After listening to Shi Wei's introduction, Lao Liutou's son said that he did not have time to discuss in detail at present, and would visit the shops of Huaxia Insurance in the town when he had time. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

However, Shi Wei was very satisfied with this conversation, at least Lao Liu's son was willing to listen, so Shi Wei paid out of his own pocket to buy a small one-year life accident insurance for Lao Liutou's son.

Of course, all of this was operated by himself in the Huaxia Chamber of Commerce, and Lao Liu's family didn't know.

When Lao Liutou's son drove the car into the workshop, Lao Liu Tou and the workers in the workshop began to unload the goods.

This time, Lao Liu Tou listened to his son's suggestion and said that it was a popular wooden floor in the city now, so he came back from Huaxia City this time and specially bought a batch of samples back.

After the samples were unloaded, Lao Liutou's son began to unpack them and said one by one: "This is the wooden floor, which is now popular in Huaxia City and Baiyan City." ”

Looking at the wooden floors that were stitched together, Lao Liu couldn't help but sigh: "I have been a carpenter for so many years, and it will take a few years to say the least, how do they do it?"

"Not only the pulp, but also the splicing grooves, it is said that the factory in Huaxia City can produce 3,000 square meters of wooden flooring a day. ”

"Good guy, how many people do you have to use, this thing is expensive, right?"

"I heard this time that there are only dozens of people in the wooden flooring factory, and although it is not cheap to sell now, the cost should not be high. ”

"With so few people, how can they do so much in a day?

"That's right, in addition to the cutting machine, there are also grooving machines and grinders, which are said to be driven by a new type of internal combustion engine, and the zero degree is better.

Our workshop now has a cutting machine, and we only need to buy a set of grooving machines and grinders, and we can also produce wooden floors. ”

"How much do those two machines you said cost?"

When Lao Liu Tou asked this, his son's mood was obviously lost, obviously this price is not expensive.

"The current price is a total of 50,000 coins for two machines. ”

"Fifty thousand! This is almost the price of a car, kid, let's take it slowly, we just bought a truck, the money hasn't been paid yet, and we can't afford to toss." ”

It turned out that although Lao Liu's family seemed to have bought a car, in fact, half of the money for buying a car was a loan.

Now the family still owes tens of thousands of yuan to the bank.

Although the situation is difficult, but the son of the old Liu Tou is still unwilling, the opportunity is fleeting, if you don't go to the wood floor now, and so on, I am afraid that the wood floor manufacturers in Huaxia City have become bigger and stronger, and the market is saturated.

Maybe he saw his son's unwillingness, Lao Liu Tou only had to say something to comfort: "I'll go to the bank in two days and ask if I can take out a loan to buy it, so let's work." ”

Perhaps knowing that his father was comforting him, the son of Old Liu Tou reluctantly squeezed out a smile and began to load the furniture made by the workshop on the car.

After lunch, I drove to Baiyan County to make deliveries.

This trip will take at least five days to drive back, not a problem of behavior and road, but after the delivery of the goods, Lao Liutou's son will also pick up new orders in Baiyan County, and it is best to pick up a few freight orders back to the town, which is perfect.

On the third day after his son left, Lao Liu Tou was busy with the orders in hand and went to the town's commercial street to hang out.

After walking, he came to the door of the branch of Huaxia Bank in the town, and thinking about what he said to his son that day, Lao Liu Tou walked into the bank hall.

"Yo, Liu Lao, what is Noble today's business? The car loan you handled for your family last time, how is the car still easy to use?"

Obviously, Lao Liu Tou is more well-known in this town, after all, he is the first family to buy a car, although it is a small truck, but it is also the first.

"Hehe, everything is fine, but today I want to ask something. Lao Liu Tou was a little embarrassed by the shopkeeper in the bank hall, and said timidly.

"Old Liu, if you have any questions, just ask, and I must answer all the questions I know. ”

"That's right, you know my son, he doesn't know where he got the news that the wood flooring business is good, and he is going to buy a machine to produce wood flooring.

But this machine is too expensive, two machines cost 50,000 yuan, I thought to see if your bank can bring some money, first buy the machine back and produce. ”

The bank shopkeeper listened to Old Liu's words, pondered for a moment, and said, "Hey, it would be better if you had come a month earlier." ”

"What's wrong, is something wrong?" Lao Liu was very puzzled by the bank shopkeeper's annoyed expression.

