Not only did the name of the insurance company be chosen, but also let his subordinates on Hong Kong Island dig up many backbones of Hong Kong Island insurance companies for him.

Get ready to make a big splash in the Huaxia insurance market.

The imperial capital of Yanjing.

Li Jun's secretary Fang Duoduo saw his own operation of the insurance company.

She couldn't help but want to question it, because she didn't experience the call of insurance companies in the financial markets in the future.

Insurance funds are the largest super treasury in the stock market and in the field of financial investment.

Even the government has relied on funds from the insurance market to stabilize the Chinese securities market.

In order to maintain the stable and healthy development of listed companies and the capital market, the China Banking and Insurance Regulatory Commission encourages insurance companies to use long-term account funds to increase their holdings of high-quality listed company stocks and bonds.

The Baowan controversy in later generations has made people see the power of insurance funds, Baoneng Department mobilized strong life insurance funds, Vanke found Anbang Insurance, and insurance funds dominated the sea of financial stocks, allowing people to see some of the mysteries of the largest bookmaker insurance funds behind the scenes of the stock market.

Many of this boss's businesses are a hammer in the east and a hammer in the west, she has been with her for so long, and many companies are throwing money, so Fang Duoduo is ready to advise that the boss should develop the company that is already doing it, instead of constantly going here and there.

"Boss, if you want to be an insurance company, the insurance company will lose money, and if something happens to others, it will be dozens of times the premium...... Boss, every time you have an idea, you should gather your subordinates to discuss, you are acting alone and arbitrary, which is not conducive to the development of the company......"

Li Jun didn't know what to say about Fang Duoduo's questioning of himself and complaining that he didn't consult with their subordinates, because he was a person from the past, and the things he knew were different from the people around him, and he didn't think that some ideas could be accepted by everyone immediately, they just had to implement them, and being an enlightened boss told them, Li Jun felt that it was a waste of time to suffer from their rebuttals.

Because everyone is a self-righteous person, many people will think that they are the right side, from your loved ones you can find that they think they are like that, and when his ideas and most views are still consistent, but they don't know that they are self-righteous and smart at the same time, and the benefits between the groups will be superimposed on each other, so many of their ways of thinking and doing things are in their group, blindly following the self-righteous group views, and losing their rational thinking ability.

In fact, most of the truth ultimately shows that the majority of people are actually wrong, and the truth is often in the hands of a few.

Just like people who make a fortune, they generally make a fortune quietly, have the ability to think independently, and do not blindly follow the public opinion, and those who shout loudly are never really rich people, so with the 28 law, 20% of people grasp the truth and become the first to get rich.

At this time, the business of Huaxia Insurance Company had not yet started, so if I didn't understand the industry, I felt that this industry was a loss-making business, so even if it was easy to get a license in this era, I was unwilling to do it.

If someone pays attention to this industry, it is just looking at the appearance, for example, from the financial reports of insurance companies on Hong Kong Island, it can be seen that most of the assets of insurance companies are responsible, and they are as high as 90% of the liabilities, as Fang Duoduo's secretary suspects, the insurance company receives the insurance premium, and bears the potential need to pay the insured amount and income to the policyholder, so most of the premiums are to withdraw reserves to compensate customers, so as a "liability" This kind of liability is the same as that of the bank, and the money deposited by the depositor in the bank belongs to the depositor and is also a "liability" of the bank.

But insurance is different from the bank is that the bank's money can be withdrawn in full at any time, even if it is a fixed deposit, the depositor can only lose a little interest at any time, the principal is no problem, and insurance is not so, the insurance payment is limited by the amount of time, no accident serious illness is not able to receive your insurance amount, if you choose to surrender the policy, those previously paid premiums can not be returned, so although many insurance assets are counted as liabilities, but most of these liabilities are very long-term, and even do not need to be replaced in full。

The next most important point is that banks can't take depositors' money to invest, they can only lend, and insurance companies can invest in stocks, funds, real estate, etc., with relatively high returns, insurance companies can do investment, banks can't, bank money depositors can take it away at any time, and it will definitely not work to buy stocks, so insurance companies have become bigwigs in the investment industry, and insurance companies can easily mobilize their huge amounts of funds, while banks cannot.

Fang Duoduo's eyes looked at Li Jun expectantly.

Although this boss is small, he knows more than everyone else, although he hopes that he will listen to other people's opinions more, and he has to admire his own little boss very much, no, the big boss, although he is a little younger.

"The misappropriation of insurance funds to invest, this empty glove white wolf is the insurance company's profiteering?"

asked Fang Duoduo repeatedly.

Li Jun was in a good mood, he shook his head and continued with a smile: "Not only that, but the insurance company's premium is the most direct source of profit for insurance, which can be summarized as the difference between death, interest and waste. ”

"What is a death difference?"

"For example, when insurance is more priced, 20% of people are likely to die before the age of 70, and only 10% of people actually die with improved medical care, then the insurance company makes 10%. ”

"So what's the spread?"

"The insurance company told you to pay a pension fund, 5,000 yuan a year, pay for 15 years, and wait for you to return the income every year or every month after you are 60 years old, promising to give you 5%, but in fact, the insurance company uses this money to invest in buying a house, to engage in real estate development, to buy a commercial building, to collect rent, the income is 15%, or the money appreciates by 15%, but only 5% of the income is yours, and the rest of the income is the insurance company. ”

"What is the fee?"

For example, if the annual operating cost is 100 million, but in fact there is not so much, then the remaining money is also earned by the insurance company, and all roads are for the insurance company to make money, as for the investment is not lost, the requirements for the investment of the insurance company are limited by rules and regulations, all of which are based on stability, so it is basically steady to make money, the ups and downs of the market economy, especially the financial sea, there will always be a probability of bankruptcy, but later generations of Huaxia have never seen the insurance company fail。 ”

……

A day later.

Fang Duoduo brought the insurance talents poached from Hong Kong Island to Li Jun's office.

The leader is a female general, who looks like a strong woman, and she feels like she walks with the wind, quite like Miss Dong of Gree.

。 m.