Liu Xing was able to make these comprehensive and meticulous plans, and when Liu Xing paused for the second time, Zhao Jinzhu couldn't help but secretly said in his heart: Knowing the people's feelings wins the hearts of the people, and those who win the hearts of the people win the world. As soon as Brother Liu's series of new orders came out, I am afraid that the hearts of the people in the world will be more due to him.

For thousands of years, this world has looked like there is a strong man ruling the country. It seems that when those strong people turn the clouds and rain, in fact, it is the people's hearts that really dominate all this.

It seems that I don't need to worry more about Brother Liu, but I should really worry more about my father and brother......

"Tai, Taifu, your new set of policies comes out, it seems that the imperial court will be able to allocate a large amount of money and grain to ensure that this policy passes, this seems, seems to be ......" Zhao Jinzhu thought secretly, but Lu Mingtao re-shifted the problem and remembered the source of funds.

Hearing his question, Liu Xing smiled faintly: "Should you remember that I decided to establish an agricultural development support association before?" By the time IFAD was finalized, I was in fact already thinking of a whole new form of financing, management and use of funds. Just now, I have made a preliminary thought, I said you should remember the preparation and rules of my insurance fund! ”

Before the words fell, Liu Xing immediately told the decision he had thought about again.

The new decision is to establish an insurance fund, and all insurance banks and accounts will be operated and managed in the form of funds.

In terms of basic definition, Liu Xing determined that the insurance fund is a special form of social reserve fund, and from the perspective of the essential attributes of the economic category, it is different from other forms of reserve funds in nature.

The concentration of financial power in the state reserve is formed by the compulsory participation of the state in the distribution and redistribution of national income by virtue of the power of political power. It's gratuitous. It embodies the distribution relationship with the state as the main body.

The reserve fund for mutual financial assistance is formed by the joint contribution of the community in partnership funding. Although there is a relationship of rights and obligations between the partners, there is no commodity exchange relationship between them.

A captive reserve fund is a financial treatment at your own risk.

The insurance fund is a commodity exchange relationship between the insurer and the insured based on the principle of equivalent compensation. It can be said that the insurance fund is a kind of reserve fund established on the principle of equivalent compensation.

The Northern Dynasty is now a country with centralized financial power, but it is not completely centralized. Therefore, when the insurance fund is established, it is adopted that most of the imperial court contributes funds and the merchants bear the other large part of the capital investment, and only a small amount of capital investment pressure is put on the people.

The specific proportion is that the imperial court takes out 20% of the tax revenue every year and directly transfers it to the royal insurance fund as the basic reserve fund for national insurance and security, but when the principal of the imperial court in the fund reaches 40% of the total funds of the Huang Jiaju Insurance Foundation, it will no longer increase the investment.

Funds invested by merchants. It should also be kept at about 40%. The funds invested by the merchant will be used for national insurance, protection and basic operation funds.

The funds that the people insure and pay are used as funds for expenditure and security. In fact, it is to try its best to take from the people and use it for the people, and no longer seek profits from the people for the fund or the court in insurance affairs.

Under the Royal Insurance Foundation, all insurance practitioners must change the mechanism within one year and establish their own insurance funds in their merchants to ensure the stability of their capital, the stability of their operations and the development of sufficient reserves.

The merchant's insurance fund must have the following four characteristics: the first is the use of funds, which can only be used and transferred within the scope of insurance and protection, and cannot be directly used for mining and running factories, construction and paving and other affairs.

The second is that there must be a strict contract, from the admission of funds to the transfer, from the transfer reserve to the use of expenditures must be strictly adhered to the contract.

The third characteristic is mutuality. Insurance and security are social mutual assistance businesses, and their funds must also be established with clear rules and regulations to determine this basic criterion.

Fourth. That is, all funds must be established in the future Royal Bank, not in those government-supervised, commercial, private banks.

In addition to the interest given by the bank as the basis, the insurance fund needs to make credit investments to seek profits, so that the fund can grow and grow in an orderly and gradual manner while the emergency is Tzu Chi, mutual aid, protection and insurance.

In addition, the creditworthiness of the insurance fund must be reflected in two aspects: one is the reserve part of the savings insurance, and the other is the total reserve part of the insurance fund.

In the future, the insurance fund will gradually change its financial resources, and after it develops to a certain scale, it will be divided into three distinct sections. The first section is the expenditure on public sector insurance premiums, which will be divided into the following major items and sub-items.

The source of the first major item is the source of public sector insurance premium expenditure. The public sector generally refers to the yamen, government-run associations and government-supervised commercial businesses at all levels, and their funding sources are appropriations from the Ministry of Households.

The second sub-item is the object of public sector insurance premium expenditure, of which the first sub-item is the expenditure of public sector commercial insurance premiums, and the second sub-item is the expenditure of public sector social insurance premiums.

The third major item is the nature of public sector insurance premium expenditures, and the above two insurance premium expenditures of the public sector should be considered as the public consumption part of the imperial court's expenditure.

Regardless of the social system in the future, this part of the expenditure will be either for the purpose of satisfying public needs or for the cause of "government-run poverty relief", which will play a positive role in promoting social stability.

The second section will be fixed on the expenditure of personal insurance premiums of Chinese people, which will be divided into three major items and a number of sub-items. The first big item is. The personal insurance premium of the Chinese people is paid.

The second major item is the object of personal insurance premium expenditure of Chinese people, which is divided into four sub-items. The first is the personal property and additional insurance expenses of the Chinese people, and the second is the personal life insurance expenses of the Chinese people. The third is the personal social insurance expenditure of Chinese people, and the fourth is the personal professional liability insurance expenditure of residents.

The third major item is the nature of the personal insurance premium expenditure of the Chinese people, which is divided into three sub-items, one is pure consumption expenditure, and the other is savings expenditure. The third is payroll tax expenditure, and the fourth is operating cost expenditure.

The third largest source of funds will be the merchant sector, that is, the part of the funds that the merchant bears when hiring the employee. In this sector, the funds will also be divided into three major items and a number of sub-items.

The first major item is the source of the merchant's insurance premium expenditure, which comes from the net increase in the value of the enterprise, and part of the surplus labor of the employees is the source of the merchant's insurance premium.

Since the merchant is an economic accounting unit of income and expenditure, the insurance premium expenditure is included in the cost and compensated by the operating income.

The second major item is the object of enterprise insurance premium expenditure, which will be divided into two sub-items, one is the enterprise property insurance and liability insurance expenditure, and the other is the enterprise social insurance premium expenditure.

The third major item is the nature of enterprise insurance premium expenditure, which will be divided into three main sub-items: one is pure consumption expenditure, the second is savings expenditure and the third is non-production expenditure that does not add value to the commodity (to be continued). If you like this work, you are welcome to come to the starting point () to vote for recommendation, monthly pass, your support, is my biggest motivation. For mobile phone users, please go to M. to read. (To be continued.) )

PS: It's useless to have money, Suning was forced to draw by the fish belly army in Binh Duong, Vietnam, and there are big fans who can laugh together if they have nothing to do in the station