"Actually, it's not a big deal, didn't the government establish and China Merchants Bank, and now China Merchants Bank wants to develop in the whole alliance, and a lot of money has been transferred from Huaxia Bank.

Now that the bank is tightened, it is much more difficult to get a loan, one is that it needs to be mortgaged, and the other is that the down payment ratio shall not exceed 50 percent. ”

As soon as Lao Liu heard this, he knew that this loan might be in vain, and with such strict loan conditions, it was impossible for him to take out a loan.

"Oh, that bother. ”

"You always walk slowly. ”

In this way, Lao Liu Tou walked out of the bank door with some loss, and was thinking about how to tell him when his son came back, when suddenly the workers of the workshop came over in a hurry.

"Liu Lao is not good, something happened to the young owner. ”

Hearing this, Lao Liu Tou was like a thunderbolt from the sky, and hurriedly calmed himself down in his heart and asked, "What happened, tell me clearly!"

On the way back, a deer suddenly came out of the Shaodong's house, and the Shaodongjia hurriedly avoided it, so he had a car accident and hit a tree on the side of the road, and is still in the hospital for treatment. ”

After hearing this, Lao Liu Tou hurriedly took the person who ran away and wanted to go home to get the money and prepare to go to the hospital.

When Lao Liu Tou came to the hospital in a hurry, Lao Liu's son was reading the newspaper on the hospital bed to pass the time, and Lao Liu Tou was relieved to see his son like this.

"What's the matter, what's the injury?" asked Lao Liu Tou, pushing open the door of the ward.

"Dad, why are you here? Hey, it's just a little injury, a cut in the leg, and eighteen stitches. ”

"This is still a small injury? Such a big opening, if there was no hospital before, people would have died. ”

"Isn't this a resource? The doctor said, I am refining Qi Realm cultivation now, and the wound heals quickly, or I will be discharged from the hospital in less than a week. ”

Just as Old Liu Tou was talking to his son, the door to the ward opened.

"What are you doing here? I didn't see my son lying here, and I wasn't interested in your broken insurance. ”

The person who came was none other than Shi Wei.

"Don't get excited, don't get me wrong, I'm just for something else this time. ”

"What else can you do? ”

"That's right, isn't Mr. Liu Xiu having an accident now, let's check, we have a policy of Mr. Liu Xiu's accident insurance in our Huaxia Insurance.

This time, I came here to discuss the claim, and all the medical expenses and lost work expenses of this accident were paid by our Huaxia Insurance. ”

After Shi Wei's words were finished, Lao Liu Tou and his son were all dumbfounded, this insurance is really compensated, but they don't remember what accident insurance Liu Xiu has bought.

At this time, before Lao Liu Tou and his son could recover from the surprise, the patient in the hospital bed next to him shouted: "The one who sells insurance will also give me a copy." I really regret that I didn't buy it in the first place!"

"Hehe, this gentleman, wait a minute, I'll help you finish the claim here. ”

At this time, Lao Liu Tou's father and son also came back to their senses and said: "I remember that we didn't buy any insurance, could it be a mistake?"

"Hehe, no mistake, after I talked to Mr. Liu Xiu that day, I bought an accident insurance for Mr. Liu Xiu out of my own pocket.

In fact, it doesn't cost a few dollars, but I didn't expect to use it this time. ”

"Thank you, Mr. Shi Wei, if it weren't for you, our family's loss this time would not be small. Be sure to buy more insurance at a time. Liu Xiu was obviously very moved by Shi Wei's behavior.

"Don't worry about this, you can come to our store to find out when the time comes.

I heard that your workshop is planning to finance a loan recently, I wonder what the situation is?"

When he mentioned this old Liu, he said with a sense of loss on his face: "Hey, it failed, the bank's current loan conditions are too harsh, and we can't meet them." ”

"Have you ever considered taking out a loan from our Huaxia Insurance?" Hearing this, Shi Wei immediately recommended Huaxia Insurance's loan service to the two.

"Aren't you selling insurance? How can you still lend?" Regarding this question, Lao Liu Tou was very puzzled.

"Insurance is just one of our businesses, and the deposit business of Bank F is also a basic business, and lending is also our main business.

Rest assured, our chamber of commerce Huaxia government accounts for 50% of the shares, and the chamber of commerce has more than 10 billion funds, which is very strong.

