The concept of insurance is indeed beyond the thinking of the Tang people. The bigwigs of the three provinces and six departments, including Li Shimin, none of them can understand. They seem to be listening to a fantastical story, and they can't figure it out, and they buy an insurance policy with their usual money, and if there is an accident, they will pay 50 yuan. The deposit is only 30 times, where did the extra 19 pieces come from?

Ah, there are banks. Li Mu has a bank, he can deposit money in the bank and then lend it out to make a profit! What a treacherous!

But after thinking about it, it's not right, this money can't be deposited in the bank, this money is used to buy supplies for the Turkic tribes, and it has already been spent. The rest of the money, even if it is deposited in the bank, cannot be increased by nineteen times. If you can really have such a big profit, who still does what to do in business, just buy insurance and lie down at home to sleep!

And Li Mu's attitude is also strange, just now he looked listless and helpless, when he mentioned this insurance, he suddenly seemed to be a different person, and his face was radiant. This made Li Shimin have to wonder if this kid was forced too hard and had a brain disease, otherwise how could he say such a ridiculous thing. Li Shimin couldn't help but blame himself a little, and his gaze at Li Mu became more and more ashamed.

"Your Majesty, what is the minister's idea, you are talking!"

Li Shimin sighed, didn't dare to look at Li Mu's gaze, and said, "Li Mu, it's my mistake, I shouldn't put so much pressure on you." Okay, don't think about this, hurry home and rest, I will send someone to inform Liu Shenwei and ask him to go and see you-"

"Huh?" Li Mu was full of question marks in his head, and said speechlessly: "Your Majesty shouldn't think that the minister is crazy, right?" This plan was prepared by the minister years ago, and all the ingenuity and hard work of the minister was poured in, how can Your Majesty think that the minister is crazy, this is too hurtful! ”

Li Shimin said: "Li Mu, do you know what you're talking about?" Thirty times a deposit, I always bought an insurance with money, I don't have to do anything, and I pay fifty times. The principal was used to buy supplies, and it was spent. In other words, the money has always become fifty guan in the end, can I ask you, where did these forty-nine guan come from? ”

The eldest grandson Wuji and others also had this doubt, and they all cast their eyes.

Li Mu suddenly realized that the problem was here. He laughed and said: "This is the minister's ability to eat, originally, it is not easy to tell outsiders, but Your Majesty and the princes are not outsiders, and it doesn't hurt to say it." Your Majesty, think about it, if a person pays a consistent amount of money for an order, a hundred people are a hundred yuan, if all the orders are completed, then don't I earn a hundred yuan in vain? ”

The eldest grandson Wuji couldn't help but say: "How can there be such a good thing, if there is a problem with two out of a hundred orders, the hundred yuan you earned will be gone." If there are three problems, you will lose money! ”

"That's right." Li Mu said solemnly: "But I want to ask Uncle Guo, how do you know how many of the hundred orders will have problems?" Do you think it may be three, or even thirty, but I think that under the operation of the Ministry of Internal Affairs, the possibility of problems will not exceed two, or even one, so did I earn this money? Everything is risky, this is like a gamble, support the bold, starve the cowardly, I weigh more than 100 pounds, 99 pounds are gallant, I dare to do it, I deserve it, no? ”

Li Shimin said in his heart, are you bold? You're a pit man! You just made it clear that you are using my internal money to endorse, and if you lose, you will lose my money! Li Shimin was anxious, but he was embarrassed to speak, and kept giving others a look, hoping that someone could stand up and break this matter.

Li Mu has just gotten up with the eldest grandson Wuji, who else can be willing to wade into this troubled water. When you are in trouble, you can see your character, and at this time, you have to be Wei Zheng.

Wei Zheng, who had not been angry, saw the eyes handed over by Li Shimin, hesitated for a moment, and then said: "Li Mu, you said that Uncle Guo doesn't know how many orders will have problems, and you don't know either. No one knows until it happens. And you gamble with your inner money, and if you lose, it will be Your Majesty's money that you lose. I privately think that this matter is inappropriate. ”

Li Mu waited for this sentence, and was secretly happy in his heart, but his face turned red, and he said angrily: "Old Wei, do you mean that I am pitting Your Majesty?" When did my Li Mu ever make a loss-making transaction? Datang Insurance will make money every day, I made a rough calculation, if the implementation is in place, the net profit of hundreds of thousands of yuan a year is not a problem. This is a golden idea that I have worked so hard to come up with for Your Majesty, and it is a golden idea that can make your Majesty's surplus of millions of dollars as soon as possible, and I have contributed all my wisdom to Your Majesty. You know a lot! ”

Wei Zheng was already accustomed to Li Muyi, turned a deaf ear, and said to himself: "The old man didn't say that your original intention was wrong, the old man was just pointing out the risks." If it's what you think, it's good, but if it's not what you think, isn't it bad? There are accidents in everything, and you can't guarantee that they won't happen. If the old man is allowed to choose, the old man would rather choose a safe way, even if it is slower, rather than take a risk, and now Datang is not without time to recuperate, and he is not in a hurry to gamble. ”

"Lao Wei, you are a person who is old and timid, if you don't try, how do you know that you won't succeed? I, Li Mu, didn't give it for nothing, I said that if I can achieve it, I will definitely be able to do it! ”

Li Mu is of course confident that in his previous life, if he opened an APP, he could see advertisements for various insurances. What kind of life insurance, accident insurance, illness insurance, invest nine yuan and eight dare to protect you 10,000 yuan, invest 200 dare to protect you 200,000, 100 times the sum insured, why do insurance companies dare to have such confidence? It's not because of the insurance industry, it's too profitable!

