Chapter 242 Insurance
Wang and Hu were both satisfied with the emperor's grace. Although they didn't have much money, they had rewards for the imperial edict. This kind of imperial edict was not a dispatch, but did not have to pay the imperial edict, and they could keep it for themselves. Zhan Ming was more calm and indifferent, and he was unwilling to go to other places or lead troops to fight. He was already used to being in Yangping.
As for Ouyang's handling, one thing was to offset the merits and demerits, so that he could reflect on it. Zhao Yu made a lot of money when he received the imperial edict. There were more than 300 people who had no imperial edict to reward the imperial court without the imperial edict. For example, Jin Si got ten taels of gold. It was quite a hundred chunk, which was undoubtedly a huge incentive for them. Zhao Yu did this, so he naturally continued to implement assimilation measures.
Because Ouyang mentioned that she was her guide, she also received a reward of fifty taels of gold. Although gold and silver were not circulated, the emperor certainly could not use Guan as a unit when he took action. Myolie Wu was very happy to get the bounty, but she was not here to find Ouyang. When Ouyang came back, her enthusiasm passed again. In addition, her academic tension was tight and the professor was harsh, so she had no time to disturb Ouyang.
December, another new North-South Business Association. It first summarized the achievements made by agriculture-based last year, and then in response to the relatively large commercial losses this year, Ouyang focused on the insurance industry. Insurance is available in Yangping, but the region and business are limited, and it has always been a small fuss. Ouyang said at the meeting: "As long as the price is right, everything can be kept. What property losses, accidental deaths, etc. You can also insure the imperial guards. For example, each imperial guard pays ten jin of insurance every year. If you die without suicide, your widow can get a 500 jin of insurance. According to Yongxing Jun Road
It is said that in the year when Hengshan was fought, more than 4,000 people were killed. That is, two million guan compensation was required. At that time, there were 110,000 imperial guards on Yongxing Army Road, and the total insurance amount was 1,100,000 guan. It seemed like a loss, but who knew that he wanted to fight Hengshan? First, it was also considered to make some contribution to the country and not let the soldiers ahead shed blood and cry. Secondly, there was room for profit. Of course, according to principle, only a large insurance company was established for the time being. After all, there were many wars, so some compensation should be drawn from other places. I just suggested that you can study it yourself and see who is willing to take the lead in management."
One person stood up and said, "Mr. Ou, it seems that he should vote first whether the Si family can enter the seat. The Si family is very interested in the insurance industry."
"Yes," Ouyang picked up another official document and said, "I, Su Qian, Zhou An... and twenty people recommend Si De of the Si family to run for the seat, and there are three businessmen who have recommended them. This year's quota is two, the four people's mainstream business, and the funds are all within the scope of approval. If the information continues, everyone will be optimistic and vote tomorrow morning. This year, the meeting will be held at the Jinzun Hotel in Yangping. After the meeting, everyone can walk around and the room will be set. If you want to get a relationship vote, solve it yourself. A reminder, the form of canvassing for threats or promises benefits is a violation of the commercial law, and you will be removed from the list once it is now. Last point, my term of office of the chairman expires next year, and this year is the last one, and tomorrow afternoon will mainly be the chairman's position election, and everyone can also communicate with each other."
It is of course good to be a chairman. If someone else changes, there may be mistakes that should not be made. Although Ouyang is still a commercial vane, he knows that he must change his post and turns it into a tradition. He will not allow any ruler to stay on stage for long. As a modern person, Ouyang knows the truth that the inheritance of the power of the throne will inevitably fail.
Ouyang is a time traveler, but don’t think that it will not be able to operate without the Ouyang Business Association. Some things have reached a certain scale, not only can one or two people control and dominate, but are the inevitable pace of social progress.
