Southern Commercial Bank's site is in the south. It also has a branch in the capital that is second only to the head office. Bellito is also in the capital at this time.

Many people were afraid of the three-guarantee policy, which was a clear policy to lose money. It ignored the actual benefits of insurance business. When the two major banks represented by Bellito and Taylor noticed that they were looking at each other, the two major Economists, financial experts, and some well-known academics have begun to participate in the analysis and summary of insurance business. They have also built a lot of mathematical and economic models to verify the results of their analysis.

The results are very encouraging. It seems that all students who have participated in tuition insurance are likely to go to college. For this reason, they have collected insurance costs that may be less than two hundred yuan for many years, but they must pay when the insureds go to college. A tuition fee of thousands of dollars, which is obviously a very uneconomical business in terms of numbers alone, indicating a huge loss. Similarly, for other insurance businesses, such as medical and accident insurance, the insured person's annual expenditure of 20 or 30 yuan is not much, but once they enter the hospital, it is a huge compensation.

It ranges from a few hundred to a few thousand, which is why many people were not optimistic about the Three Guarantees policy and the insurance industry at that time, because the uncontrollable risks were too great, and a big one could accidentally make a powerful company. It became a past tense overnight.

It is indeed very dangerous according to the mathematician's algorithm, but if these numbers are brought into the economic environment, it seems less terrifying.

Twenty years ago, a gentleman had a ten-dollar deposit, which was enough for him to buy a house in a slightly backward city, but he deposited the money in a bank and prepared it for his son or grandson to grow up For buying a house.

Twenty years later, this money has become forty dollars in bank interest, quadrupling, and doubling every five years on average. But let alone buying a house for forty dollars now is enough for a family to live for a month.

Why is this happening?

Under the influence of commodity circulation and the large economic environment, the speed of currency depreciation will continue to reduce the actual value of the currency's face value at a very stable rate until a ten-dollar denomination banknote is equivalent to a dollar in the past after a period of time , Even worse.

But something that does not change with the depreciation of the currency is the value of the commodity itself. It cost two cents to buy a bread ten years ago, and twenty cents to buy a bread today ten years later. The value of bread has not changed, but the value of money has changed. In applying the economic model, if the current money is used to buy something that can "preserve value", it will get more "banknotes" after many years.

If this is not the only way to bring no more than expected benefits to the insurance business, the insurance company, or the current economic think tank in the two major banks, has finally found the key one after many days and nights The key, the key to the door of wealth-agreement.

The agreement comes into effect from the first second after the insured pays the insurance costs. In this agreement, the insurance company will use the "now looking" content that looks very affordable, so that the insured thinks that the insurance they purchased is It's worth it, as long as you buy it and make a lot of money, after all, the agreement states that in black and white, once any of the conditions on the policy occur, they will pay compensation ranging from 50 yuan to 5,000 yuan.

But they counted from the first premium to the last premium payment, they may only need to pay less than 50 yuan of premiums, but in return for a maximum of 100 times the return, is simply a huge profit!

But if you look at this policy ten years or more later, even if the insured has an accident that needs to be settled on the policy, or if any compensation agreement is triggered, they will find that year in their opinion. The overturned insurance actually turned out to be costly, even if they received the highest standard of 5,000 yuan in compensation on the agreement, maybe the 5,000 yuan at this time may not even afford a coffin lid!

So did the insurance company make it?

Of course they made it. After receiving the premium, they immediately exchanged the currency that represents purchasing power, that is, the currency, directly into the actual commodity, that is, cashing in purchasing power. This kind of behavior can be regarded as an investment. Except for those that have failed, these investments will not only depreciate but also continue to appreciate, and they are polarized with currencies that continue to depreciate. Ten years later, the same currencies have been severely reduced because of depreciation and inflation, and other willing purchasing power, but they have realized their purchasing power ten years ago. Their profits are higher than losses. They outperform the hippie love.

When they need to pay the insurance premiums that need to be settled, what they pay the insured is not the purchasing power that was cashed out that year, but the currency that has been seriously devalued. This money used to be equal to one hundred times the premium, but now they It might be worth a premium, or even worse.

There is also the cashing of purchasing power in the second year, and cashing in the third year ... So the two banks have concluded that insurance companies will definitely make money, and still make big money, much more than banks!

