The concept of insurance is indeed beyond the minds of the Tang people. None of the bigwigs of the three provinces and six ministries, including Li Shimin, could understand it. They seemed to be listening to a fantasy story, and they couldn't figure it out. They bought an insurance with their money for one day, and if something happened, they would pay fifty cents. The deposit was only thirty cents, so where did the extra nineteen cents come from?

Ah, there is a bank. Li Mu has a bank. He can deposit money in the bank and then borrow it 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 it has been spent. Even if the remaining money is deposited in the bank, it will not be increased by 19 times. If there is such a big profit, who can do business? I will just buy insurance and sleep at home!

Moreover, Li Mu's attitude was strange. He looked listless and helpless just now. When he mentioned this insurance, he suddenly felt like he had changed his body, and his face became radiant and energetic. This forced Li Shimin to doubt whether this kid was forced too hard and had a brain disorder, otherwise how could he say such a ridiculous thing? Li Shimin couldn't help but feel a little guilty, and his eyes looking at Li Mu became more and more ashamed.

"Your Majesty, what's your idea? You're talking!"

Li Shimin sighed, not daring to look at Li Mu's gaze, and said, "Li Mu, it's my fault. I shouldn't put such a lot of pressure on you. Okay, don't think about this anymore, go home and rest quickly. I will send someone to notify Liu Shenwei and ask him to see you."

"Ah?" Li Mu asked in his head and said speechlessly: "Your Majesty, don't you think I'm crazy, right? This plan was prepared by me a few years ago. I have devoted all my cleverness and hard work. How can Your Majesty think I'm crazy? This is so heartbreaking!"

Li Shimin said: "Li Mu, do you know what you are talking about? A deposit of 30 guan, Yiguan money bought insurance, and you didn't have to do anything, and you paid 50 guan. The principal was used to buy supplies, and it was also spent. In other words, Yiguan money finally became 50 guan. Can I ask you where the forty-nine guan comes from?"

Changsun Wuji and others also had this doubt and all looked at him.

Li Mu suddenly realized that it was the problem. He laughed and said, "This is my ability to eat. Originally, it was not easy to talk to outsiders, but Your Majesty and the Duke are not considered outsiders, so it doesn't matter if you say it. Your Majesty, think about it, suppose that one person pays one order for one, one hundred people will be one hundred coins. If all the orders are completed, wouldn't I make 100 coins in vain?"

Changsun Wuji couldn't help but say, "Nothing is so good. If there are two problems with one hundred orders, the one hundred currency you earn will be gone. If there are three problems, you will lose money!"

"It's right." Li Mu said solemnly: "But I want to ask my uncle, how do you know how many problems will occur in one hundred orders? You think it may be three or even thirty, but I think under the operation of the Ministry of Internal Affairs, the possibility of problems will not exceed two, or even one is not one. So did I make this money? Everything is risky, it's like a bet, the courageous ones are to starve to death, the timid ones are to death. I weigh more than 100 kilograms, and I have grown bolder than ninety-nine kilograms, and I dare to do it. I deserve it if I lose it, no?"

Li Shimin thought to himself, are you brave? You are cheating! You just said it clearly, you are using my treasury to endorse my treasury. If you pay it, you will be compensated by my money! Li Shimin was anxious, but he was embarrassed to speak, and kept winking at others, hoping that someone could stand up and break the matter.

Li Mu has just gotten up with Changsun Wuji. Who else can be willing to wade into this muddy water? Only in times of distress can one see the character of his character. At this time, it must be Wei Zheng.

Wei Zheng, who had never spoken, received the look handed over by Li Shimin. He hesitated for a moment, and then said, "Li Mu, you said that the uncle didn't know how many orders would go wrong, and you didn't know either. Before the incident happened, no one knew. But you used the treasury to bet. If you compensated, you would be your Majesty's money. I personally thought that this was inappropriate."

Li Mu waited for this sentence, but his face turned red, and he said angrily: "Old Wei, are you saying I am cheating Your Majesty? When did I, Li Mu, have you ever done a loss-making business? Tang Insurance must make money every day. I roughly calculated that if I get the position, the net profit of hundreds of thousands of yuan a year is no problem. This is the golden idea I have worked hard for Your Majesty, and it can redeem His Majesty the surplus of millions of yuan as soon as possible. I have contributed all my wisdom to Your Majesty. How can you, an outsider, point fingers? What do you know!"

Wei Zheng was used to being criticized by Li Mu, and turned a deaf ear to himself, saying, "I didn't say your original intention was wrong. I was just pointing out the risks. If you think it is good, but if it is not as good as you think, wouldn't it be bad? Everything has accidents, and you can't guarantee that the accident will not happen. If I asked me to choose, I would rather choose a safe way, even if it is slower than take a risk. Now the Tang Dynasty has no time to recuperate, and it is not as anxious as it needs to bet."

