. Shumilou.CoM.Shumilou.Co

Outside Harvard University, at 365 Charles Avenue, a tall residential building, a 12th-story room, a man is munching on bread and looking out with a telescope while making a phone call.

The man was scruffy, his hair was messy, the beard on his chin hadn't been shaved for an unknown amount of time, and his room was littered with leftover hamburger bags and pizza boxes, as well as chicken bones with meat attached to them, and cups of Coke, all mixed together to give off a disgusting smell that was far from fitting the luxurious décor of the room.

"Mr. Brooke, don't worry, I've been observing Zhou Ming and them, all the time. He said to the phone.

This person is Wharton, and after he reached an agreement with Old Brook, Old Brook bought the house here for him, just because it was the best place to observe Zhou Ming's dormitory. And Wharton has been staring at Zhou Ming every day since he lived here, he just wants to seek revenge on Zhou Ming, and he doesn't care about cleaning up at all, so the room is naturally becoming more and more dirty and messy.

"But Mr. Brooke, these Chinese are really stupid, today is the third day, and they don't seem to have decided what project should be carried out. Wharton said.

On the other side of the phone, he smiled and said: "This is normal, although Massachusetts law does not limit the company's 2∠ business scope, but securities companies need qualifications, and securities companies without qualifications are not protected by securities industry associations and are not trusted by customers. ”

Wharton pounded the table hatefully and said, "It's so hateful, I wish they had decided quickly, because then I could teach them a hard lesson!"

"Don't worry, I've helped them and I'm sure they'll be able to make a decision soon. Old Brooke said.

"But Mr. Brooke, those Chinese are very cunning, will they believe it?" Wharton was a little worried.

"Why don't they believe it? I didn't deliberately mislead them or lie to them about anything, I really helped them choose a shortcut to Rome, which is the best and most suitable investment advice at this stage, even if I don't help them, I believe they can find this path themselves, but it will take longer. "Old Brooke seemed confident.

"That's great!" said Wharton, "Huh, that Chinese Zhou Ming looks like he's going out!"

……

At the door of the Chinese dormitory, Zhou Ming sat on his Buick and went directly to a café on campus, where Danny, the president of the Harvard Student Union, was waiting for him, and when he saw Zhou Ming coming, he got up and shook hands with Zhou Ming.

"Thank you very much Danny for your help this time, Danny, if it weren't for your help, I'm afraid I would have to bow my head to the old Brooke family this time. Zhou Ming said.

"Zhou, you say this makes me ashamed, I want to help, but it's a pity that I don't have the ability. Danny said.

Zhou Ming was a little surprised: "Didn't Chairman Danny send me an email photo?"

"I've never sent this before, but we're both at Harvard, so if I do send an email, why don't I just send it to you? That would save me the post office fee, and it wouldn't seem like we'd cause a stock market turmoil when we met." Danny said.

Zhou Ming frowned, feeling that something was wrong, because the photo of the presiding judge eating with Brooke's old butler was the key to his final turnaround in the trial, without that photo, he would not have been able to appeal to the circuit court, and the FBI would not have been dispatched to investigate the case, let alone find the evidence of Brooke's remittance record to Hemm.

Originally, Zhou Ming thought that this photo was sent to him by Danny, but now it seems that there is someone else, because Danny has no need to deny it.

These thoughts made Zhou Ming feel that his original thoughts seemed to be wrong again, as if there were other forces involved in this matter, or there were other reasons......

However, Zhou Ming didn't have time to think deeply at this time, because Danny was still sitting opposite him, and when he saw that he was distracted, he shouted to himself: "Mr. Zhou Ming, are you okay? Did something else happen?"

Zhou Ming shook his head and said, "It's okay, it's just that I've been thinking about the direction of the new company recently, and I'm a little nervous." ”

"Then Zhou Ming, you have to take a good rest, after all, you are my important partner. "And you said something about the direction of the new company, can you tell me about it?"

"Of course," Zhou Ming said, "that is, I now have Wharton in my hands, and I want to start my capital journey from this company, but you know, in the United States, securities and funds require qualifications, let alone banks, otherwise it will be very troublesome, not only is the business not good, but there are also many legal problems, so I am thinking about how to solve it faster and better." ”

"It turned out to be this problem, it seems to be a difficult problem," Danny looked at Zhou Ming and suddenly asked, "Then Zhou Ming, have you ever thought about the insurance company?"

"Insurance company?"