I've been investigating your workshop for the past few days and found that you are fully eligible for our loan. ”

"But our workshop has been mortgaged to the bank to buy a car, and they don't agree, how can you agree?"

"It's very simple, the banks are so big that they lend money and only accept collateral in order to reduce risk.

We have investigated and used data to speak, and the data shows that you are excellent but you are short of money, even if you don't have a mortgage, I can lend you money. ”

"That's great!"

On this day, Lao Liu Tou finally solved the problem of equipment funding for the production of wood flooring.

And Shi Wei also successfully signed a high-quality customer in this town, and found a good place to sell insurance - a hospital.

Things like Lao Liu Tou happen from time to time in the districts and counties near Huaxia City.

And all thanks to Huaxia Insurance, which was founded by Huang Xiucheng and Li Yang.

Of course, Huaxia Insurance has also brought unprecedented benefits to the two.

In just half a year, Huaxia Insurance has lent 10 billion yuan in the vicinity of Huaxia City alone, and absorbed as much as 30 billion yuan in insurance money.

The amount of compensation is also as high as 26 billion.

However, even so, not counting the loan interest income in the past six months, the insurance business income alone is as high as 4 billion yuan, like a giant chamber of commerce.

However, with a good reputation for claims, the scale of Huaxia Insurance is still expanding.

With the investment of financial market insurance, various small and medium-sized chambers of commerce have learned to finance and control risks.

The economy of the Huaxia Alliance was further stabilized.

And with this wave of insurance, there are also a lot of physical chambers of commerce. The Huawei Chamber of Commerce is one of them.

The chamber of commerce, which was originally named by Shang Weiyang and founded by two veterans, has now become a beneficiary of this financial innovation.

The founders of the Huawei Chamber of Commerce, Ren Xiaofei and Yu Dong, are not only veterans, but also real factory technicians.

After the two founded the Huawei Chamber of Commerce, they became more persistent in technology.

Therefore, the automotive springs produced by Huawei Chamber of Commerce not only have high strength and good elasticity, but also have very high production efficiency.

Now it has successfully become the supplier of Huaxia Automobile City, of course, the financing services provided by Huaxia Insurance to the two are indispensable.

At the beginning, when everyone was superstitious that the springs produced by the government must be better than those of the private sector, Huaxia Insurance not only sent people to investigate, but also directly invested in the Huawei Chamber of Commerce.

30 million yuan got 40 percent of Huawei's shares. It also provides a large amount of market data to the Huaxia Chamber of Commerce.

With the entry of funds, good market judgment, and unique technical advantages, Huawei Chamber of Commerce has soared to the sky in just half a year.

Revenue reached a staggering 180 million tokens.

And Ren Xiaofei, president of the Huawei Chamber of Commerce, also became an outstanding Laborer at the end of that year.

However, just when the situation was good, the Huawei Chamber of Commerce had a disagreement with Huaxia Insurance.

Ren Xiaofei, who is obsessed with technology, decided to follow the example of the Huaxia Alliance government, set up a research and development department within the chamber of commerce, and hired graduates of the Truth College with high salaries.

However, this proposal was resolutely opposed by Huaxia Insurance, for the simple reason that it was too expensive to do scientific research, so it was better to use the money to expand production.

However, Ren Xiaofei does not agree with this, he believes that the future must belong to new technologies.

In fact, in the past six months, Shang Weiyang has continued to promote electricity and cooperate with the construction of power infrastructure, so that everyone knows the existence of electricity.

There have even been several science and technology exhibitions, and Ren Xiaofei saw the electric light at a science and technology exhibition, and he came up with the idea of establishing a scientific research department.

His idea is very simple, the future must be the era of electricity, reserve his knowledge and skills one day earlier, and when the age of electricity comes, he will start much higher than others.

However, Huaxia Insurance does not agree with it, they feel that new technologies represent instability, and it is difficult to say whether the power era can come, if the R&D investment is huge, and the corresponding products cannot be produced at that time, then this is undoubtedly devastating for the current Huawei Chamber of Commerce.

In the end, the two parties could not reach a consensus, and Ren Xiaofei and Yu Dong scraped together 80 million yuan of the income that belonged to them in the past six months to Huaxia Insurance, and recovered 40% of the shares.