"Aren't your insurance association afraid of losing money?" Qin Li pulled the topic back and asked curiously: "The goods in our ship are worth a lot, right?"

"Of course, the value of the goods is more than 200,000 taels of silver." Wu Guoyong smiled and said, "Your boss has 150,000 taels, and I have brought 50,000 taels. We have paid a total of 20,000 taels of silver for purchases of insurance based on one tenth of the value of the goods."

"Boss Wu, assumption, I said it was assumption. If something happened to us, they would have to pay 200,000 taels. This would be a huge loss." Qin Li said.

Wu Guoyong laughed: "It's not uncommon for such things, but look!" He pointed to the merchant ships that had already left the port. "There are at least four or five merchant ships going to sea every day. At most, there can be more than ten. There are very few people who have an accident. In fact, we just spend money to buy something safe. If we don't buy it, there may not be any accident."

"It's 20,000 taels of silver, this is money that ordinary people can never make in their lifetime." Qin Li sighed.

Wu Guoyong spread his hands: "It's your first time going overseas. Do you know how much profit we can make for this trip to overseas?"

"How many?"

"At least 200,000 taels." Wu Guoyong said with a smile: "This is because there are too many merchant ships going to sea in recent years. If it were before, there would be three or four times the profit. Tell me, what is it to pay 200,000 taels to earn 200,000 taels?"

"That's right!" Qin Li nodded. He now understood why the court had always wanted to open another route. With such a high profit, anyone would have to find a way to get a share of the pie.

"That insurance federation is really good at doing business."

"What's this!" Wu Guoyong shook his head: "Although the Insurance Federation started with our maritime business, Datou is no longer our Luo, which is not a good thing for us! At the beginning, insurance was 20 to 1, and now it has doubled."

"why is that?"

"It's simple, because the insurance federation was the customer, we had the final say. If we don't buy it, they wouldn't have business. But in recent years, they have developed other sources of wealth. Our business of the maritime business has been retreating again and again. The proportion of the business share of the insurance federation has dropped sharply. The annual negotiations between our maritime business association and them have become increasingly difficult. Everyone is jealous of our high profits. They just want to get a little more."

"What else can make more money than asking you?" Qin Li widened his eyes.

"Medical Insurance." Wu Guoyong spit out a noun that Qin Li had never heard of.

"What's this?"

"This was launched by the Insurance Federation two years ago. Once it was launched, it was very popular. Do you know that everyone just needs to pay five taels of silver to the Insurance Federation every year, and you have a headache or fever. As long as you go to the court clinic they designated for medical treatment, it is basically free. Unless you designate those famous doctors to treat you, you will pay some extra fees." Wu Guoyong shook his head and said, "I don't know how Wang Yueyao, the head of our Ministry of Commerce, really grows. He can think of such a business!"

"This is a total loss-making business. What can you do if you have five taels of silver?" Qin Li knew that in Qi State, if you hire a doctor, it would be not cheap, not to mention the medical expenses, just the medical expenses are not cheap.

"There are not many, but it can't stand many people!" Wu Guoyong chuckled: "How many people are there in the Ming Dynasty? I have heard people say that they are the secretary of the Ministry of Revenue, who is from Baoqing. When they went home to visit their relatives, they talked about this. Our Ming Dynasty now has more than 60 million people, of course, including the Western Land and Chu Land. But our Ming Dynasty has more than 20 million people. Even if only the local people from the Ming Dynasty buy it, five taels per person, how many are this? And how many of these 20 million people really get sick in a year?"

“Where will everyone buy it?”

"That's right, but in the West and Chu lands, there are many people who live a good life, right? These people will buy them too. You should know that even if you get a serious illness, as long as you buy these five taels of silver insurance, even if you spend thousands of thousands, the insurance association will pay you. Do you think everyone is interested?"

Qin Li was stunned.

"This is just one of them." Wu Guoyong whispered: "There are so many kinds of insurances, so the Insurance Federation has looked down on us now, so we have repeatedly raised our insurance amount. They used to ask us, but now we ask them. In the thirty years, Hebei and in the thirty years, the feng shui will change in turn!"

Wu Guoyong looked helpless.

"So, your insurance association will have to make hundreds of millions of taels of silver a year?" Qin Li made up his calculations silently in his heart, and was shocked.

"Why are there so many?" Wu Guoyong shook his head and said, "After all, I still have to pay it! It's only a hundred million taels a year, and there's always no problem."

"So much money?" Qin Li was a little dull. Now the treasury income of Daqi in one year was probably that money.

