Chapter 189: Insurance Belonging to the Ming Dynasty

After Chen Cao explained to Shen Zhuangling, he asked her to prepare for a business meeting the next day, and he was ready to put a major money-making project on the agenda.

"All of you here are business talents under me and my Chen Cao, and all of the shopkeepers are good at making money..."

When a group of people heard Chen Cao praise him like this, they all got up and bowed, and if they could be praised by the big shopkeeper and Dingwu Hou personally, it was naturally a topic that could be boasted about for several years.

There are three documents in charge of recording, because what Chen Cao wants to say is very complicated.

"How is the business of our dart game in the Ming Dynasty?"

Shen Zhuangling, as the general manager, made a lot of information before Chen Cao asked: "Master Hou, now there are three big dart bureaus in the Ming Dynasty, and there are all small political envoys, and Liu is the shopkeeper..."

The shopkeeper Liu pointed out by Shen Zhuangling is Shen Zhuangling's former confidant shopkeeper, whose full name is Liu Hesi: "Back to Hou Ye, the current three major dart bureaus are the Anyuan dart bureau of North Zhili, the Pingwei dart bureau of South Zhili and the revitalization dart bureau of Huguang. ”

"Is there a government-run dart game?"

Liu Yousi shook his head: "The imperial court looks down on these things, and besides, the imperial court still has postal services, so there is no need for these, behind these three major dart bureaus are the industries of the officials of the dynasty." ”

"Oh..."Chen Cao nodded, and then said: "The ticket numbers are outdated, even the Taixi countries are now engaged in economic industries to name bankers, and our Ming Dynasty is a little unable to catch up with the trend of the world." ”

Although everyone couldn't understand the last sentence, it can be seen from the income of Daming Bank that so much can be earned by only the business of Nanzhili, and if it covers the entire Daming, it is unimaginable how much income will be made.

"There is gold and silver in the western kingdoms, but they prefer the porcelain and silk produced in our Ming Dynasty, and now the tenants of the land producing grain in the southeast have planted mulberry hemp to make silk, and the grain has to be purchased from Huguang."

"Master Hou, isn't it often said that the lake is ripe, and the world is full," a shopkeeper said with a smile.

Chen Cao nodded noncommittally: "So Ben Hou wants you all to go to the academy to learn more about Taixi's knowledge, although the Xiyi people are not convinced by Wang Hua, but their things are indeed good, and they are of great help to my Ming Dynasty, you have to study more and integrate all their good things into our culture, when the time comes..."

"Hou Ye Gaojian..."

A group of people echoed each other, and at this time, Chen Cao handed over all the information he had written to all the shopkeepers.

"Ben Hou decided to set a new company, the full name is 'Daming Ping An Insurance Group', and the main business is only one ---- insurance business..."

More than a dozen shopkeepers looked at each other, just listening to what Chen Cao said, how did they know what these things were.

"The dart board is often robbed, and the loss of goods is generally paid by the dart board, so the general small dart board does not dare to undertake any big business, Ben Hou said that this insurance group is to protect the dart board or a single cargo;

As long as the dart bureau has purchased temporary insurance for the goods at that time, once the dart is robbed, we can make insurance claims. ”

"What does Master Hou mean is that we will pay for the losses that should have been borne by the dart game?" A shopkeeper reacts quickly.

"That's right," Chen Cao nodded: "That's what it means, what Ben Hou said is just for you to understand what you say next." ”

"Master Hou, what should I do if someone is deliberately robbed? Everybody will know that we make good money. ”

Chen Cao had already thought of this: "You said that Ben Hou knows, so you should listen carefully to the next words;

The insurance pilot is located in Shanghai County, and the business involved in the pilot is only commercial medical insurance;

For example, Zhang San bought a personal accident insurance in my insurance company, bought a value of five taels of silver, and the insurance was worth fifty taels of silver, if he was sick and went to the doctor, all the drug expenses spent, as long as there was a voucher from the local pharmacy, with this voucher can be fully reimbursed, if he died, then he would pay fifty taels directly. ”

"Ten times with?" Shen Zhuangling interjected.

"That's right," Chen Cao asked everyone to carefully look at the content of the second page, and let them listen to themselves while reading: "The price of compensation must be high enough for the people to buy, and the second page of the content about the design of personal accident insurance is written in detail on it, and you can see how to improve and how to implement it;

In addition, it is commercial insurance, although the content involved is complicated, but as long as you have read it carefully, it is indeed very convenient to implement. ”

Liu Yousi finally asked: "Master Hou, the little one wants to confirm again, is the value of the insured amount calculated from ten times the principal he bought?" In the event of death, is it a lump sum payment? ”

Chen Cao nodded: "That's it, in addition, the situation that Ben Hou wants to focus on is the second article on the third page, about commercial value-added insurance, the minimum purchase is ten taels, there is no upper limit, the purchase period must be more than ten years, based on the purchase principal every year, and the same interest as bank deposits, but the interest on the purchase of insurance is higher than that of the bank, you know?"

