The concept of insurance is indeed beyond the thinking of the people of the Tang Dynasty. No one from the three provinces and six ministries, including Li Shimin, can understand it. They seem to be listening to a fantasy story, and they can't figure it out.
I bought an insurance policy with money. If there is an accident, the compensation will be 50 guan. The deposit is only 30 guan. Where did the extra 19 guan come from?
Ah, there is a bank. Li Mu has a bank. He can deposit money in the bank and loan it out to make a profit! What a treacherous person!
But then I thought about it and it was wrong. This money cannot be deposited in the bank. This money was used to buy supplies for the Turkic tribes and has already been spent. The remaining money, even if it is deposited in the bank, will not turn over nineteen.
Times. If you can really make such a big profit, who would do business? You can just buy insurance and sleep at home!
Moreover, Li Mu's attitude is also strange. Just now, he looked listless and helpless. When he mentioned this insurance, he suddenly seemed to be a different person, radiant and energetic. This made Li Shimin have to doubt.
Was this kid forced too hard and had a brain disorder? Otherwise, how could he say such ridiculous things? Li Shimin couldn't help but blame himself, and looked at Li Mu with even more shame.
"Your Majesty, what do you think of me? You can speak up!"
Li Shimin sighed, not daring to look at Li Mu, and said: "Li Mu, it's my fault. I shouldn't have put so much pressure on you. Okay, don't think about this anymore and go home quickly.
Rest, I will send someone to notify Liu Shenwei and ask him to see you."
"Ah?" Li Mu's head was full of questions and he said speechlessly: "Your Majesty, don't you think that I have lost my mind and gone crazy? This plan was prepared by me years ago, and I poured all my ingenuity and hard work into it.
How can your Majesty think that I am crazy? This is so heartbreaking!"
Li Shimin said: "Li Mu, do you know what you are talking about? A deposit of 30 guan was used to buy an insurance. There was no need to do anything and the compensation was 50 guan. The principal was used to buy supplies and was spent.
In other words, one guan of money finally turned into 50 guan, can I ask you, where did these 49 guan come from?"
Changsun Wuji and others also had this doubt and cast their glances one after another.
Li Mu suddenly realized that this was the problem. He laughed and said: "This is what I do for a living. Originally, it was not easy to tell outsiders, but your majesty and the princes are not outsiders.
It doesn’t matter. Your Majesty, please think about it. Suppose one person pays a certain amount of money for each order, and one hundred people are worth a hundred yuan. If all orders are completed, wouldn’t I earn a hundred yuan in vain?”
Changsun Wuji couldn't help but said: "How can such a good thing happen? If two out of a hundred orders go wrong, the hundred dollars you earned will be gone. If three go wrong, you will lose money!"
"That's absolutely correct." Li Mu said solemnly: "But I want to ask Uncle Guo, how do you know how many problems there will be in a hundred orders? You think it may be three, or even thirty, but I
I feel that under the operation of the Ministry of Internal Affairs, the possibility of problems is not more than two, or even none. So have I earned this money? Everything is risky. It is like a gamble.
The brave ones will be starved to death, and the timid ones will be starved to death. I weigh more than a hundred kilograms, and I have the guts to weigh ninety-nine kilograms. If I dare to do it, I deserve to be punished, can't I?"
Li Shimin thought to himself, are you brave? You are cheating! You just made it clear, you are using my internal funds to endorse, if you lose, the compensation will be my money! Li Shimin was anxious, but he
I was embarrassed to speak, and kept winking at others, hoping that someone would stand up and break this matter.
Li Mu and Changsun Wuji have just gotten along. Who else would be willing to wade into this muddy water? Character is revealed only in times of adversity, and at such a time, it has to be Wei Zheng.
Wei Zheng, who had been silent until he saw the look Li Shimin handed him, hesitated for a moment, and then said: "Li Mu, you said I don't know how many orders will have problems, and you don't know either. Before things happen, who will
I don’t know. But you use your internal funds to gamble. If you lose, the loss will be His Majesty’s money. I personally think this is inappropriate."
Li Mu was waiting for these words. He was secretly happy in his heart, but his face turned red and he said angrily: "Old Wei, are you saying that I am cheating His Majesty? When did I, Li Mu, ever make a loss-making business? Datang Insurance must
I have made some rough calculations, and if the execution is carried out properly, the net profit will be hundreds of thousands of dollars a year. This is a golden idea that I have worked hard to come up with for Your Majesty, and it can make your Majesty's internal savings of millions of dollars as soon as possible.
Golden idea, I have contributed all my wisdom to Your Majesty, how can I allow you, a layman, to point fingers? You know very well!"
Wei Zheng was used to Li Mu's rebuke, so he turned a deaf ear and thought to himself: "I didn't say your original intention was wrong, I was just pointing out the risks. If it goes as you think, it's naturally good, but if it doesn't go as you think, wouldn't it be bad?
There are accidents in everything, and you can't guarantee that accidents won't happen. If you let me choose, I would rather choose a safe way, even if it is slower, than take a risk. Now that Datang is recuperating, it is not that there is no time, and there is no rush.