Many people have talked about this issue to Ouyang, but Ouyang is very determined. He said that he is not stupid at the moment, but does not mean that he will not fool in the future. Everyone's golden time is limited, so changing the election is the best way. Ouyang also hopes that the chairman selected by everyone is more fair and objective, and more leadership and smart. Never think about choosing only good friends, because that will not only harm everyone, but also harm yourself. After tomorrow, Ouyang will serve as lifelong honorary chairman, without real power, but can only attend a title that indicates identity. Among the candidates who are interested, they are mostly enterprising factions such as Su Qian in their thirties. They each have their own books of election and will read it tomorrow afternoon. Don't think that Su Qian has the greatest chance. The Yangping Business Association still opposes Su Qian's part-time chairman. After all, business is expanding now, and as an excellent CEO, there are many things to be busy.
Ouyang ignored their private public relations. According to regulations, no one could visit the chairman directly or indirectly during the few days of the meeting. Ouyang had a leisure time. The next morning, the new members were officially started to vote on, namely the Si family, the shopkeeper Wang, and two were recommended by the Southeast Business Association.
Manager Wang was very modest and realistic. He first stated his business direction, which was to survey and dig underground, not include the grave. His strategy was to keep the success, and he had never loaned money, nor did he lend money to others. In addition to saving part of the remaining money to the money house, all the others funded pension funds.
Although Manager Wang is not a good money-making partner, this person is a noble person in the circle and has strong security in cooperation with him. In addition, he has a great measure to provide 80% of his profits to pension funds. All seats applauded and responded. He almost got full votes.
The competition was fierce next time. The financial resources of the Si family were not to be said, but the business association was generally dissatisfied with almost all of its family management tradition. In response to this point, Si De said that in the future, the Si family would only implement family management in the fields, and the rest of the investments would adopt a share appointment system. The second major problem of the Si family was that they did not abide by the contract and had unauthorized management of the Yangping Money House in Liao that violated the system, which led to the Si family's predatory violence and controlled a large amount of currency circulation. Si De admitted that it was a very serious mistake and said that in Liao, Yangping Money House in Liao, would serve the education fund free of charge and would not charge any commission.
The other two, one is the purple-popular river operation industry, but it is limited to the river. The other is the seed industry, which has a good reputation. Although the capital is not strong, it is the main supplier of agriculture south of the Huai River. It has introduced many fruit and vegetable varieties from Persia and Yuzhou, and sent people to the countryside to teach and plant, and has a very good reputation.
After three rounds of voting, the Si family narrowly won after Ouyang and others did enough work in advance. Although the other two companies lost, they did not lose anything, and many members were interested in their business.
The afternoon is the most important election for chairman. Since Ouyang no longer serves, someone must take over at this time next year. Compared to the smell of gunpowder in the morning, the afternoon is silent. It is not that everyone is modest, but that everyone has no confidence to do better than Ouyang. Ouyang said on the stage: "Everyone, being a chairman is not only an honor, but also a responsibility. How to better protect the interests of merchants and better exhibit the interests of merchants. Failure is inevitable. I, Ouyang, is not a saint, and I have done a lot of things that should not be done, and I have not considered everything in all matters. For example, when the Jurchen labor violence*, I am very responsible. It can be wrong, but I cannot change it. I also know that there will be many more things in this position, but there must be someone to do it. In other words, this position is also the recognition of all merchants in the Song Dynasty."
"Since Lord Ou said that, I'm the only one." Manager Wang stood up and said, "Anyway, I'm an idle person. The following is the one who takes care of the matters below and Brother Hu takes care of them."
Su Qian stood up and said, "Everyone knows that I am very brave and may make money quickly and lose money faster. I am not like an adult, but I am the emperor's confidant. I am not like many people who have ministers support me, but if everyone chooses me, I will do my best."
The representative of Yangping Business Association said that Zhou An, the representative of Southeast Business Association, naturally had to rise up: "I am not as capable as Shopkeeper Su. To be able to reach this point, in addition to being unlucky, it is all about everyone's help. I am older and cannot compare to young people. In a few years, my family business will be managed by the descendants. So being a chairman is also a pleasure." According to the rules, if Zhou An passes over 40% of his property, he will be deprived of his right to sit down. Whoever has the ability will fight for it himself.
