The household department should be serious in doing things, which is what Liu Xing likes.

However, they are serious about doing things and doing things in a down-to-earth manner, but they are destined to make a mess of the two difficult things after the new returnees and the criminals.

Therefore, just after Yuan Tingzhi finished talking about the current situation in the Wolf Killing Valley, Liu Xing's mind suddenly burst out of the business that would be very popular in a thousand years and solve the personal and property of the whole people, medical security and other affairs.

Back then, when he was in college, Liu Xing worked and was self-sufficient, and he once joined that industry as a part-time job. was once scolded for doing that business, and the whole family was shameless.

That business is called insurance.

But what Liu Xing wanted to do, Yuan Tingzhi didn't know, and Zhao Ding didn't know.

Since he didn't know, Zhao Ding naturally could only ask: "Taifu, will you hand over the affairs handled by the official office to a few big firms?" What kind of business names are they? Can you do better than we wait? ”

Hearing this, Liu Xing smiled faintly and said, "It may not be better than you, but it will definitely not be very difficult." These businesses can only be operated by your household department, but the people who do the work are no longer officials, but employees. These firms will have a unified name, which will be called insurance firms. ”

"Insurance?"

Hearing such a fresh word, Zhao Ding asked again in confusion: "Insurance, what is covered?" And how to protect it? You don't want me to allocate unlimited funds from the household department and from the state treasury, and in the name of the official supervision and business office, to do the business of supporting the business with the government, to relieve the pressure, and to help the people with false hands, right? ”

As soon as Zhao Ding said this, Liu Xing smiled and said brightly: "Haha, you can rest assured!" Since I said that I want to be a business-oriented, and the household department is just a supervisor. You will never be allowed to take money from the treasury or from the household department to support the employees of the firm. And not to let those businesses become buffers. It's not just about letting them do what you're doing. ”

This statement fell. Liu Xing immediately suppressed his smile, and Zhengse told Zhao Ding that he had planned and explained the specific plan of the insurance company he had thought of: First of all, Liu Xing decided to set up a property insurance company, so that people who have houses and land, and who have valuables at home will pay insurance premiums on an annual basis. In the event of loss of property, the property insurance company will compensate according to the amount insured.

In this way, it can not only reduce the property security of those who have houses, land, and valuables in the event of another war in the future, but also reduce the possibility of new refugees forming a refugee flow in the future. This is a basic insurance. Liu Xing clearly told Zhao Ding that he was using it for profit.

At the same time, property insurance also provides an additional unemployment insurance. In today's world, population mobility is still relatively large. For example, there are a large number of refugees in Hebei who are fleeing from outside the border. On the side of the Southern Dynasties, there were also many people who sneaked through the defense lines of Liu Yu and others and fled to the boundaries of the Northern Dynasties.

When those people first arrived on the ground of the Northern Dynasty, it would definitely be difficult for you to have a field and something to do for a while, and you must not let those compatriots go hungry.

Well, use this unemployment insurance to protect them. As long as they paid a very small part, the local yamen who received the displaced people in various localities paid the lion's share. Let those people receive at least some Weibo every year, but enough to make ends meet.

In this matter, Liu Xing told Zhao Ding very clearly and seriously that it was a matter for the benefit of the people. It is a welfare project, and it is not allowed to set too many obstacles, and the amount of insurance, especially the individual contribution part, must not be set too high.

In addition to property insurance, the second thing Liu Xing is sure to be established is life insurance. The name of life insurance seems to be to insure human life, but in fact, the rules planned by Liu Xing are mainly aimed at medical protection, personal accidents and other related categories.

In today's Northern Dynasties, there are many government-run medical houses and medical centers in various towns and villages. It can be said that in just a few months, Liu Xing, a person who was born as a medical officer, first let the people of the Northern Dynasty see the beautiful scene of being sick and being able to seek medical treatment everywhere.

With this comprehensive and complete medical network, Liu Xing is much more relaxed in determining the establishment of life insurance.

In this matter, Liu Xing determined two main phalanxes for Zhao Ding: first, the whole people are insured, and money and grain can be used as insurance. The amount is as small as possible, even if it is a shift or a night incense, only a small part of its income can be enjoyed by taking out a small part of its income every year to enjoy comprehensive medical insurance.

Second, government subsidies. For those who work in the government, supervision, business, office, and yamen, the household department directly allocates most of their medical insurance, and their individual contributions do not exceed two or three percent. Let those who work in the official supervision and commercial firms and in the yamen enjoy a certain superiority, so as to stimulate them to work harder.

Since they want to use medical insurance to stimulate the enthusiasm of those who work in the business offices run by the government and the yamen, no one dares to guarantee that there will be no accidents when doing things.

For example, in several coal mines in Shanxi, in the past few months since Liu Xing dispatched troops to take over Shanxi, there have been no at least five mining disasters, causing hundreds of casualties among miners.

Today, those people can only receive monthly disability benefits from the local government, and most of them can only support a family of five.

This is not enough, at least compared with what Liu Xing wants to make everyone well fed and clothed first, and finally everyone has fine clothes and food, the gap is too big.

So what to do? There is only one way: to set up work-related injury insurance through insurance banks, and to let those businesses, whether government-supervised or privately run, bear most of the insurance premiums for the people they employ, and those who are employed bear no more than two or three percent of the insurance premiums.

In the event of an injury to an employee, the life insurance bank is responsible for paying the benefits on a monthly basis according to the level of disability to ensure that the person can still enjoy many benefits such as income protection and medical expenses before the disability is disabled.

In this matter, Liu Xing also set two basic principles for Zhao Ding: First, let the business and the local yamen pay to ensure that the lives of the people who work for them will not be affected after they are disabled due to work, but will be improved.

Second, the financial burden of any person who works for the yamen and the firm cannot be increased, and the firm and the yamen must bear the vast majority of the insurance premium.

After the basic principles were determined, Liu Xing suddenly thought of the fact that there would be work-related deaths, and immediately added one item: one life is 1,000 dragon yuan, high income and heavy physical strength are increased by 20%, and one life is 1,200 dragon yuan.

As long as there is a dead person, the insurance bank will pay compensation based on this base. At the same time, the lump sum compensation for all the wages due to the deceased up to the age of 55 will be paid by the firm and yamen where he is employed.

That is to say, once someone dies, in addition to the normal work-related casualties, the insurance company pays 1,200 to 1,200 yuan, and his family can also receive a one-time salary from the deceased for many years.

In order to ensure the interests of the workers, Liu Xing also clearly told Zhao Ding that this was to curb the disguised and extremely harsh oppression and use of laborers by the principals of the firms. (To be continued......)