Daming: I, Zhu Yue, inherit the magic machine and a hundred refinements at the beginning

Chapter 0077 Yao Guangxiao: His Royal Highness King Yan also wants to learn to apply for insurance? Do you have money?!!

Looking at Zhu Di's annoyed appearance, Yao Guangxiao just shook his head and smiled.

"The benevolent sees the wise and the wise sees the wise, and the monk still suggests that His Highness learn more from the King of Han!"

Yao Guangxiao's words once again made Zhu Di feel like he had suffered a spiritual crit

However, for this monk's brain, Zhu Di is still quite convinced, otherwise he would not have come to him every time he encountered something!

"Is it as evil as you say?"

Zhu Di asked suspiciously.

"Then the monk will help you analyze and analyze, so that His Highness can be convinced!"

Yao Guangxiao smiled slightly, and then began to analyze what was going on with this personal accident.

You'll lose a little money upfront, that's for sure!

Because most of the people who were initially willing to apply for insurance were high-risk professionals!

As a high-risk occupational group, the income is naturally a little higher than that of ordinary people, and they can also afford this premium!

But if they really have an accident and Hanwang can pay so much money in time as promised, then the credibility of the insurance bank will slowly increase!

To do this kind of business, the most important thing is to have a high reputation!

When your credit reaches a certain level, because more and more people are paid for this personal accident insurance, there will be no shortage of ordinary people to insure!

"Your Highness can imagine that if it really reaches that level, is the threshold of this insurance bank going to be broken by the people?"

Yao Guangxiao said this, and asked Zhu Di again.

"It seems to be really like that!"

"In other words, Lao Jiu is spending money to buy credibility!"

"It's only a few dozen dollars a month, and it's a few hundred taels to lose!" Even if more and more people are willing to insure, how much money can they make, is it so troublesome? "

When Yao Guangxiao heard this, the corners of his mouth couldn't help twitching!

It seems that this Wang Ye's arithmetic is not very good! Such a simple account can't be calculated!

"What are your eyes? If something is said, is King Ben wrong again? "

Looking at Yao Guangxiao's eyes that seemed to be looking at a fool, Zhu Di was angry again!

"First of all, even if it is a high-risk occupation, if there is an accident, it is also a probability! Not all people in high-risk occupations have to die in accidents, but the probability is just a little higher than that of ordinary people! "

"The monk will calculate an account for you, maybe you think that the premium of tens of dollars is too small, but what if more and more people are insured?"

"Hundreds at first, thousands, tens of thousands, hundreds of thousands"

"Even higher, millions!"

"How many ordinary people are there in the entire northwest?"

"Did His Highness calculate this account?"

Yao Guangxiao stared at Zhu Di with a smile and asked again.

I saw that Zhu Di's eyes gradually widened! A million people?

Even if each person is thirty taels of silver every month, that is 30,000 taels of silver!

"Then do you calculate, how many people can be killed or injured due to accidents in a month?"

Yao Guangxiao asked again.

"Those who are normal births, old age, illness and death are not counted, because there are really not many accidental deaths!"

"At least it's a tiny percentage!"

Seeing Zhu Di's appearance, Yao Guangxiao knew that he must have figured it out.

As for the casualties on the battlefield, they will not be counted as accidental casualties, so this part can be directly excluded!

"So what if it's a natural disaster? Like this time the Yellow River flood, tens of thousands of people died! "

"If these people all buy Lao Jiu's insurance, it will be millions or even tens of millions of taels of compensation!"

Zhu Di continued to defend without dying.

"So have you considered the issue of time?"

Yao Guangxiao asked again.

"What do you mean?"

Zhu Di was stunned again!

"Does the Yellow River flood every month? So many people die every month? "

Yao Guangxiao reminded.

Zhu Di: "..."

How do you feel that Ben Wang's brain is really not enough?

Lao Jiu's premium of tens of letters, that is all paid monthly!

For example, a death is a natural disaster of tens of thousands of people, how many years can it happen once? And Lao Jiu's business is only in the Great Northwest, what if it is put in the entire Daming?

According to Yao Guangxiao's logic to continue to calculate, Zhu Di did not dare to continue to think!

"Insuring is equivalent to buying peace of mind for yourself, and it is only a matter of time before Hanwang can do this insurance bank, as long as he has enough capital, it is not a problem to spread all over the country!"

"At that time... Gee! "

When Yao Guangxiao said this, he couldn't help but be shocked.

The moving look on Zhu Di's face could no longer be hidden!

I have to say that Yao Guangxiao's vision is absolutely high, and the analysis is also very good, if Zhu Li hears it, it is estimated that he will have to admire this old bald donkey, and he is really smart!

"How about Ben Wang also follow the trend and become an insurance bank?"

