Everyone is in a different perspective, and the feeling of looking at the same thing will be different. The people standing on the top of the mountain look at the people at the foot of the mountain like ants.

The people standing on the edge of the sea looked at the boat in the sea as far away as a leaf floating in the wind and waves, and when they saw the ship nearby, they were as if they had seen a building on the sea.

When Liu Xing lowered his head again to think deeply after a series of insurance fund ideas were finished, Zhao Jinzhu on the side looked at Liu Xing attentively, and secretly said in his heart: A complete set of capital reserves, he is trying to store the merchant's self in the royal bank that has not yet been established for a long time, is this Brother Liu's means to grasp the money bags of the world?

If that's the case, I'm afraid that after my father and brother return to the throne, I can't do anything about him. Because as long as this set of insurance fund mechanism is established, it will be slowly improved.

No matter who becomes emperor in the future, as long as he cannot control the council, as long as he cannot change the rules set by Brother Liu now, then Brother Liu can attack his political enemies with powerful money at any time from the large amount of money in the Royal Bank that will inevitably control his hands.

People can not be moved by power, but how many people in this earthly world are not moved by money. Once the largest part of the world's wealth is in the hands of Brother Liu, it means that there is no one in the world who cannot be bought by him in the future.

Father, brother! I hope you don't really become enemies of Brother Liu in the future, otherwise I really don't want to see the day when you are reinstated and pushed off the dragon chair by the courtiers and the people......

When Zhao Jinzhu began to worry about her father and brother, Lu Mingtao, who was standing next to her, was making another calculation in her heart: after such a huge fund mechanism was established, Taifu Zhisi would definitely use laws and regulations to forcibly implement it to every merchant in the ten provinces in a very short period of time.

Once the system of the fund is launched. That is to say, in the future, the employees in my family's shops will no longer have to worry about getting old, and they can only rely on the welfare money of the imperial court to protect them.

Even if it is a change of dynasty one day in the future. As long as these insurance banks don't go out of business. Those who are employed will always have a stable source of security.

I believe that even if there is a change of dynasty, no one in power will change this kind of good system, which is definitely a good system that can quickly subdue the hearts of all people.

As long as this system continues, then in the future, when an employee is injured and an accident occurs, because I help the employee pay the insignificant insurance money, I can confidently push his future life, old age, sickness and death to the insurance company......

This is the idea of two people in different positions, dealing with the same thing. Liu Xing believes that people who look at this insurance fund from other angles will also have different views depending on their perspective.

But what others think. In the later life, Liu Xing firmly believes that as long as he is determined to implement it, there is no possibility of failure.

In order to ensure that this is better when it is done in the future, another mechanism must be established.

Thinking of this, Liu Xing raised his head again and looked at Lu Mingtao, and said a set of mechanisms.

This mechanism is a very common statutory mechanism in later generations, and that is the provident fund mechanism. It's just that in today's world, it is pure nonsense to talk about a very perfect provident fund policy. Therefore, Liu Xing can only call it a merchant public reserve.

It can't be perfected, but it still has to be established. Liu Xing defined this system in this way: the merchant's public reserve fund refers to the merchant's ability to enhance his own property. A kind of money withdrawn from the profits of merchants in accordance with the law to expand production and operation and prevent accidental losses, shall not be regarded as part of the income or income from the distribution of dividends.

In fact, it is mainly used to make up for the company's losses, expand the company's production and operation, and increase the capital of merchants.

In the merchant public reserve. A housing fund will be set up. The housing public savings system is actually a housing security system, which is a form of monetization of housing allocation.

The housing public savings system will be an important housing social security system in the future, which is mandatory, mutual assistance and guarantee.

Businesses, shops, offensive and defensive businesses, and individual employees must fulfill the obligation to deposit the housing public reserve fund in accordance with the law. The housing public savings fund paid by individual employees and the housing provident fund paid by merchants for them shall be stored in special accounts and shall be owned by individual employees.

There will also be a statutory public reserve, also known as a mandatory public reserve, which refers to the public reserve that must be withdrawn according to the proportion prescribed by law.

The third is to establish an arbitrary public reserve, also known as an arbitrary surplus public reserve, which refers to the public reserve fund that is freely withdrawn from the statutory public reserve fund according to the internal articles of association or shareholders' resolution made by the merchant itself.

The sources of provident fund for merchants are as follows: first, part of the statutory public reserve fund is withdrawn from the after-tax profit every year in proportion; the second is the arbitrary public reserve withdrawn after the shareholders' resolution;

the third is the revaluation and appreciation of assets after several years of operation; Fifth, the donated assets obtained by the merchant from the outside, such as the donated assets obtained from the imperial court, overseas departments and other merchants.

When a merchant distributes the after-tax profit of the current year, it shall withdraw 10% of the profit and include it in the merchant's statutory public reserve. If the cumulative amount of the statutory public reserve fund of the merchant is more than 50% of the company's registered capital, the deposit may not be increased.

If the statutory public reserve fund of the merchant is insufficient to make up for the company's losses in the previous year, it shall first use the profits of the current year to make up for the losses before withdrawing the public reserve fund and the public welfare fund that will be issued in the future.

The public reserve fund of the merchant company is used to make up for the losses of the merchant, expand the production and operation of the merchant, or turn it into an increase in the capital of the merchant. When a merchant with too many sources of shares needs to convert the public reserve into capital by a resolution of the general meeting of shareholders, the new shares will be distributed according to the proportion of the original shares of the shareholders.

However, when the statutory public reserve fund is converted into capital in the future, the reserve fund retained shall not be less than 25% of the registered fund.

In the future, it is necessary for the Council to draw up a set of "Commercial Codes" to include all these provisions, so that the public provident system will become a statutory and immutable mechanism to be enforced......

"Tai, Taifu, do you mean that in the future, at least 10% of the annual surplus in my business must be set aside to be converted into this kind of public reserve, so as to ensure that my business will not immediately close down when there is a shortfall?" When Liu Xing finished saying this, Lu Mingtao asked with a little surprise.

Nodding heavily, Liu Xing said: "Yes, with the law as the criterion, it is clearly stipulated that this kind of public reserve fund will come out." It is not only to protect the interests of the employees in your business, but also to protect the best interests of the shareholders of the company that you are cooperating with and your father himself, so as to avoid some of the dangers of bankruptcy and bankruptcy in the future. ”

"This policy is good, this policy is really good." Lu Mingtao received a definite answer, and immediately laughed and said: "In this way, when my father talks about leaving some money for emergency funds in the next year's turnover may be in short supply, those uncles and uncles will no longer be able to object." (To be continued.) )