"Old Wei, you are even old and brave, and if you don't try, how can you not succeed? I, Li Mu, gave it in vain. I said that if you can achieve success, you will definitely succeed!"

Of course, Li Mu is confident that in his previous life, he could see advertisements pushing various insurances by opening an app. What kind of personal insurance, accident insurance, and disease insurance, you can dare to protect you by 10,000 yuan if you invest 9.8 yuan, and you can dare to protect you by 200,000 yuan if you invest 200 yuan, and you can dare to protect you by 200,000 yuan, a hundred times the coverage. Why do insurance companies dare to have such great confidence? It’s not because the insurance industry is really profitable!

Someone who is interested in the matter has calculated that the profit rate of an insurance giant in the past ten years has reached 109%. Some people may be surprised when talking about this. It is impossible. After all, they have to pay employees a commission and pay compensation. Where does the extra nine percent come from? The answer is very simple. After the insurance company gathers huge amounts of funds, it buys land, invests in real estate, and enters the stock market to acquire shares of high-quality companies. After going around, it will be 9 percent more.

It is impossible for individuals to count the insurance company's million-year annual salary actuary team. Any insurance type has its fee and interest rate ratios that are always controlled by the insurance company, and the insurance company will never make a profit and never lose money.

Li Mu does not have an actuary, but he, a game data balance designer, is the best actuary in Datang. If the Ministry of Internal Affairs controls all order trades, he will be confident that the order completion rate will be higher than 98%, and there will be no problem. It is very simple to operate. If there is a high possibility of a problem with this order, split it up, or simply don’t do it, isn’t it done?

Those who abide by the rules will never be able to play with those who make rules. This is a fundamental rule.

Li Mu is now relying on his knowledge that has exceeded the Tang Dynasty for thousands of years to reduce the dimensions and fight against bullying people. But the monarchs and ministers in the dynasty still cannot see through it. This feeling is really good. He deliberately did not say the matter in detail, which seemed very risky and unreliable. In this way, Li Shimin would inevitably worry. As long as someone asked him, he would take advantage of the situation. The insurance industry naturally fell into his hands and became his golden doll. This is the purpose of his acting like such a big drama.

Now, the drama is almost the same, it depends on how Li Shimin chooses. If he faces risks and still chooses to endorse the treasury, Li Mu has no choice but to admit it. But Li Mu feels that with Li Shimin's character, he will be 90% likely to subconsciously avoid the risks, because he really wants ten thousand cavalrymen too much, and he will still shamelessly throw the blame to himself.

Facts have proved that Li Shimin never disappoints people.

"Okay, stop arguing, what kind of morality!" Li Shimin cut off the two of them and said, "Li Mu, I think that Duke Wei's words are not unreasonable. The Tang Dynasty did not have time, and I did not have time, so I could afford it. I don't understand the insurance thing, and I don't understand it after hearing what you said. Since you think you can make money, it's better to do it yourself. The money you earn in a year is no less than the treasury, and you can afford it. My treasury is for other purposes."

Otherwise, why do you say that you are an emperor? Look at what others say, you say you can make money yourself, and my money has other uses. I just dug a hole. Li Mu, didn’t you say that you guarantee to make money? There is no reason not to do it. If you don’t do it, you are lying. You have to bear the blame for deceiving the king!

Li Mu was secretly happy, but his expression was stiff, as if he didn't expect Li Shimin to use this move, and he was stunned on the spot.

Looking at Li Mu's appearance, he became more determined in the minds of the king and his ministers. Li Mu was not sure about the insurance thing. He was forced to be fooled and wanted to get away with it. Unexpectedly, he was exposed by the wise and just wise ruler and his ministers, and he was completely helpless!

Li Shimin also felt that he had finally won Li Mu and asked him to shoot himself in the foot. Needless to say, he was happy in his heart. If it weren't for the emperor's majesty, he would have laughed out loud at this time.

Li Mu also wanted to laugh loudly, but before the play was finished, he could not laugh, he had to cry, and he could not cry, so he tried his best to adjust his facial muscles and forced his laughter to cry, which led to his expression becoming laughter and crying. His lips trembled for a long time, and he said in a vague way: "Your Majesty, this is the golden idea I have worked hard for Your Majesty. How can I use it yourself? If I make money in the future, I will be embarrassed."

"I am not a person who is jealous of money!" Li Shimin came and shouted: "Great officials come and get the pen and ink. Today, I have made a contract with white paper and black texts, and the three provinces and six ministries will be witnesses. In the future, this insurance will really make as much money as Li Mu said, and I will not take any money!"

Yes, that's it!

Li Mu's eyes were slightly red. Your Majesty, you are so righteous!
Chapter completed!