Zhu Di's heart suddenly moved, as if he saw unlimited business opportunities, as if a large number of gold mountains and silver mountains were waving towards him!

"Be a hairy? Do you have money? "

Yao Guangxiao struck unceremoniously.

Zhu Di: "..."

Good fellow, he really can't refute this! He has a money?

If he had money, he wouldn't cry poverty with the imperial court every day, and even pulled down his face to borrow money from Lao Jiu!

It's really more popular than the dead!

Yao Guangxiao also admired Han King Zhu Li at this moment!

You must know that the current King of Han not only controls Hanzhong, but also pockets Xi'an Prefecture by the way!

As soon as this project comes out, the first to be implemented will definitely be Hanzhong and Xi'an, and it will immediately radiate to the entire northwest region, and even begin to spread towards the entire Ming Dynasty!

As long as King Han is given enough time, everything he just said will definitely not be a problem!

Doesn't it mean that King Zhu Li of Han is addicted to cultivation alchemy?

Which rumor created by Wang Ba Lamb, stand up and see if he can't kill him! Just this business mind, can a thousand years come out of one?

...... Hanzhong Province.

In the study of King Han's mansion, Zhu Li was looking at an account that Butler Yuan had just submitted.

"Your Highness, these are the amounts invested by those Huaixi lords!"

Butler Yuan was so happy that he couldn't keep his mouth shut.

He also didn't expect that those Huaixi Xungui would actually send so much money! The few families have 100,000 taels, and the more families have hundreds of thousands of taels!

The dozen Huaixi nobles led by Blue Jade made up two million taels of silver!

These funds were specially invested by them when they heard that King Zhu Li of Han was going to build roads!

"Kind of interesting!"

"Blue Jade, this gang of bosses, this can be regarded as a crooked beating!"

Zhu Li looked at the account in his hand and couldn't help but laugh.

He naturally knew why Lan Yu and them sent so much money over, because he felt that his funds for road construction were tight, and it was estimated that it was caused by the last low-priced grain sale!

This is to send charcoal in the snow, let him write down this favor!

"Your Highness, do you really want to count them?"

Butler Yuan asked with a smile.

"Count it, it should be a return for the peach, give them five percent of the dry shares of this road, and the future income will be settled according to the annual settlement!"

Zhu Li nodded.

Blue Jade They are so good, he naturally has to show his sincerity.

He also heard that Blue Jade and them were in the court recently, but they didn't help themselves to speak!

"Subordinates understand, this is going to be done!"

Steward Yuan smiled and nodded, for Lan Yu, it was really a bit crooked.

"By the way, how is the insurance bank in Xi'an Prefecture prepared?"

Zhu Li asked at this time.

"It's almost renovated, and it can officially open in five days at most!"

Butler Yuan hurriedly reported.

"Hurry up, several important towns in the northwest can open insurance banks, and then gradually drive to various counties!"

"Around Sichuan, Hubei, Henan can also test the water!"

Zhu Li nodded in satisfaction.

He is ready to directly carry out this insurance business to Yingtianfu within a year, and even in the entire large city of Daming, there will be his insurance bank!

At this moment, Geng Qing hurriedly came, his face looking a little anxious

"It's not good Your Highness, there are many ordinary people who have different degrees of diarrhea, vomiting leaves and coma symptoms after eating the grain stored at home!"

Geng Qing's words immediately made Zhu Li stand up!

"What's going on? Did you find out the problem? "

"Take King Ben to see it!"

Immediately afterwards, the group hurriedly left the palace and rushed towards the homes of the common people who had an accident!

Soon, after checking the grain in the homes of these people with food poisoning, Zhu Li understood what was going on!

These who have symptoms of food poisoning, without exception, are all eating sprouted potatoes!

You must know that after the potatoes sprout, toxins will be produced, and the mild poisoning may be diarrhea, vomiting, heavier coma, and even excessive toxin intake, and the possibility of death exists!

"It seems that in the future, we will have to popularize the things that sprouted potatoes cannot eat!"

"This time, the people with food poisoning will do their best to treat it, and all the medical expenses will be calculated to the head of the Han King Mansion!"

"In addition, the notice publicizes that the storage time of potatoes should not be too long, if you want to extend the shelf life of potatoes, you can put potatoes into breathable net bags, sacks, straw bags or baskets or boxes lined with licorice, and store them in a cool and ventilated place with backlighting at home!"

"This usually stores for about five months, which should be fine!"

"Once you find that the potatoes have sprouted, don't eat them again! Sprouted potatoes can only be used as seeds! "

"In addition, you can also dig out the germinated part directly, and the remaining part can still continue to eat!"

"Don't eat the seeds, the germinated part won't have these problems!"

