Cosma Empire

Tyler glanced at Bellito, the smoky conference room was filled with the smell of smoke, "Increase the margin of the insurance industry to ensure that there is enough money to pay the insured when necessary, I must let you know, I I don't mean to embarrass any of you, this is an imperative prerequisite!", Taylor is much stronger than Phyllis, he knows better how to establish an industry standard and access system, and he also knows the consequences of doing so. Benefits come.

He is more like a standard professional manager. He only thinks about work. He climbs up from the bottom bit by bit with his own ability and advantages. For him, every job is a battle. If he fails, he may Everything will be lost, which makes him have to go all out. Shareholders like Phyllis are not the same kind of people at all.

Bellito also nodded. Taylor gave him a very strong hint just now, and he knew that he should stand up at this time. His perception of Taylor is polarized, he likes Taylor's professionalism at work, but he doesn't like his strong aggressiveness. The former can quickly put everything on the right track here, allowing the insurance business to be quickly established and put into operation, while the latter means that his opponent has changed from a fool who can't even hold a sword to a master with a sword .

No one likes a level that is too difficult, except for masochists, and Bellito is clearly not one.

"I very much agree with Mr. Taylor's opinion. Before that, Mr. Roel's fraudulent insurance behavior has reminded us that if there is no strong deposit, it is very likely that the insurance company will be defrauded by someone or an organization's fraudulent behavior. On the verge of bankruptcy. Gentlemen, the purpose of our sitting here to discuss these things is not to find a way to drive ourselves into bankruptcy, but to make more money, so we must be prepared to resist risks."

"Everyone has proven themselves in business. I think there are some words that I don't need to repeat cumbersomely. Everyone should understand very well. Risks and opportunities coexist. The greater the benefits, the greater the risks we take!"

"As an emerging industry, if a company is forced to go bankrupt because it cannot pay the insurance claims of the insured, it will bring huge risks and negative impacts to the entire industry. People will directly associate the insurance business with fraud. Together. The purpose of Mr. Taylor’s proposal to increase the margin is not to embarrass you, not to let you leave, but to protect our mutual interests. Let’s change our thinking. If you are still in the insurance business, but we I am afraid that you are also extremely unhappy that you have been implicated in bankruptcy for this reason."

Taylor nodded, and took over the topic from Bellito, "Yes, what Mr. Bellito said is very correct. Only when the entire industry has sufficient anti-risk capabilities can it bring us a stable and sustainable high-speed market. A huge market for development. And I think the security deposit I proposed is very reasonable. We can learn from the data of Mr. Memnon’s management of the three insurance policies that at least a security deposit of no less than 30% of the insured amount is required to survive early stage."

The two people who met for the first time cooperated very well. They sang and said that they wanted to expel the "bad money" from the stage as consideration for these people. Of course, it is undeniable that what they said is also part of the truth. Judging from the current data of the three insurance policies left by Memnon, 10 million is enough to support the normal operation of the insurance company's business, and they even have more ways to continue operating with this margin reduced by half. insurance business.

But the problem is that it is impossible for everything to be carried out according to people's best ideas. What if there is another mining disaster? Now those who go to the mine have bought insurance. A mine accident may affect 300 to 500 people, and they will have to spend several million at a time to settle claims. Besides, what if there is a natural disaster or something? For example, an earthquake, once an earthquake occurs, there will definitely not be only one or two mining areas in the west,

Three to five, maybe a dozen or even dozens, how can we settle the claim if there is not enough margin?

In addition, there are many unforeseen but definitely possible things that require the insurance company to have enough capital to fight against disasters. Taylor's request to increase the margin is not only for himself, but also for the insured.

After a series of words, several other people in the conference room fell into silence. If they really could come up with a deposit of 50 million yuan, they would not sit here. There are various real industries in the south that are more suitable for them and have a bright future that are worth investing in. The reason why it competed with the two major banks and Doolin to snap up those contracts was, after all, a speculative behavior. Now their speculation is half the success, but the other half is not so easy to mention.