Zhou Ming looked at Danny and showed some interest, Danny told Zhou Ming: "It's an insurance company, he doesn't need to have complicated qualifications, just need you to have enough guarantees, and more importantly, insurance companies are also an important force qualified to participate in capital competition." ”

Danny's answer made Zhou Ming very surprised, not because Danny was talking nonsense, but what he said was indeed a feasible way, and more importantly, because Zhou Ming originally told him about the company, just to change the topic, after all, he didn't know about the photo, Zhou Ming is better than less, but who knew that this casually mentioned, he actually gave a good answer.

Perhaps for many people who don't understand, the insurance company may just be a company responsible for claims, and everyone spends money to buy insurance business here, as long as they have an accident, they can find the insurance company to settle the claim.

It seems that an insurance company is an institution that uses everyone's insurance money to pay for an accident, but in fact, insurance companies are the largest financial participants in addition to banks, funds and securities companies.

The reason is very simple, in order to ensure their own profits, insurance companies cannot pin their hopes on luck, otherwise in a certain month, when the planes they underwrite have crashed again and again, or their underwriters have accidents again and again, when their claims are going to reach tens of millions of dollars, won't the insurance companies that have lost cash flow go out of business?

Although this probability is very small, it is not impossible to happen, and such behavior itself is a kind of speculation, which is not impossible to make money, but if you want to do it for a long time, this kind of thinking is definitely not possible.

It is precisely for this reason that all insurance companies will not put them in the bank to wait for interest after absorbing the insurance money, but will invest in them as soon as possible; they will participate in usury bonds and stocks, all financial activities that can make money, and in order to ensure that their investments can be realized at any time to make claims, the biggest investment direction of insurance companies is stocks or funds.

You know, banks have huge financial resources by absorbing a large number of depositors' deposits, and insurance companies are largely in a similar situation, so insurance companies are often an important force in the financial market. Even if it's just a small insurance company, you can easily come up with tens of millions of cash, and isn't this exactly what you and your financial class want?

Thinking of this, Zhou Ming said to Danny: "Danny, your suggestion is fantastic, the insurance company is indeed the most suitable direction for the development of Wharton." ”

"If you really plan to set up an insurance company, Zhou Ming, I think I will definitely buy one of your biggest policies. Danny said.

"Okay Chairman Danny, I remember what you said, I'll prepare it for you then, but now I have to go back and inform my friends, and we'll talk about the rest next time. ”

After saying that, Zhou Ming got up and left, and returned to the Chinese dormitory, but at this time, most of the students in the finance class also went out to find inspiration, and they didn't come back, Zhou Ming waited here for a while, and saw the class leader Chen Shu coming back first, his expression was very happy, and before Zhou Ming asked him what was wrong, he took the initiative to come over and tell Zhou Ming: "Teacher, I got a very good piece of information today, which is the insurance company!"

Zhou Ming was a little surprised: "Why did you also think that it was an insurance company?"

Chen Shu nodded vigorously: "I knew that the insurance company was engaged in finance, but I forgot his composition and his business method, until today in the library I heard two senior seniors talking about me that I remembered, we can also be an insurance company!"

Speaking of this, Chen Shu reacted: "Teacher, look at your expression, you seem to have thought of it?"

Zhou Ming nodded and said, "I just had coffee with Chairman Danny of the Student Union, and he also mentioned the insurance company to me, I think this will be a very good direction." ”

When Zhou Ming and Chen Shu were chatting, suddenly Ye Ning also came back, she saw Zhou Ming and Chen Shu here, happily came over and held up the newspaper in her hand and said: "Teacher, class leader, look, this is what I saw on the side of the road just now, someone is talking about the business of insurance companies, which reminds me that insurance companies are companies that can engage in the financial industry without qualifications, and this can be our direction!"

Ye Ning was stunned for a moment as she spoke: "Teacher, class leader, you don't seem to be happy?"

Zhou Ming shook his head and said, "No, we are very happy, because Chen Shu and I were discussing this just now. ”

"Ye Ning, this time I am one step ahead of you. Chen Shu said.

Ye Ning snorted and wrinkled Xiao Qiong's nose and said, "What's that, you are a blind cat who met a dead mouse, and I and the teacher are the heroes who see the same." ”

For the quarrel between these two students, Zhou Ming just smiled helplessly, and then the phone on Zhou Ming's body rang, Zhou Ming immediately connected, it was Li Yang who called, and he said: "Teacher, I know, we can engage in the insurance industry!"

"It turns out that Li Yang, you also thought of it, and I'm talking about this with Chen Shu and Ye Ning now. ”

Zhou Ming held the phone and said, at this time, the door of the dormitory opened again, and several students from the finance class ran in at the same time, and said to Zhou Ming in unison: "Teacher, we thought of it, insurance company!"

This next week, Zhou Ming frowned: Everyone thought of it? Is this really the same thing that heroes see?