copy raider

Chapter 654 Perfect System

As the footsteps became faster and faster, the pedestrians around gradually increased.Although there are shops on every bypass, the market in Shouchun City has not decreased, but is full of vitality.

"Come and take a look, this is the best silk from Yizhou, the price is cheap, if you want to buy it quickly"

"Silk, silk, anyone want it?"

"..."

A voice came from the ear, the silk seller was with the silk seller, and the straw sandal seller was also with the straw sandal seller.This strange scene made people feel a little surprised.It stands to reason that merchants should not be sold separately?Are you afraid of lowering prices if you push each other?You must know that this is a very unfavorable situation for merchants.

Guo Jia frowned and gradually sank into deep thought, looking around back and forth.

A man dressed as a clerk came out of a silk shop, took out a wooden sign and placed it at the front.Then he waved towards the inside, and several men who were also dressed as clerks came, with various items such as porcelain and silk piled up on it.

Pedestrians around saw this and ran over one after another, almost filling the area with water in the blink of an eye.Afterwards, everyone rushed to tell each other, and the sound of the tide came from their ears.

"Wu Ji Trading Company is back, everyone come here quickly."

"Take your membership card and come here to get your things"

"I heard that I made a lot of money by going to sea this time, and I'm sure I'll get a lot of good things."

The word "going to sea" circled in his mind, and Guo Jia, who was walking around, couldn't help but see a bright light.Then he exchanged glances with Cao Hong and followed the crowd towards the shop.

"Dare to ask this brother, what does the shop's money have to do with us?"

"It has nothing to do with us, but it has something to do with members"

"What is a member?"

"There are two kinds of members. One is to deposit the bonds in the store, which is called lending. The store guarantees that the principal will be given after maturity, and at the same time, it will also give gifts every month. The second is to give the bonds to the store, and the store's interests and Risk sharing. If they don't manage well and lose money, then the bonds they were given are lost."

"Bonds? They are Yuzhang bonds issued by Yangzhou."

"kindness"

One person replied to Guo Jia.

Looking at the long line, his eyes were full of anticipation.

"I said that the fleet of Wuji Chamber of Commerce will definitely be able to return smoothly. Now it seems to be true. In just half a year, the principal has brought ten times the benefits. If this continues, it will be prosperous."

"Ten times the benefits?"

Guo Jia gasped.

How much is the profit of farming?How did this person get such a huge profit in half a year?It seems that my Demon Race still has a lot to learn from the Yaozu.

"Ten times the profit is considered small. Of course, risks and benefits coexist. It is possible that two or three of the ten ships will return."

"I still don't understand, what does the return of the fleet have to do with you?"

"Because we have a stake"

"Invest in shares?"

"It means sharing risks and benefits, and it is also the second situation of members I just mentioned. The amount of money paid determines the subsequent loss and profit distribution."

"If all the ships are destroyed, what will happen to these members?"

"Principal is in vain"

"And then? If the crew members on the ship die, they don't need pensions?"

"That's a matter of insurance. We have bought insurance for everyone who goes to sea."

"What is insurance?"

"It is a group willing to take risks. They assess the risks of going to sea, and then charge insurance premiums of different sizes. If the journey is smooth and smooth, the insurance costs will fall into their pockets. On the contrary, if the ship dies overseas , then it will be up to them to provide pensions.”

The person standing next to Guo Jia explained.

Guo Jia's eyes were full of shock. Obviously, he saw this matter more thoroughly than ordinary people.

"The cost of pensions is high, how can they afford it?"

"Exorbitant? You should say that the insurance cost is high, almost half of the pension cost"

"half?"

Cao Hong, who was standing aside, gradually frowned, suddenly feeling like he couldn't keep up with his train of thought.But there is a vague feeling that this system may be very useful for Chongzhou.So I kept it in my heart, and I will ponder it in detail when I have time.

"You are not afraid that after the ship is wrecked, those insurance groups see that the amount of compensation paid is too large, so they abscond directly."

"There is an overseas protectorate to guarantee that such a thing will not happen, and they may have to pay a large amount of deposit in the overseas protectorate. If they abscond, those deposits will be sent directly to the families of the victims. The shortcomings It will then be made up by the Overseas Protectorate. At the same time, the license of the insurance sales gang will be cancelled, and the State Shepherd’s Office will issue a sea arrest document.”

The man spoke slowly, looking confident.

What is buying insurance?It is an industry that guarantees income from droughts and floods. I don't know how many people have sharpened their heads just to get those thin bamboo pieces from the hands of the Overseas Protectorate.In the words that Guo Dudu often talks about, this is to pick up money and only a person with a bad mind will refuse such a good thing.

It seems that the risks are huge, but judging from the huge insurance costs and the number of people insured, this is completely a positive return.And with a huge amount of money in hand, even with the interest given by the shop, it can still make a lot of money.

"Nowadays the world is chaotic, as long as you flee to other states and counties, it seems that you can still get away with it. It seems that the punishment is not as severe as imagined. If the security deposit is gone, it will be gone. After all, the money in your hand is the most important thing." "

"Do you think the biggest penalty is the arrest document and bond?"

"Is not it?"

"It's not the two, it's the license"

"Why?"

"Because selling insurance is a profession that guarantees income from drought and flood, those risks seem to be huge, but they are actually not that big for everyone. For example, if a hundred boats go to sea, they can return 51 boats, and they will earn. If they can return five They also earn ten boats, but they still earn money if they can return forty boats.”

"This is impossible"

"Why is it impossible?"

"The insurance premium for each ship is only half of the pension after the shipwreck. Shouldn't more than half of the ship's shipwreck be a loss?"

"You only see the first and not the second. With such a huge amount of funds in your hands, if you lend to shops, or buy real estate in prosperous areas, can't you make money by renting it out to merchants? This is the most impressive income , but also the most neglected

The man spoke to Cao Hong and Guo Jia.

Then raise your voice.

"If you don't believe me, you can go to someone and ask casually. If they have a license to sell insurance, will they sell insurance? Children who have just learned to speak will choose to sell insurance without hesitation"

Seeing that man's arrogance, Guo Jia's heart was beating violently.Although these words sound like nothing, but after a little scrutiny, one can find that there is a frightening power hidden in it.

(End of this chapter)