As the pace became faster and faster, the number of pedestrians around gradually increased. Although there are shops on every road, the market in Shouchun City has not decreased, but seems to be full of life.

"Let's take a look, this is the best silk from Yizhou, the price is cheap and you want to buy it as soon as possible"

"Silk, silk, does anyone want it?"

“……”

There was a voice in my ears, and the silk seller and the silk seller were together, and the straw sandals seller was also with the straw sandals seller. This strange sight makes people feel a little surprised. Shouldn't merchants be sold separately? Push each other and are not afraid of price reduction? You must know that this is a very unfavorable situation for businessmen.

Guo Jia frowned and gradually fell into contemplation, his eyes looking back and forth around.

I saw a man dressed as a man come out of a silk shop, take out a wooden sign and put it in the front. Then beckoning inside, several men dressed as men came up, piled up with various items such as porcelain and silk.

Seeing this, the surrounding pedestrians ran over one after another, and almost in the blink of an eye, the water surrounding the place was impassable. Then everyone rushed to tell each other, and there was a tidal sound in their ears.

"Wu Ji Trading House is back, everyone hurry up."

"Get your membership card and come and get it"

"I heard that I went to sea this time, and I made a lot of money, and I think I will get a lot of good things."

The word going to sea was hovering in his mind, and Guo Jia, who was walking around, couldn't help but light up in front of him. Then he and Cao Hong exchanged glances and followed the crowd towards the shop.

"Dare to ask this brother, what does the shop have to do with making money and us?"

"It's not about us, but it's about members"

"What is a member?"

"There are two kinds of members, one is to deposit bonds in shops, which is called lending. The shop guarantees the principal after the expiration date, and at the same time gives a gift every month. The second is to hand over the bonds to the shops and share the interests and risks with the shops. If they don't manage well and lose money, then the bonds given to them will be lost."

"Bonds? However, the Yuzhang bonds issued by Yangzhou"

"Yes"

One replied to Guo Jia.

Looking at the long procession, his eyes were full of anticipation.

"I said that the fleet of the Wu Ji Chamber of Commerce will definitely be able to return smoothly, but now it seems that it is true. In just half a year, the principal has brought ten times the benefits, and it will be developed in this way."

"Ten times the profit?"

Guo Jia gasped.

How much is the benefit of Tuntian? Why did this person get such a huge benefit in half a year? It seems that my demon clan needs to learn from the demon clan in many places.

"Ten times the profit is considered to be less, of course, risks and benefits coexist, and it is possible that two or three out of ten ships will return."

"I still don't understand, what does the return of the fleet have to do with you?"

"Because we're a shareholder"

"Stake?"

"It means that risks and benefits are shared together, and it is also the second situation of members that I just mentioned, where the amount of money is paid to determine the distribution of losses and profits afterwards."

"What will happen to these members if the ship is all destroyed?"

"The principal is lost"

"And then? If the crew of the ship dies, there is no need for a pension? ”

"That's an insurance thing, we buy insurance for everyone who goes to sea"

"What is insurance?"

"It's a group of people who are willing to take risks, they assess the risks of going to sea, and then they charge insurance premiums of all sizes. If the journey goes well, the cost of insurance will fall into their pockets. On the other hand, if the ship is shipwrecked overseas, then it is up to them to pay for it."

The person standing next to Guo Jia explained.

Guo Jia's eyes were full of shock, obviously he had seen this matter more thoroughly than ordinary people.

"How can they afford the high cost of bereavement benefits?"

"Expensive? You should say that the cost of insurance is high, almost half of the cost of the pension."

"Half?"

Cao Hong, who was standing on the side, gradually frowned, and suddenly felt as if he couldn't keep up with his train of thought. But vaguely I feel that this system may be very useful for Chongzhou. So I secretly remembered it in my heart, and waited for time to ponder it in detail.

"You are not afraid that after the shipwreck, those groups that sell insurance will see that the amount of compensation is too large, so they will abscond directly."

"There is a guarantee that something like this will not happen, and they may have to pay a large deposit at the overseas governor's office. In the case of absconding, the deposit will be paid directly to the victim's family, and the shortfall will be made up by the overseas metropolitan government. At the same time, the license of the insurance gang will be revoked, and the state will also issue a sea fishing paper."

The man said slowly, with a look of fearlessness.

What is Insurance? It was an industry that ensured income during droughts and floods, and I don't know how many people sharpened their heads just to get the thin bamboo chips from the hands of overseas protectors. In the words that Guo Dudu often said, this is to pick up money, only people with poor brains will refuse such a good thing.

It seems that the risk is huge, but in terms of the huge insurance cost and the number of people insured, this is a completely positive return thing. And there is a huge amount of money in his hands, even if he eats the interest given by the shop, he can be full of money.

"If there is chaos today, as long as you flee to other states and counties, it seems that you can still get away. It seems that the punishment is not as big as imagined. If the security deposit is gone, it is gone, after all, the money in your hand is the most majority"

"Do you think the biggest penalty is the sea fishing paperwork and security deposit?"

"Isn't it?"

"It's not these two things, it's a license"

"Why?"

"Because selling insurance is a profession that guarantees income during drought and flood, it seems that the risks are very large, but the division is actually not big for everyone. For example, if a hundred ships go to sea, and fifty-one boats can be returned, they will earn. If they can go back fifty boats, they will earn too, and if they can go back forty boats, they will still earn"

"It can't be"

"Why can't it?"

"The premium for each ship is only half of the post-mortem pension, and shouldn't more than half of the shipwrecks be a loss?"

"You only see one thing, but you don't see the other thing, with such a huge amount of money in your hands, if you lend money to shops, or buy real estate in a prosperous area, can't you make money by renting it to merchants? It's the most impressive, and at the same time, the most overlooked."

The man said to Cao Hong and Guo Jia.

Then raise your voice.

"If you don't believe me, you can go to someone and ask if they have a license to sell insurance. Children who have just learned to speak will not hesitate to choose to sell"

Looking at the man's arrogant appearance, Guo Jia's heart beat violently. Although these words may not sound like much, a closer look reveals that there is a terrifying power hidden in them.