After only staying in the Silent Forest for more than ten days, Higg and Blue Fairy turned to Bavaria City and returned to Fuxing City with Noah, which was already in the season of spring. And Nicole and Daniel had already returned to Fuxing City with ten warships more than ten days ago, and were busy training sailors and fleet cooperation, so they didn't have time to pay attention to whether Higg and Blue Fairy would come back or not.

Fuxing City is really the same every year, small traders and hawkers have long been refused to sell everywhere, replaced by huge shops, restaurants, restaurants, money banks, pawnshops, libraries, schools, opera houses, casinos, brothels, etc., many shops have even opened several chain stores in Fuxing City. The original dirt streets are paved with bluestone, and most of the bungalows in the streets are slowly turning into five- or six-story high-rise buildings, with shops on the ground floor and living on them. The civilization and affluence of the city can be seen from the clothing of the citizens, the clothes are not necessarily glamorous and noble, but they are absolutely clean and neat, and they are no longer like refugee concentration camps.

The huge statue of the god of war stood in front of the council hall, wrapped in a huge red cloth, and it was impossible to see its true face, and the craftsmen were preparing the final touches before they could be gilded.

What made Higg happiest was that Delonso had been in retreat in his magic hut for two months, and this time he didn't need to be locked up by Delonso to learn magic, and Altai was even more entangled in the final finishing work of the statue of the god of war, and had no time to pay attention to himself and Noah. Without the harassment of these two old men, Higg's mood was even better.

The marriage between Lord Higg and Blue Fairy has long been stirred up by Daniel and Nicole's description, and Charlie and Denilson, the two great butlers of Fuxing City, have to make up the banquet for the two of them, and notify the whole city. There were too many people congratulating on the day of the banquet, and Denilson's hands were weak when they received the gifts. Fuxing City, which was originally a city that never sleeps, was brightly lit all night, and it was lively for three days in a row, and it was still unfinished.

When the gift list and warehouse key were handed over to Lan Xian'er, even Higg was startled: "Denilson, are you afraid that I will ask you for money, so you came up with the idea of setting up a banquet?" ”

"The city lord's wedding, how can you celebrate it?" Charlie said with a smile, "These are the intentions of the citizens, merchants, and major forces, and the city lord and his wife can accept it with peace of mind!" ”

"There are more than 2 million gold coins alone, and countless jewels and curiosities?" Higg, who was looking at the gift list, exclaimed, "Am I a disguised wealth?" ”

Denelson smiled: "I don't know about others, but the merchants and the major forces are eager to have such an opportunity to get close to the city lord!" Besides, I really don't have any money, and the money bank has added three additional investments in a row, and each time Nicole and I have added more than 10 million yuan each! Fuxing City's annual income is more than 50 million gold coins, and I really don't have any money to give to the city lord, so instead of letting the city lord speak by himself, it is better to give the city lord some benefits first, hehe! ”

"When will the money bank and pawnshop be profitable?" Higg asked.

"The pawnshop is already profitable!" "But the bank is a bottomless pit, and at most this year it will break even, and if you want to make a profit, you will have to wait until next year." ”

"It's almost 200 million gold coins and you haven't made a profit yet?" Higg sighed.

"If you want to get money quickly, it's not easy!" Lan Xian'er smiled.

"Madam, don't find me any more work, I don't have any money to invest!" Denilson said.

"I'm sending you money this time, Denilson!" Lan Xian'er smiled, "You don't need to invest!" ”

"Send money?" Higg, Charlie, and Denelson were all puzzled and didn't know how Blue Fairy was going to send the money.

Lan Xian'er said with a smile: "Denilson, Charlie, those merchants transport goods to or out of Fuxing City, if they encounter pirates, robbers or cargo ships sink, and the carriages and horses fall off the cliff, who will bear the losses?" ”

Denelson said strangely: "Of course, the merchants themselves bear it, if it is robbed in Fuxing City, we will only cooperate with the investigation, who will bear this kind of thing for them?" ”

Lan Xian'er smiled: "Why can't we bear it for them? ”

Charlie wondered, "What do you mean, madam?" ”

"As long as they give money, we can bear it for them!" Lan Xian'er said, "After a merchant ship carrying goods worth one million gold coins leaves the port, as long as they pay 100,000 gold coins, whether they are sunk at sea, hijacked by pirates, or sunk by a warship and confiscated by the government, we can compensate them with one million gold coins!" ”

Denilson asked, "If we only pay 100,000 gold coins, we will pay them 1 million?" ”

"Yes!" Lan Xian'er said, "I don't think that the trade route of Fuxing City will sink one out of ten merchant ships, right?" As long as you are willing to pay for us to pay for the compensation of the merchants, there are ten, hundred, thousand, and the money we collect is enough to compensate them! This consensual partnership is called insurance! ”

