also been popular in China for a while, but basically there is less money to be made and more money to be lost.

IUL can be regarded as a popular product in the insurance industry in the United States in the past ten years. There are no similar products linked to stock indexes in domestic insurance. After experiencing the ups and downs of VUL, people favor this low-risk product. However, no matter how small the risk is, there is still a risk, and if an insurance broker tells you that IUL is 100% risk-free, then his/her professionalism is questionable.

In general, the insurance in the United States is more comprehensive and has more types. Of course, behind the developed insurance, there are fewer and fewer loopholes left for ordinary people, or even almost none.