"I have an idea here, I can offer it to you for consideration!" After waiting for about three to five minutes, when no one spoke, Taylor broke the silence in the conference room with a smile, "Two ideas, the first idea is The Imperial Central Bank purchases the existing contracts in your hands through cash. We can discuss the price in detail, and we will operate with the greatest sincerity. Another idea is to replace the contracts in your hands with our established Shining Star The shares of the Imperial Insurance Company, so that your things are still in your hands, but you don't need to worry about the 50 million deposit."

"Please trust us, our sincerity is very strong!"

Bellito frowned. He and Taylor had never met before, but he knew Taylor. Taylor's reputation within the Reichsbank was not very good. To say that he is ruthless and unreasonable enough to make trouble is a very mild statement. His rise has something to do with the last time the central bank reorganized and cleared up its internal resources. He caused many people to lose their jobs and leave in disgrace. The Imperial Central Bank has worked for more than 30 years, and he was about to retire in a year or two to get a pension, and he also found some reasons to kick him out.

He is a cold-blooded executioner, a butcher, who cruelly deprived many people of hope. But everything has both positive and negative sides. The central bank’s board of directors likes Taylor’s ruthlessness very much. He saved the central bank a lot of money and made some complicated things simple. After being kicked out, he was unexpectedly recruited by the board of directors as a partner. Even if he was the worst one, he was still a partner.

This is a ruthless man.

Before this meeting, Taylor and Perito had a phone call. Taylor took the initiative to call Perito and said some things to be said at this meeting. The two sides communicated first. Most of the things were done according to what the two of them said when they ventilated before, but only the last item was a little different.

What Taylor said at the time was to find a way to force these retail investors to unite to form a company, and then turn multiple parties into three parties, and then the three parties will carry out cross-shareholding according to the company's margin and market value. Nanshang Bank and the Imperial Bank of China obviously have a thicker board, and they can get more shares of the third company with minimal effort. The two of them are cooperating with each other to achieve the goal of directly controlling the third company. In this way, the entire insurance industry is equivalent to only their two companies, and a puppet front company.

This idea is very interesting and highly executable. Bellito gave Taylor an affirmative answer after careful consideration. But I didn't expect that Taylor sitting at the conference table would actually be a bitch, bypassing him and directly trying to swallow these people into his stomach!

Bellito can fully guess the minds of these people, as Taylor said, they have not lost anything at all, but instead gained a more stable backer and a bigger market.

It may be very free to be a small factory director with a market value of 100,000 yuan, but everyone is more willing to be a small shareholder of a company with a market value of 10 million yuan, even if it is only 1% of the shares. Even if it was an empathy, Bellito himself was a little tempted. Anyway, these contracts are the result of their speculation. They only paid money, and they got a return countless times beyond the money. They will definitely be satisfied.

But things must not let it go on like this. Just when the speculators began to show hesitation and thought, Taylor lowered his head and straightened his hair, and when the corners of his mouth were slightly raised, Perito faced Taylor's face from behind. There was a punch in the back.

"Gentlemen, in fact, I have another way for you to choose." Perito immediately felt Taylor's eyes staring at him after speaking. He smiled and nodded, and then said, "Our Southern Commercial Bank I can provide you with a loan of 50 million yuan, one year interest-free, one year low interest, and the annual interest rate will not exceed 15% after two years. If you cannot repay the loan by then, you can use The insurance company pays back at a discount."

"Gentlemen, we have the same sincerity, and for you, this has an advantage."

Bellito noticed that Taylor's gaze was still focused on him, he smiled and met Taylor's gaze without fear, the two looked at each other for a while and then moved away, seeming to maintain a gentleman's demeanor on the surface, In fact, the other party has been sprayed with blood in his heart.

Taylor knew that he underestimated Perito, and underestimated his courage and courage. As a partner of the largest central bank in the empire, even he dared not say that he would lend these people 50 million yuan, but Perito dared. Not only did he dare to speak out, which bankrupted Taylor's little plan. Even if he offered more favorable conditions than Perito at this time, these people would not choose him, because just now, just a few minutes ago, he planned to swallow the dregs of these people with their food None left. Now no matter how many times the conditions he offers are more favorable than those offered by Perito, these people who "escape from danger" will not choose him.

Sure enough, after ten minutes, these people made a decision...

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