To the extent that I need to gamble.”
"Old Wei, you are old and timid. If you don't try, how will you know that you can't succeed? I, Li Mu, don't give you this for nothing. If I say you can achieve it, you will definitely succeed!"
Of course Li Mu was confident. In his previous life, if he opened any app at random, he would see advertisements for various insurances. For personal insurance, accident insurance, and disease insurance, if he invested ninety-eight yuan, he would be able to protect you for ten thousand yuan, and if he invested two
I dare to protect you for 200,000 yuan, a hundred times the insurance amount. Why do insurance companies dare to be so confident? It’s not because the insurance industry is so profitable!
Some good people have calculated that for a certain insurance giant, its profit rate in its financial reports for the past ten years has reached 109%. Some people may be surprised when talking about this, it is not 100% possible. After all, it is still
To pay employees salary commissions and pay insurance premiums, where does the extra nine percent come from? The answer is simple. After the insurance companies have gathered huge funds, they buy land, invest in real estate, and enter the stock market to acquire shares of high-quality companies.
If you turn it around, you will get 9% more.
It is impossible for an individual to compare with an insurance company's team of actuaries with a million-dollar annual salary. The premium rate and interest rate spread of any insurance type will always be controlled by the insurance company, and the insurance company will always make a profit without losing any money.
Li Mu does not have an actuary, but as a game data balance designer, he is the best actuary in the Tang Dynasty. If the Ministry of Internal Affairs controls all order trade, he will be confident that the order completion rate will be higher than 98%
, there is not even one problem. The operation is also very simple. If there is a high possibility of problems with this order, just split it, or simply not do it. Isn’t it done?
Those who follow the rules will never be able to defeat those who make the rules. This is a fundamental rule.
Li Mu is now relying on his knowledge that exceeds that of the Tang Dynasty for a thousand years to reduce dimensions and fight against bullies, but the Manchu emperor and ministers still can't see through it. This feeling is really not too good. He deliberately did not explain the matter in detail, which seemed very risky and very risky.
It's unreliable, so Li Shimin will definitely be worried. As long as someone brings it up, he will borrow the money from Po Xia Donkey, and the insurance industry will naturally fall into his hands and become his golden doll. This is the purpose of such a big drama for him.
.
Now that the drama is almost at its peak, it depends on how Li Shimin chooses. If he still chooses to use internal funds to endorse the endorsement in the face of risks, Li Mu has no choice but to admit it. But Li Mu feels that with Li Shimin's character, he will never
Ninety percent of the time, he will still avoid risks subconsciously because he really wants ten thousand cavalry, and he will shamelessly throw the blame on himself.
Facts have proved that Li Shimin never disappoints.
"Okay, stop arguing, what's the point?" Li Shimin cut off the quarrel between the two and said: "Li Mu, I think what Duke Wei said is reasonable. It's not that the Tang Dynasty doesn't have time, and it's not that I don't have time, I can afford to wait.
I don’t understand this thing about insurance, and I don’t understand it even after hearing what you said. Since you think you can make money, why not do it yourself? The money you make in a year is no less than the internal funds, and you can afford it. My internal funds
Damn, there are other uses for it."
How about someone who is the emperor? Look at what they said. You said you can make money yourself. My money has other uses. I dug a hole conveniently. Li Mu, didn’t you say you are guaranteed to make money? You are guaranteed to make money.
You have no reason not to do it. If you don’t do it, you are lying, and you will have to bear the crime of deceiving the emperor!
Li Mu was secretly happy, but his expression froze, as if he didn't expect that Li Shimin would make this move, and he was stunned on the spot.
Looking at Li Mu's appearance, the thoughts in the minds of the emperor and his ministers were further confirmed. Li Mu had no idea about insurance. He was forced to cheat and wanted to get through. Unexpectedly, he was exposed by the wise and righteous emperor and his ministers together, and he was completely exposed.
No way!
Li Shimin also felt that he had finally defeated Li Mu and allowed him to shoot himself in the foot. Needless to say, he felt happy. If he had not taken the emperor's majesty into consideration, he would have laughed loudly at this time.
Li Mu also wanted to laugh loudly, but the play was not over yet. He couldn't laugh, he had to cry, and the crying couldn't be obvious. He tried his best to adjust his facial muscles and forcibly changed his laughter into crying, which caused his expression
He couldn't laugh or cry, his lips trembled, and he trembled for a long time, holding back a sentence: "Your Majesty, this is a golden idea that I worked hard to come up with for Your Majesty, how can I use it myself? If I make money in the future,
I will be embarrassed."
"How can I be a person who is blind to money!" Li Shimin became excited and shouted: "The senior officials went to get pen and ink. Today I signed the contract in black and white, with three provinces and six ministries as witnesses. Will this insurance really make such a profit in the future?"
I won’t take any of the money that Li Mu mentioned!”
Yes, that’s how it has to be!
Li Mu's eyes were slightly red, Your Majesty, you are so generous!
Seeing Li Mu's slightly red eyes, everyone was secretly happy: Li Mu, you deserve it!