Apart from these three people, no one talked about it. In fact, everyone knows that it must be chosen from Su Qian and Zhou An. Zhou An has a wide connection and is very smart in business, but has insufficient enterprising ability. Otherwise, it would have been so many years, except for Hang, Yang and Hong, only one Hengzhou and half Taizhou have entered the Southeast Economic Circle.
Su Qian was cruel. At that time, Yangping Business Association was almost empty, so he dared to drive all the way to the Liao border.
After comparing the two, everyone is still more inclined toward Su Qian. After all, the very important battle against Jin is about to begin. Zhou An's temperament is not suitable for the huge profits brought by the war, but is more suitable for the stable accumulation of wealth in the era of peace. After three votes, Su Qian was elected as chairman of the second business association. The funds he can mobilize now reach astronomical figures.
As for the insurance industry, it was finally obtained by Hu Wansan. He said that it was not for anything else, just for Ouyang's life-saving grace, and he also paid money. Everyone was not very clear about the profits and risks of this industry. The Si family wanted it, but they couldn't take the lead, and there were too few partners. Finally, Hu Wansan invested 500,000 yuan, accounting for 60% of the total share capital, and established the Dasong Insurance Company. Under Ouyang, Myolie Wu was temporarily the CEO. The specific candidates will be nominated by everyone at the shareholders' meeting three months later.
...
Zhao Yu read the insurance plan sent by Ouyang and immediately applauded. Although the soldiers had funeral expenses before, they were basically a drop in the bucket. And they would be exploited by black-hearted people, commonly known as skinning. Zhao Yu immediately consulted the Ministry of War and the Privy Council. Because what Ouyang proposed in the plan was that the court paid half of the five-chariot money to purchase insurance for all the imperial guards. Those who were disabled were compensated 100, and those who died were paid 500. Don't underestimate five hundred, it is enough for ordinary people to live frugal for decades.
This is how the social development is, gathering wealth into the hands of a few people. If there is no policy intervention and the secondary distribution of wealth is carried out, the gap between the rich and the poor will be widened. When you make ten coins of money, others will make one million with ten million coins. Otherwise, why is the first pot of gold the most difficult?
The information given by the Minister of War was that there are currently 820,000 imperial guards in the Song Dynasty. If each person is five stakes, it will cost more than four million. Even in the two Western Xia Wars, the pensions for the soldiers who died were only 100,000. Tong Guan didn't care about how much money it was. He believed that this was a very easy way to solve the worries of soldiers. Even if the soldiers had no money and were insured, they could still compensate half of the money in the future. Ouyang's plan was harsh that the court had to pay for all imperial guards, and could not help anyone who wanted to charge.
...
Myolie Wu looked at the plan: "Ouyang, are you playing tricks on me? If the war starts, it will not be enough to lose all my father's assets."
"Girl, you are engaged in the insurance industry. There are many things that only internal people know about in the insurance industry." Ouyang pointed out that the plan said: "Only those who do not commit suicide can get compensation. In other words, the first condition cannot be suicide, and the second condition must have a team when he dies. There is a saying in war that the army is defeated like a mountain. Once it is defeated, it cannot be considered an on-the-job because he has not fulfilled his obligations. And I still have some information."
"What information?"
"Slowly" Ouyang thought about it: "You'd better stop looking, this is the insurance trap I sorted out. As long as you believe in one sentence, I won't let you lose money."
Myolie Wu was upset: "Just say something and let me listen to it."
"Okay, let's just say one. When filling out the insurance policy, there is a survey. For example, whether you will get drunk or whether you will have frequent fights."
Myolie Wu asked in confusion: "What does this matter? Death of a fight is not considered a job. Alcoholism can be considered suicide, right?"
"Yes, so this is the trap." Ouyang said: "Many people will not fill in the truth. They will worry about whether they will lose less if they die in the future because of alcoholism. The trap is here. He lied. He did not treat us honestly and deceived us first. We can refuse to pay or pay less."
“…I don’t understand very much.”
Ouyang asked: "Do you think your teeth are healthy?"
“Of course healthy.”