Some good people have specifically calculated that the profitability of a certain insurance giant in its financial reports in the past ten years has reached 109%. Speaking of this, some people will be surprised, 100% is impossible, after all, there is still a salary commission to employees, and there is also a compensation for insurance, where does the extra 9% come from? The answer is very simple: after the insurance company gathers a huge amount of money, buys land, invests in real estate, enters the stock market to buy shares in high-quality companies, and goes around and around, it will be 9 percent more.

It is impossible for an individual to be able to count the team of actuaries with an annual salary of one million yuan of insurance companies, and the difference rate and interest rate of any type of insurance will always be controlled by the insurance company, and the insurance company will always make a steady profit.

Li Mu does not have an actuary, but he, the game data balance designer, is the best actuary in Datang. If the Ministry of Internal Affairs controls all the order trade, he can be confident that the order fulfillment rate will be higher than 98 percent, or even not a single problem. It's also very simple to operate, if there is a high probability that the order will go wrong, just split it, or simply don't do it, isn't it over?

It is a fundamental rule that those who follow the rules will never be able to play the one who makes the rules.

Li Mu is now relying on his knowledge of more than a thousand years of Tang people to reduce the dimension and fight against bullies, but the Manchu monarchs and ministers still can't see through it, this feeling is really not too cool. He deliberately did not explain the matter in detail, which seemed very risky and unreliable, so Li Shimin would inevitably be worried, as long as someone brought it up, he would borrow the slope to get off the donkey, and the insurance industry would naturally fall into his hands and become his golden doll, which was the purpose of his big play.

Now, the play is almost hot, it depends on how Li Shimin chooses. If he faced the risk and still chose to endorse the letter, Li Mu had no choice but to admit it. But Li Mu felt that with Li Shimin's character, there was a 90% chance that he would subconsciously avoid risks, because he really wanted 10,000 cavalry, and he would still be very shameless and throw this pot to himself.

As it turns out, Li Shimin never disappoints.

"Okay, don't make any noise, what a system!" Li Shimin cut off the quarrel between the two and said, "Li Mu, I think that Duke Wei's words are not unreasonable. Datang is not without time, and I am not without time, I can afford to wait. I don't understand insurance, and I don't understand it even if I hear you say it. Since you think you can make money, it is better for you to do it yourself, and the money you earn in a year is not less than your internal money, and you can afford it. I have other uses for my internal money. ”

How else to say that it is the person who is the emperor, look at what people say, you say that you can make money yourself, and my money has other uses. I dug a pit easily, Li Mu, didn't you say that you are guaranteed to make money, you have no reason not to do it if you promise to make money, if you don't do it, you are lying, and you have to bear the crime of bullying!

Li Mu was secretly happy in his heart, but his expression was stiff, as if he didn't expect Li Shimin to make this move, and he was stunned on the spot.

Looking at Li Mu's appearance, he strengthened the idea in Junchen's heart, and Li Mu didn't know the bottom of his heart when it came to insurance. He was forced to be helpless and foolish, and he wanted to get by. I didn't expect to be pierced by the wise and righteous monarchs and ministers, and it was completely out of line!

Li Shimin also felt that he had finally won Li Mu, and let him lift a stone to hit his own feet, needless to say, if he hadn't taken into account the majesty of the emperor, he would have laughed out loud at this time.

Li Mu also wanted to laugh out loud, but this play was not finished yet, he couldn't laugh, he had to cry, and the crying couldn't be obvious, he tried his best to adjust his facial muscles and forcibly changed his laughter to crying, which caused his expression to become crying and laughing, his lips trembled, trembling for a long time, and he held back a sentence during the period: "Your Majesty, this is a golden idea that the minister has worked hard to come up with for His Majesty, how can I use it myself, if I make money in the future, the minister will be embarrassed." ”

"How can I be a man who sees money!" Li Shimin came to the heart and shouted: "Gao Gan went to get pen and ink, I made a contract in black and white today, and the three provinces and six ministries were witnesses, what kind of insurance did he really make as Li Mu said, and I didn't take a penny!" ”

yes, that's how it went!

Li Mu's eyes were slightly red, Your Majesty, you are too righteous!

Seeing Li Mu's eyes slightly red, everyone was also secretly refreshed: Li Mu, let you be stunned, you deserve it!