After Zhu Li understood what was going on, he immediately ordered Geng Qing and the others directly.

When Geng Qing and the others heard this, they naturally hurriedly agreed and immediately complied.

Popularizing this knowledge is also a must in Zhu Li's opinion!

After all, in the northwest in the future, potatoes will also be used as one of the staple foods, and if relevant knowledge is not popularized, it will definitely occur on a large scale!

Nowadays, more and more grain is grown in Hanzhong Province!

Potatoes, corn, rice, wheat, cassava and more, will only increase!

Through this incident, Zhu Li also realized that promoting the cultivation of these crops is one thing, but there are more issues to consider!

It seems that it is also necessary to get some common sense in agriculture, compile a book, and when the time comes, the government will send someone to publicize this group of people, preferably one copy!

And you have to bring drawings, after all, most of the people are still illiterate, and they can only rely on others to read to them, which is too inconvenient!

Draw some easy-to-understand pictures, and ordinary people can better understand it!...

Ying Tianfu... Liangguo Gong's mansion.

A group of Huaixi Xungui gathered here again to discuss what kind of insurance bank the Han King Zhu Li had done!

Like most people, when they heard that this personal accident insurance only needs to pay dozens of dollars every month, and once something happens, they can get hundreds of taels of compensation, Lan Yu and others are also dumbfounded!

Their first reaction was also a loss-making transaction! What does this Han King Zhu Li think?

And for the blue jade, they can't figure it out even more! Doesn't it mean that King Zhu Li of Han is short of funds for road construction?

For that matter, they even pooled 2.3 million taels of silver to send to the Han King Mansion!

Who would have thought that such news would come from turning around! King Han, this is too much money and no place to spend?

For a while, this group of Huaixi Xungui was collectively confused, so they all gathered around Lan Yu and began to discuss!

"Han King Zhu Li is such a shrewd person, look at those industries in his Hanzhong Mansion, which one is not profitable?"

"We also feel that this matter is not simple, and King Zhu Li of Han should not be able to make a loss-making transaction!"

"Then who of you can see the strangeness in it? How is this thing going to make money? "

A group of old men and rough people are even more confused about what insurance is such a new thing, and can only speculate vigorously.

"Uncle, what do you think?"

"Is this insurance bank a head? If we can make money, can we also get one? "

Chang Sheng stared at Lan Yu at this time and asked.

"We don't know! However, since King Han dares to do this, it must be reasonable, and the loss should not be enough, but I don't know how much I can earn! "

Blue Jade Heart said where do I know where to go?

After holding it for a long time, he only held out such a sentence.

When a group of people heard this, they couldn't help but look at each other.

"According to King Han's practice, even if there is really money to be earned, I am afraid that the money advanced in it is also a lot!" I feel that this transaction is not something that anyone can do if they want to! "

Feng Sheng couldn't help but guess at this time.

"How about asking King Han directly? If it's really capable, let's get one here in Yingtianfu!" "

Someone immediately proposed.

"I want to fart and eat!"

"What King Han came up with, you are also worried about? Don't you mean to rob people? "

When Lan Yu heard this, her eyes immediately widened!

Although he is a big old man and is not proficient in this aspect of doing business, he also knows that with the brain of King Zhu Li of Han, if he wants to rob business with him, people can directly play you to death and make you lose your blood!

What he has to do now is to make some money after Zhu Li's ass, and Zhu Que eats meat, so that they can drink soup with them!

Otherwise, it will really annoy Zhu Li, don't talk about business at that time, I'm afraid there will be a bunch of trouble!

"In fact, whether this business makes money or not, it mainly depends on the attitude of the old man"

Chang Sheng suddenly spoke at this time.

Everyone was stunned when they heard this.

"That's right, the old man must already know about this matter!"

Lan Yu nodded thoughtfully!

Who is the old man?

Jinyiwei's eyes and ears are all over the world, what they all know, how can the old man not know?

More importantly, even if someone dares to hit the idea of an insurance bank, that person must be an old man!

Even if you want to partner with King Han, that person must be an old man, and I am afraid that it will not be their turn!

For example, the previous private salt business, the northwest side is the Han king's, the Jiangnan side is the old man's market, who dares to rob the old man?

The father and son of the old Zhu family can be regarded as monopolizing the most profitable business in the world!

But who makes people fist?

If they are a gang, they can only find a way to buy some goods from the King of Han, and then pour to the small country of Fanbang to exchange some money!

Really compared to profits, this little money they earned is not a fraction of the money on the side of King Han and the old man!

This is the strength gap!

I have to say that although Lan Yu is a big old man and has a domineering personality, he is still self-aware on this kind of issue!

No matter how arrogant he was, he didn't think that he could really fight with Zhu Yuanzhang!