Cosma Empire

Southern Commercial Bank's site is in the south, and it also has a branch in the imperial capital that is second only to the head office in power. Bellito is also in the imperial capital at this time, and it is in this branch.

In the past, many people were afraid of the Three Guarantees Policy, a policy that would obviously lose money, ignoring the actual benefits of making money from the insurance business. Well-known economists and financial experts, including some very famous professors in academia, have begun to participate in the analysis and summary of insurance business. They have also built many mathematical and economic models to verify the results of their analysis.

The results are gratifying. It seems that all the students participating in tuition insurance are likely to go to college. For this reason, they have collected insurance fees of less than two hundred yuan for many years, but they have to pay when these insured people go to college. A tuition fee of several thousand yuan, purely from the figures, this is obviously a very uneconomical business, indicating a huge loss. In the same way, for other insurance businesses, such as medical and accident insurance, the insured's annual expenditure of 20 to 30 yuan is not too much, but once they enter the hospital, it is a huge compensation.

It ranges from a few hundred yuan to a few thousand yuan, which is why many people were not optimistic about the three guarantees policy and the insurance industry at that time, because the uncontrollable risks were too great, and a big accident could make a powerful company Become a thing of the past overnight.

According to the calculation of mathematicians, this is indeed very dangerous, but if these numbers are brought into the overall economic environment, it seems not so scary.

Twenty years ago, a gentleman had a savings of ten yuan, which was enough for him to buy a house in a slightly backward city, but he saved the money in the bank and prepared it for his son or grandson when he grew up. To buy a house.

Twenty years later, this money has become 40 yuan after eating interest in the bank, which has quadrupled and doubled every five years on average. But now forty yuan is enough to live for a family for a month, not to mention buying a house.

why?

Under the influence of commodity circulation and the general economic environment, the speed of currency depreciation will continue to reduce the actual value of the currency face value at a very stable rate, until a ten-dollar bill is equivalent to the past one dollar after a period of time , even worse.

But there are some things that will not change with the devaluation of the currency, and that is the value of the commodity itself. It only cost two cents to buy a loaf of bread ten years ago, but it costs twenty cents to buy a loaf of bread ten years later. The value of bread has not changed, but the value of money has changed. When applied to the economic model, if the current money is used to buy something that can "preserve value", it will get more benefits on "paper money" after many years.

If this alone cannot bring any benefits beyond people's expectations for the insurance business, so the insurance companies, or the economic think tanks in the two major banks now, after many days and nights, finally found the key The key, the key to open the door to wealth - agreement.

From the first second when the insured person pays the insurance premium, the agreement comes into effect. In this agreement, the insurance company will use the content that seems very affordable in the "now eyes" to make the insured person think that the insurance he bought is It's worth it, as long as you buy it, you will make a lot of money. After all, the agreement says in black and white that once any of the conditions in the policy happen, they will compensate you from fifty yuan to five thousand yuan in compensation.

But they calculated that from the first installment premium to the last installment payment, they may only need to pay less than fifty yuan in premiums, but they got a return of at most one hundred times, which is simply a huge profit!

But if you look at this policy ten years or more later, even if the insured has an accident that needs to be settled in the policy, or triggers any compensation agreement, they will find that in their opinion they are The insurance that has made a lot of money has become tasteless, even if they got the highest standard compensation of 5,000 yuan in the agreement,

Maybe the five thousand yuan at this time might not even be able to afford a coffin lid!

So did the insurance company make money?

Of course they made it. Immediately after receiving the premium, they directly exchanged the currency representing purchasing power, that is, currency, into actual commodities, that is, cashing in purchasing power. This behavior can be regarded as a kind of investment. Except for those that fail, these investments will not only not depreciate but will continue to appreciate in value, and they will be polarized with depreciating currencies. Ten years later, the purchasing power of the same currency has been severely reduced due to depreciation and inflation, but they have cashed in their purchasing power ten years ago. Their profits are higher than their losses, and they outperform hippie love.

When they need to pay the insurance premiums that need to be settled, what they pay the insured is not the purchasing power realized in the year, but the currency that has been severely depreciated. This money was equal to one hundred times the premium in the past, but now, they It may be worth a premium, or even worse.

There is also the cashing out of the purchasing power in the second year, and the cashing out of the purchases in the third year... So the conclusions drawn by the two major banks are that the insurance company will definitely make money, and it will still make a lot of money, much more than the banks make!