Moreover, the principal of ten taels must be an integer, at the beginning of the development of Benhou only set up three kinds, namely ten taels, one hundred taels, one thousand taels of three, assuming that ten taels of ten years of purchase, his principal is one hundred taels, eleven years later, he will return the principal of one hundred taels, and the insurance company will give him an additional one hundred taels of interest..."

As soon as these words came out, more than a dozen shopkeepers, including Shen Zhuangling, felt that the big boss of Dingwuhou in front of him must be crazy.

Liu Hesi said carefully: "Master Hou, buy it for ten years in a row, and you can get one hundred taels when you quit after eleven years, if someone has a heart to buy ten thousand taels for ten consecutive years, then don't we want to give him 100,000 taels?" ”

"That's a good question... Ben Hou knows what you think," Chen Cao stood up with a smile and walked back and forth around the long table: "You want to know what we can do with this money?"

Ben Hou told you, this is called the economic effect, also called the market economy, the insurance company took all the money and deposited it in the Daming Bank, and the financial resources of the Daming Bank gradually increased, so that it can promote my Daming Bank to do other trade, and the money obtained, even if it is returned to them twice after ten years, it is like a cow and a hair. ”

"Master Hou, the concubine wants to know, what if those people come to apply for insurance, what if they are deliberately disabled after the insurance takes effect for a month? Or what if they insure the dying? ”

For Shen Zhuangling's answer, Chen Cao felt that it was a trivial problem: "It's their business that he is willing to be injured, who would deliberately get hurt?" Besides, the amount of insurance we gave him is only ten times, he is willing to use it, and I Chen Cao is also willing to give it, as for the dying person, the insurance must be personally present, you don't know if you are in personal spirit?

In addition, the reason why the pilot is in Shanghai County, that is because Ben Hou's current identity is the governor of Songjiang, in charge of Shanghai County affairs, Ben Hou heard that Shanghai County has not yet been sent down by the county order, and in the future, the affairs of Shanghai County will be decided by Ben Hou, and those who want to cheat the insurance must know whether the board in the yamen is hard or not. ”

...

"I've suffered you in the past few years, so let's go back to my house with me, and before I leave Jinling, choose a good day to marry you."

In the Bai Mansion, Bai Magnolia and Chen Cao sat opposite each other at this moment, compared to the previous indifference, at least now Bai Yulan is also a lot relieved.

"Your father's matter is over, your brother is now working in the Shuntian Mansion, and it can be regarded as a good place to go, you are alone here, I don't worry..."

Magnolia always stared at Chen Cao without speaking, since this was the case, Chen Cao decided that the overlord would bow hard, and when he stood up, he gave Zhao Messenger a look, and then closed the door before all the people retreated to the courtyard under the corridor of the lobby and stood still.

"What are you going to do?"

Magnolia frowned: "In broad daylight, I haven't agreed to marry you yet." ”

Chen Cao stepped forward, lowered his head and pressed down like a mountain, and then whispered: "If you don't agree, I, Chen Cao, will send someone to rob you, if you don't agree, I, Chen Cao, will snatch you away and take it with me at any time, if you don't agree..."

"Chen Cao, what are you doing?" Magnolia shouted in horror.

But her resistance was minimal, because her strength was not as great as Chen's forehead.

"Clean up and come home with me..."

.

"Master Hou, this is an archive from Jiangxi that was transferred from the archives."

After handing over the soulless Magnolia to her sister Bai Xinlan, Chen Cao and Zhao Xin went to the study.

Chen Cao picked up the file and looked at it, Zhao Xinbian explained: "The news a few months ago said that Xiao Kungu was locked up and confined for unknown reasons, and it is said that even things such as food have to be transported..."

"How long is this one?"

Chen Cao picked up the envelope and looked at it, then opened it and read: "A month ago? ”

After reading it, Chen Cao put down the envelope, and then stared at Zhao Xin: "You bring a hundred people, let Zhang Fengnian bring a hundred families, and follow me to Longhu Mountain immediately." ”

"Yes..."

.

Nine days later, Chen Cao and his entourage of more than 200 people rode horses to Yingtan Town.

"Back to Master Hou, in the past month, Aunt Xiaokun's diet and daily life have all been done by her alone."

After Zhao Xin came out of the house, he reported the news to Chen Cao.

Chen Cao's heart was a little cold, if his guess was right, it should be related to the last time he took Zhang Ru.

"Get on the horse and go to Longhu Mountain immediately."

Zhang Xianyong personally went down the mountain to greet Chen Cao, and just when he was curious about Chen Cao's sudden arrival, a sentence made him blind for a long time.

"Where is your sister Zhang Ru, I came for her..."

When Chen Cao saw Zhang Ru again, the beautiful little girl who was originally lively and lively was dressed in plain clothes at the moment, and she was living in the thatched hut where the Heavenly Master had thought about it in the back mountain.

"Chen... "