"Taifu, do you mean that in the future, all merchants will have to bear a large part of the insurance premiums of the people they employ?" When Liu Xing briefly paused for the third time and lowered his head to ponder, Lu Mingtao asked with some consternation.

Nodding slightly, Liu Xing said: "Yes, the merchant bears a part, and the imperial court bears a part, which is the basic criterion, and the volume ratio is also similar to the amount of the Royal Insurance Foundation." ”

"That ......"

When the words came to his lips, Lu Mingtao, who was born in a merchant family, did not say it immediately.

Seeing his appearance, Liu Xing smiled slightly: "What is that?" Are you trying to say that this will increase the cost of doing business for merchants, and increase the expenses of many merchants? Do you still want to say, what can I do if the merchants don't pay that part of the insurance premium? ”

I don't know that although Liu Xing can't cast spells, the mind reading technique is a foreign spell locked by the fairy trace, and it can still be controlled and used by Liu Xing freely.

Hearing this, Lu Mingtao was shocked again, and said in shock: "Taifu, you, how do you know what your subordinates are thinking?" ”

Still smiling, Liu Xingdao: "To be a person and do things, you can't just stand on an angle to see the thing you want to do. You are from a family of merchants, and I have traveled all over the world and made many businessmen and friends. If you think about it from the perspective of the friends I made at the beginning, I can think of everything you can think of. ”

Empathy, this term is very fresh but easy to understand.

When Liu Xing finished saying these words, Lu Mingtao suddenly said: "Oh, it turns out that Taifu traveled the world in your early years. Many businessmen have become friends. It's a subordinate who is lonely and unheard. But since you can think of this, Taifu. Why do you need to make such a decision? Aren't you worried about the backfire? ”

Hearing his words, Liu Xing's smile turned into a cold smile: "Backfired? Hmph, the master just asked those businessmen to take out about one-twentieth of their profits to bear the insurance money of the people they hired, if they still want to sing a game with me, then how can the master allow him to continue to live in this world? “

After a slight pause in his words, Liu Xing immediately said: "Besides, there are black-hearted businessmen in this world, but they are by no means the absolute mainstream group among merchants. If you don't understand how much favor you give to your employees, you can make them work harder, and even work hard for them. That merchant is not going to be a very rich merchant. ”

At this point, Liu Xing looked at Lu Mingtao with both eyes, and continued: "Do you think about it yourself? If your hired servants are not grateful to your father, they will always be resentful. Those hired workers will give you a 'careless' look when they are fine, is it your father's deduction of his wages that has caused him a big loss, or is his 'accidental' causing a big loss to your family's property? ”

"Barefoot people are not afraid to wear shoes, and the hired workers are the largest group of barefoot people in the world, and the merchants are the ones who wear shoes. Don't really underestimate or look down on those who wear shoes, and be careful of those who carry you with a barefoot board today and turn over in the future and directly send you to the eighteenth layer of hell. "To the end. Liu Xing's face completely turned into a cold look.

Seeing and hearing this, Lu Mingtao nodded lightly: "I understand." The biggest reason why Taifu is not worried is that most businessmen in the world do not care about the use of one-twentieth of profits to buy the hearts of hired workers. Because the input is less than the output, and the effort is less than the return, there will really not be many people who oppose it. ”

Seeing that he had figured it out, Liu Xing immediately returned to his usual complexion and said solemnly: "You can figure it out, and I believe that more businessmen who are more shrewd than you can also figure it out." Okay, go ahead. And I said, ...... remember."

As soon as the words stopped, Liu Xingxuan continued to say his in-depth regulations on the insurance fund.

According to Liu Xing's idea, the composition of insurance money needs to be composed of four parts. The first is the self-owned capital of insurance merchants, the self-owned capital of insurance banks and accounts, including registration funds and merchants' private reserves.

The second is the non-life insurance liability reserve, which includes two parts: premium reserve and compensation reserve. The reserve for claims includes: reserve for outstanding claims, reserve for incurred unreported claims and reserve for unpaid claims, and total reserve.

The third is the life insurance liability reserve, and the fourth is the insurance protection fund.

The use of insurance money must also adhere to certain guidelines. The use of insurance funds refers to the behavior of insurance firms and commercial banks using idle funds to carry out various forms of investment and financing to increase profits.

Among them, we must adhere to the three basic principles. The first is the principle of security, the second is the principle of profitability, and the third is the principle of liquidity.

These three basic principles are interrelated and mutually restrictive, and income is the goal of the use of insurance funds, but they are often contradictory to safety and liquidity.

Since the function of organizing economic compensation is the primary function of the insurance company, and the financing function is the secondary, the particularity of the operation of the insurance bank determines that the use of funds should first ensure safety and liquidity, and on this basis, the pursuit of income to increase profits. The form of insurance fund will be mainly determined as five channels, the first is used to purchase bonds, the second is to invest in the equity of merchants, and the third is to invest in real estate, such as real estate and land and other industries.

The fourth was the credit for lending, and the fifth was deposited as a deposit in the form of a silver number, bank, or future royal bank designated by the imperial court to earn more interest.

In addition to the above-mentioned forms of application, insurance funds can also be used to invest in various types of funds, interbank lending, private storage of gold and silver, and other low-risk profit-making purposes.

In the use of insurance money, certain basic principles must be adhered to. Although there are necessary and possibilities for the use of insurance funds, certain conditions are still necessary to make this possibility a reality.

Such conditions mainly include: market conditions, policy conditions given by the imperial court, talent conditions formed by the personnel environment, and management conditions formed in the operation of merchants.

The significance of the application of insurance money to a full range of social activities will be to promote the insurance business not only to become a means of accumulating funds, but also to achieve the purpose of organizing economic compensation. It can alleviate the contradiction between insurance rates and profits, and at the same time promote the insurance industry to actively develop more business.

In short, the macro effect of the mutual penetration and interactive development of the two basic businesses of the insurance industry is reflected in the following aspects: first, merchants and individuals can obtain the greatest possible insurance protection with the minimum premium expenditure; Second, it is necessary to accumulate as much as possible the insurance fund and turn it into a production and construction fund.

As a result, the unique function of the insurance industry to organize economic compensation has been brought into full play. (To be continued.) )