"It's not too much to say too much, it's not too much." Wu Guoyong said: "Our court makes money very good, but it's even more powerful. The Insurance Federation has branches in various counties. The money they hand over to the headquarters every year is not all, but is based on proportion. The local county government can leave a part of it, but this part is designated to only be used for infrastructure construction, namely road construction, water conservancy construction, and of course, there are also schools."

"Academics are also infrastructure?" Qin Li asked back.

"Anyway, the court stipulates this. The emperor said that he is infrastructure construction, and he is infrastructure construction." Wu Guoyong smiled and said, "Anyway, what the Emperor said is definitely right. Think about it, with this, the local county governors are still trying their best to help the Insurance Federation sell insurance! Like our Changyang County, it used to be poor, but now it is the best place to sell insurance. The money left behind is of course the most. Now, the main road has been built and the water conservancy has been built. Every village has built schools. There is no land to spend. What should I do? But if you can't spend all this money, the court will take it away. So I decided to spend it. Now, every village is open. As long as there is someone living, I will build a cement road for you."

Qin Li was speechless when he heard this. He had enough money to spend.

"Don't those local officials make fake accounts and spend money elsewhere?"

"We have a place in Changyang County. But it was found out when the account was checked at the end of the year. The county magistrate was demoted to three levels in a row. The money was not embezzled, but used in other places. It is also a matter of official business. However, rules are rules and regulations. If you don't follow the rules, you will not be able to make a square meter. This is what the supervisory official who came to inspect at that time said. Although the county magistrate may be promoted back in the future, in the officialdom, if you have been missing for these years, you will fall behind in one step and fall behind in your life. What a pity, with this lesson, who would dare to do such a thing?"

"This, this is too rigid." Qin Li could not understand the Ming Dynasty's governance philosophy at all.

Unexpectedly, Wu Guoyong shook his head repeatedly: "It is better to be rigid in such a thing. This is not business. If you let go of a crack, you can pry out a door for you tomorrow. If you continue for a long time, the rules will be useless. Officials are not like us who do business. If they lose, the people will suffer losses. His Majesty the Emperor is in the world and is compassionate to the people. He can't ruin it."

"Then if you Changyang County is taken away if you can't use up this money in the future, you Changyang people will lose money."

"It's not a loss, but the court takes it away. I still have to take it out and go to those poor places to build roads and water conservancy. The people are all benefiting!" Wu Guoyong looked worried about the country and the people, "The richer the people of the Ming Dynasty, our business will be very easy to do, don't you think? Those who are poor in the West are so sad."

Qin Li was speechless. At the same time, he was thinking in his heart, why didn’t Daqi learn from the Ming Dynasty’s way of making money? It was all for the people, and the people really benefited, but the biggest beneficiary was the court of the Ming Dynasty.

"Your emperor is really a good person to make money."

"That's right, but His Majesty the Emperor is even more good at spending money. I have heard that even if you have so much income a year, the imperial court still owes money every year. Our Ming Dynasty's territory is getting bigger and bigger, and naturally there are more and more poor people. If you want to make these places as rich as the Ming Dynasty, you really have a long way to go!" Wu Guoyong laughed.

Qin Li was silent for a while, and looked at Wu Guoyong who was still excited, but he was no longer interested in continuing. "Boss Wu, I'm a little dizzy, I'm going to go back and take a rest."

"Go, go, the first time I went to sea, it was like this. Your hard days are still coming. I remember the sin I suffered when I first went to sea. Now I still feel scared when I think about it. However, compared with that time, it is still much better now. At least the ship is much bigger. On the sea, the bigger the ship, the smaller the sin you suffer. The days we were on the sea back then were really not a human being, but everything has passed, everything is getting better, right?"

When Qin Li returned to the cabin, he felt a little sleepy. The deeper he understood everything in the Ming Dynasty, the more terrifying he became. Qin Feng's policies were to buy the people well and benefit the court. The Ming Dynasty's local area is almost as solid as the local area. The people's support for the court is afraid that they can't find such a high approval rating. With Qin Feng's policies in the west and in the Chu area, is it difficult for him to operate these places to become the same as the local area in the Ming Dynasty?

Not difficult at all.

Qin Li knows the psychology of ordinary people. If you let him have a full meal, he will be convinced by you. If you make his life better, he will be devoted to you.

How can such a Ming country defeat such a Ming country?

It seems that the memorandum I sent underestimate the seriousness of the problem, but the conclusion is correct.

That is, launch a war against the Ming Kingdom as early as possible.

The more you drag it back, it is afraid that it will be more unfavorable to the Great Qi Dynasty. This conclusion is completely opposite to the conclusions of the senior officials of the Great Qi court.

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