"Insurance?" Higg thought quickly and asked, "It's life, we don't have to do anything, as long as we're willing to take risks for them, okay?" ”

"No, there are still some things to do!" Lan Xian'er said with a smile, "Of course, if there is really an accident, the insurance institution still has to send professionals to investigate the authenticity, so as not to prevent someone from fraudulently defrauding the insurance!" ”

"But if they buy a million dollars of insurance for a hundred thousand worth of cargo, and then use means to deliberately sink the merchant ship, don't we suffer if we want to admire a million?" ”

"How much is the cargo of this ship worth, we will make a professional appraisal price before they buy insurance, they are worth a million of the cargo, our appraisal price will not exceed a million!" Lan Xian'er said, "Doing this ensures that if the merchant ship sinks, the merchants will also receive losses, but the losses are not so big, they can afford it." ”

"Of course, they can also only buy 500,000 shares of insurance, if the merchant ship sinks, no matter how much the cargo on the ship is worth, we will only pay according to the 500,000 shares they bought, and the rest of them are not covered by us, we are not obliged to pay!"

Charlie then asked, "But why do those merchants believe that we will pay, or have the ability to pay?" ”

"The credibility that the insurance industry needs, and what the money bank needs is also credibility!" Lan Xian'er replied, "The insurance industry must be linked to the bank!" The reason why I didn't propose this money-making industry a year ago was because the money bank system had not yet been established. Now, many people know that there is an investment of 200 million in the money bank established by Fuxing City, and no one will worry that Fuxing City will not be able to afford the compensation or will lose its credibility for this money! ”

"Why 10 percent of the sum insured? Not more or less? Charlie asked.

Lan Xian'er smiled: "I'm just giving an example! The cost of insurance is charged according to the different environments, for example, the route taken by the merchant ship is very safe, and there has never been a shipwreck or piracy, then the cost of insurance will be very low; On the contrary, it will be higher! There are even some routes that can't be insured, for example, a certain route is in a naval battle, and you still have to take that route, and you want me to come here to buy insurance, then of course I won't accept it, because the price I want is definitely something your merchant can't afford! Or even if I had to bear it for you, I wouldn't have to bear the most likely scenario of you being sunk by a battleship! ”

"It's like sitting on the ground and making money!" Higg smiled, "As long as we do a good job of evaluating all aspects, then we can't make any money?" ”

Lan Xian'er said with a smile: "The operation of the money bank is to make money first and then make a profit, while the operation of insurance is to make a profit first and then invest, the two complement each other!" ”

Seeing the eyes of several people attending the meeting rolling and calculating something, Lan Xian'er smiled: "The cargo insurance I mentioned is only the simplest and most direct type of insurance!" In fact, anything can be related to insurance, because there are risks associated with doing anything. As small as a farmer growing a crop, we can also guarantee a good harvest, or a hen, or we can guarantee that they will not lay 20 eggs a month, as long as they are willing to bear the cost of the insurance we propose. As big as the army's expedition, the national war, whether it will win or not, and what the number of casualties will be, they can bear it, as long as they are willing to pay! ”

Higg said: "Then you need a strong assessment team, and any industry needs to know yourself and your opponent to do a good job of insurance, right?" ”

"Yes, we won't intervene in the uncertain risk for the time being!" Lan Xian'er said, "The appraisal team needs very professional talents, not only to evaluate the value of the goods, but also to assess the social and environmental risks, such as a sixty-year-old sick old man, who wants to buy insurance from us, if he dies within ten years, how much will we have to pay his son, then of course we will not do it!" But what if it's a middle-aged person in his forties who is not sick or sick, we can do it, but the problem is that we have to have a professional who knows how high the risk of this person is dying in ten years to assess how much insurance we should charge! ”

"Great, the port trade route, the pawnshop of the bank, plus insurance!" Higg sighed, "Even if Fuxing City doesn't have any production capacity, it can still support itself and be just as rich!" ”

"What's good?" Denelson said, "The pawnshop hasn't been sorted out yet, and now there is an insurance, how can I have so many people to do these things?" These people need to be professional at a high level! ”

"There are so many schools in Fuxing City, you can set up a major such as money bank and insurance to train talents in this area!" Lan Xian'er said, "If there are not enough people, don't spread out so much, first do the most profitable, the largest volume, such as the whole ship's goods, simple and direct, huge amount, easy to manage, and can also establish credibility as soon as possible!" Now we know that the economic development of Fuxing City has led to the development of a series of industries such as education and scientific research in Fuxing City, and the development of Fuxing City needs talents, so we will develop talents, which will also promote the cultural development of Fuxing City, so that Fuxing City is not only the economic center of the world, but also the cultural center. ”

Denilson said with a sad face: "Madam, I just helped you collect some gift lists, you found us such a big thing to do, even cultural development has come together, do you treat us like this?" ”

……