Therefore, the two major banks attach great importance to the insurance business. Bellito, a bank shareholder who actively participated in the whole process, can even be said to have opened up the insurance business. They were sent to Emperor Capital and continued to close the gate of this diamond mine with Taylor. Don't let other people take their money.

After the chamber of commerce's approval came down, not only did the Imperial Bank have one, but Bellito also had one here. He was relieved after reading all the comments, and the matter was settled. Although there were many accidents in this process, such as Doolin snapping up those policies, for example, the local indigenous rich people in the west also participated in snapping up the insurance policies. For example, even the imperial central bank was involved in this commercial activity to divide the victory cake, but In the end he still won-part.

This has made him very satisfied. Robbing food from the mouth of the Imperial Central Bank has made him so popular in the South Commercial Bank. Many people think this is a very exciting thing. Now they also know that before Bellito got the news, in fact, the imperial central bank had reached a series of transactions with the cabinet and went to the west to prepare for the big trouble left by the farmers. They were the "third party". It was a great victory.

Now that the approval is down, the process should be followed. The first step is to determine the organization and membership list of the Self-Regulatory Commission, and then the United Chamber of Commerce will release this fact to all sectors of the society. Then you can talk to Du Lin to talk about The policy he bought back came back, and they were not worried at all that Du Lin did not nod because he did not have the standards to enter the insurance industry. Even if he did, under the interference of the Insurance Industry Self-Regulatory Commission, his standards were not enough.

To this end, the two major banks held the establishment meeting of the Insurance Industry Self-Regulatory Committee on the third floor of a hotel of high political and commercial significance. In addition to Bellito and Taylor, as well as those seven retail investors, there are also some "enthusiastic people" from the society, such as those from the South Commercial Bank and those from the Imperial Bank.

It is a matter of course that such an important meeting should be held with high specifications. The committee's preparatory group not only covered the entire three floors, but also invited nearly a hundred journalists and newspapers, as well as some "enthusiastic people" from all walks of life.

"There are fifteen minutes to the meeting. See if there is anything missing." Taylor stood on the podium in the conference hall, looked at the rows of seats and name cards below, and asked.

Bellito stood beside him, he shook his head, smiled and reached out to Taylor. "I think it's perfect, congratulations, Mr. Taylor. I heard that the Central Bank Council nominated you to be an insurance company. The first executive director? "

The corner of Taylor's mouth was slightly raised, which scratched his itch. He did not expect that the council had given him such a big stage and power. This is indeed the happiest time in recent days. I can't wait for everyone to come. Just ask once.

He nodded his head with a humble smile, "In the future, I need your cooperation from Mr. Bellito."

Bellito also smiled and said something nice, cooperate?

Coordination is impossible ~ lightnovelpub.net ~ Cooperation is impossible in this life. The South Commercial Bank and the Imperial Bank will always be two hostile camps. It may be more pleasing to say that the fighting is more pleasing.

At the same time, Doolin stood in front of the first villa on Empire First Avenue, smiling farewell to Magus's wife, carrying a small gift box full of pancakes. Although Magus didn't say that the pizza was not delicious, the wife who often found those pizza "corpses" in the trash can already knew that Magus was not interested in pizza. A woman, especially a woman like her, is actually not suitable for doing anything, because no matter what she does, it will be considered that this may be the signal of the release of Magus. She can only stay quiet at home and even entertain. Must all be reduced.

Now her only pleasure is cooking, making some snacks and giving it to loved ones or visitors to taste. She likes this young man who likes to eat his own pizza very much. It is like getting someone else in his career. For sure.

After Du Lin's visit, he took the initiative to ask for some pizza to leave, making Magus' wife very happy and sending him out.

"Ma'am, please stop ...", Du Linwan, who was standing outside the yard, rejected the idea that Magus' wife would send him for a while, thanked him and left. After leaving First Avenue, he threw the gift box into the trash bin, and then got into the long-awaited car, "Go to the Peace Hotel!"

When someone reported this to Magus, Magus laughed and cursed without saying anything. He was very clear that Du Lin's purpose was so simple to make his wife happy, which happened to be what he wanted to do, so why did he punish Du Lin? Because Du Lin gave his wife a smile?

He kicked the trash can under his feet, and a pile of dead pizza corpses was hidden in the darkness.

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