"Nonsense, the gap between your front teeth is too big and there is tooth decay. After you have an accident, you first deceive the insurance company on the contract and conceal the facts. Even if the teeth have nothing to do with your death, we can refuse compensation. Because according to commercial law, it is a dishonest contract and can be invalidated. All the benefits belong to the unlittled liar."
Myolie Wu nodded and suddenly rushed over to grab Ouyang's manuscript: "Show me, show me." That's not a manuscript, that's gold.
"Don't touch it randomly." Ouyang hurriedly jumped away and threw the manuscript into the pond.
Myolie Wu looked at the manuscript soaked in water, her handwriting was blurred and she cried, "If you don't let me read it, don't write it. If you don't let others read it, then don't say it. If you say it, don't let others read it..."
Ouyang apologized: "I have been thinking about this for a long time, but I still feel that this cannot be so deceiving. After all, these people are bleed and sacrificed for me, the Song Dynasty."
"I... can I use it to others. For example, you."
Ouyang smiled: "I don't believe it. Ou Ping, give away the guests."
"Ouyang..." Myolie Wu stomped her feet hard and left. She was lame when she left. She used too much strength and was numb.
Ouping came back to take out the passengers and asked while picking up garbage in the pool, "Young master, new love?"
"Go away, my eldest niece. She is bored and teased her. Don't talk nonsense. The speaker is unintentional, and the listener is in trouble if he is intentional." Ouyang said: "His father, he was old and told me before leaving that he was acquainted with me. If his daughter is disobedient, just beat and scold me. I have already hinted that you should not attack me."
"What do you think of the young master himself?"
"Haha, Hongyu will be back next year." Ouyang said: "Of course women are good, but you have to think about the consequences of marrying a group of wives. Do you think I can still read newspapers and bask in the sun so peacefully? When you get something, you will inevitably lose something, but you just don't see it."
"Young Master, I think the truth you have been talking about has become more and more profound recently."
"For example, when I eat an apple full, I have to consider it when I want to eat another apple. My mouth is satisfied. What about my stomach? Continuous eating damages the stomach, and I naturally eat less at night, missing a better delicacy. After you get married with a woman, you have half of the money in your hands. You have to endure her nagging, and you have to endure her various problems. Correspondingly, she will help you organize your housework, cook and wash clothes, and give birth to a baby. You can also go to bed with a woman for free. Just be willing to give up. Only by giving up can you get it."
"..." Ou Ping fell into thinking.
Ouyang smiled and said, "Don't think unnecessary, this question itself is meaningless."
"Young Master, you haven't swim in winter for a long time."
"Winter swimming is more suitable for you young people." Ouyang took a sip of water and said, "I am more suitable for sunbathing." This is to enjoy life. Quiet and comfort. Ouyang suddenly thought, is he old?
Ou Ping said: "My uncle wrote a letter saying that there are three kinds of unfilial things, and that without a descendant is the greatest."
"What is two?"
"……have no idea."
"The mountains are high and the emperor is far away, so what can't be done to me?" Ouyang said: "If there is a little devil, now I will not read newspapers, but diapers. This is what I need to think about meaningful issues." Ouyang believes that children are one of the factors that make the family happy, not the product that must be created to pass on the family line and inherit their own inheritance. Of course, everyone knows differently, and Ouyang does not want to convince others, but also hopes that others will not convince themselves.
...
Zhao Yu finally agreed to the insurance plan because she and Myolie Wu used the same algorithm. She thought that what she had produced was a small head, Myolie Wu gave a big head, and the cheaper one was a soldier. She was very accepting of this emotion, so she criticized it.
This is the order, which is the performance. So in the twelfth lunar month, Myolie Wu was very busy, she wanted to hire people, she had to draft a unified contract, and she also had to open a company, arrange employees to eat and stay... As a corporate planning consultant of the insurance company, these things were not the scope of his management. Fortunately, Hu Wansan helped Myolie Wu leave two capable people. Ouyang complained to Myolie Wu, that being a boss, it is not a test of your business ability, but a test of your employability ability.
Chapter completed!