Therefore, the two banks attach great importance to the insurance business. Perito, a bank shareholder who actively participated in the whole process and even developed the insurance business, was sent by them to the imperial capital to continue to close the door of this diamond mine with Taylor. Don't let someone else take money that belongs to them.

After the approval from the Chamber of Commerce came down, not only the Imperial Bank had a copy, but Perito also had a copy. After reading all the approval documents, he breathed a sigh of relief, and the matter was considered settled. Although there were many accidents in the process, for example, Du Lin snapped up those insurance policies, for example, local rich natives in the west also participated in the snap-up of insurance policies, for example, even the Imperial Central Bank participated in this commercial behavior of dividing up the victory cake, but In the end he still won—in part.

This has already made him very satisfied. Snatching food from the imperial central bank has greatly increased his reputation in the Southern Commercial Bank. Many people think this is a very refreshing thing. Now they also know that before Bellito got the news, the Imperial Central Bank had actually reached a series of deals with the cabinet, and they were going to the west to prepare for the big trouble left by Memnon. They were the "third party". This is a great victory.

Now that the approval document has been issued, the process still needs to be followed. The first thing is to determine the organization and member list of the self-discipline committee, and then the United Chamber of Commerce will announce this fact to all walks of life, and then you can talk to Du Lin about it. When the insurance policy in his hand was repurchased, they were not worried at all that Du Lin would not nod, because he did not have the standards to enter the insurance industry. Even if he has it, under the interference of the Insurance Industry Self-Regulatory Committee, his standards are not enough.

For this reason, the two banks held the inaugural meeting of the Insurance Industry Self-Discipline Committee on the third floor of the Peace Hotel, a hotel with extremely high political and commercial significance. In addition to Bellito, Taylor and the seven retail investors, there were also some "enthusiasts" from the community participating, such as people from Nanshang Bank and people from the Imperial Bank of China.

It is only natural that such an important meeting should be held at a high standard. The preparatory team of the committee not only took over the entire three floors, but also invited nearly a hundred journalists and newspapers, as well as some real "enthusiasts" from all walks of life to join in the show.

"The meeting will be held in fifteen minutes. See if there is anything missing." Taylor stood on the rostrum of the conference hall, looked at the rows of seats and name cards below, and asked.

Bellito was standing beside him, he shook his head, smiled and extended his hand to Taylor, "I think it's perfect, congratulations, Mr. Taylor, I heard that the Central Bank Council nominated you to be an insurance company The first executive director?"

The corner of Taylor's mouth was raised slightly, which scratched his itch. He didn't expect that the council would give him such a big stage and power. This was indeed the happiest time he had in the past few days, and he wished everyone could come Just ask once.

He smiled modestly and nodded, "In the future, I will need your cooperation, Mr. Perito."

Perito also smiled and said a few nice words, cooperation?

It is impossible to cooperate, and it is impossible to cooperate in this life. Nanshang Bank and the Imperial Central Bank will always be two hostile camps. It may be more pleasant to say that they are fighting.

At the same time, Dooling stood in front of the first villa on the First Avenue of the Empire, smiling and saying goodbye to Magus's wife, holding a small gift box full of pancakes in his hand. Although Muggs never said that the pancakes were not tasty, the lady who often found those “dead bodies” of pancakes in the trash had long known that Muggs was not interested in pancakes. Women, especially women like her, are actually not suitable for doing anything, because no matter what she does, people will think that this may be a signal released by Magus. She can only stay at home quietly, even socializing. must be reduced.

Now her only pleasure is cooking, making some small snacks for relatives or visitors to taste. She likes this young man Du Lin who likes to eat her own pancakes very much. This is like gaining someone else in her career. sure.

After Du Lin's visit this time, he also offered to take some pancakes to leave, which made Maggs' wife very happy, and she personally sent him out.

"Madam, please stop..." Du Lin, who was standing outside the yard, politely declined the idea of ​​Maggs' wife to send him off for a while, thanked him again and again, and left voluntarily. Walking out of First Avenue, he casually threw the gift box into the trash can, and then got into the long-awaited car, "Go to the Peace Hotel!"

When someone reported this matter to Magus, Magus laughed and scolded a bastard and didn't say anything. He knew very well that Du Lin's purpose of doing this was pure, to make his wife happy, which happened to be what he wanted to do, so why did he punish Du Lin? Because Durin put a smile on his wife's face?

He kicked the trash can under his feet, and the corpses of the dead pancakes were hidden in the darkness.

The genius remembers the address of this site in a second: Mobile version reading URL: