Great Tang Southern Emperor

This is also what Wu Meiniang is not happy about - no matter how rich Li Zhen is, if the typhoon comes again several times, he can't afford such compensation, right?

"Now is not the time to be angry." Li Zhen looked at Wu Meiniang's angry expression, amused in her heart, but still patiently explained: "I am the king of Yue, and sometimes I am the governor of the governor's office of Yuezhou, and I am also the governor of Yuezhou. Position. In other words, Yuezhou is my territory, and if something happened to these ships under my rule, of course I have to intervene."

"Then there's no need for us to compensate, right?" Wu Meiniang was still a little unhappy: "It's because they were greedy for cheap and didn't drive the boat into the berth, so why should we pay for it?

The concubine knows that His Highness wants to buy people's hearts, but the price is too high, right?

We are rich, but this example cannot be used. Otherwise, if ships have problems in our ports every year in the future, will we have to pay them every year?

Besides, we have set a precedent here, so what about other ports?They are not as rich as your Highness.

What's more, the government has to pay compensation for the port disaster. This precedent has been set. What about other disasters?

What should I do if the farmland encounters severe drought?

What about the flood?

What about the locust plague?

Do they all need compensation from the court?

Where did the imperial court get so much money?

This is a job that offends people—Your Highness, in order to buy the hearts of the people, you have offended a large number of officials. This is not appropriate. "

Li Zhen grabbed the jade hand of Wu Meiniang, who was a little excited, and explained with a light smile: "Meiniang, don't be like this, in fact, we can't accompany you much. This time, most of the destroyed ships in the Yuezhou port were offshore. Fishing boats or small cargo ships are not expensive, and the most expensive one is only 200 taels of silver. As for those large cargo ships, there are actually very few of them, and we can still afford this amount.

Besides, such a little money is just a drop in the bucket for us, but for each family, it is the lifeblood of survival. Now that these ships are destroyed, their survival foundation is equivalent to being destroyed. A major blow, enough to bankrupt a family.As their parent officer, I can't stand by and watch, right?If I don't do something, my conscience won't let me go.

What's more, you also know that [-]% of the ships in the Yuezhou port are manufactured by my shipyard. These ships have actually bought insurance when they leave the factory, and basically none of them have expired, so Most of the admiration issues for these ships have to be resolved by Wangwang Bank, and what we pay is only a consolation fee.

At most, it is equivalent to about [-]% of a ship - using [-]% of the price of nearly a thousand ships to buy the hearts of the people in a state, this business is too good. "

That's right, the bank at this time already had an insurance business. Don't think about it, this business was proposed by Li Zhen herself. At the beginning, this business was not accepted by everyone.

However, as Li Zhen shifted her focus to Lingnan, some people also followed Li Zhen's footsteps and started offshore trade, and the role of insurance was reflected—with today's navigation technology, a shipwreck at sea is nothing more than normal thing.There are at least dozens of people on a ship, and they are all the pillars of a family. Once an accident occurs on a ship, dozens of families will be destroyed. This is something no one wants to see.

Li Zhen was unwilling.

The sailors themselves were also reluctant.

The chamber of commerce is even more reluctant.

As a result, the wind of insurance is popular in the world.

Chapter 673

Chapter 36

Speaking of which, at the beginning, insurance was not well-known, and later it was a tax. When I was saving money, I talked with the salesman. accident risk.

Later, he went out to sea because the ship ran aground and never came back.In grief, his family took the insurance policy to the bank to cash it out, but the bank happily paid a compensation of [-] yuan. , bought some land outside the city, and became a wealthy family because of it.

This incident spread quickly, and the eyes of those who ran sea business were all brightened when they learned about it—the sea is unpredictable, and every time they go to sea, they are gambling their lives, and no one knows whether they will go back alive. Died accidentally, relying on the little stipend given by the fleet alone, I am afraid that it can barely support the family.

Therefore, after learning of the existence of the reporting service, these sailors bought various insurances at the bank one after another.

Not only sailors buy it, but also some chambers of commerce, after learning about the role of insurance, even pay a huge amount of insurance every time they go to sea, not only personal insurance, but also property accident insurance, etc., are all within the scope of their insurance .

With the insurance in hand, it’s fine if there is no accident, that’s God’s blessing, if there is an accident, don’t be afraid. Although the goods and people can’t be returned, at least you can get compensation from the bank as a comfort.

"However, what do others think?" Wu Meiniang was still a little worried: "We have a lot of money, but other coastal cities don't have that much money. Let them know about your move, Your Highness, and they will hate you to death?"

"That's right, it's true that they can't be subsidized in the name of compensation." Li Zhen thought for a while, and what Wu Meiniang said also made sense.

However, he had to pay compensation—this was related to a big plan of his own.

"Then Mei Niang, tell me, what should we do?"

"Do you have to give it?"

"Yes, it must be given, and at least [-]%." Li Zhen nodded and said, "Because this is related to one of my plans, and it is also to establish authority for Yuezhou Port, let them know our sincerity—I know Now some people are secretly calling me a vampire, because the shipbuilding company I built will not let go of even the smallest fishing boat. As long as they land at the port, even if there is only one fish on board, they will have to pay taxes.

As a result, some small boats would rather secretly find a remote place to land than come to the port to berth.Little do they know that such a move is simply a gamble. Once the sea tide rises or other problems occur, the boats that land on the wild beach are basically lost. For some people who regard the boat as the foundation of their family's livelihood, the bankruptcy of a family has become inevitable.

Now I want to tell them that I built the port not only for tax collection, but also for their own benefit - at least on my site, if your ship has a problem, I can be responsible for compensation..."

"Then use the name of the condolence money." Wu Meiniang said: "No, the condolence money cannot be paid by Your Highness yourself, it must be distributed in the name of the treasury through the route of the treasury."

Li Zhen said decisively: "It's natural, I'm thinking about Yuezhou, what's the point of using my own money? Of course I have to go the route of the treasury."

"Then there's nothing wrong."

But Li Zhen suddenly backhanded to save Wu Meiniang, and said with a flattering smile: "Sister Meiniang, you are awesome, you are a heroine, I admire you more and more now."

"Your Highness...you still have something to do." Wu Meiniang was shocked, and wanted to shake off Li Zhen, but she lost to Li Zhen's strength, so she could only weakly find an excuse.

But where does Li Zhen care about this now?

He chuckled softly: "It's just compensation for work. What's the point of going earlier and later? Sister Mei Niang, just follow me..."

"what……"

……

Wu Du, 40 years old this year, is the sixth eldest in his family, so everyone calls him Wu Laoliu.

Wu Laoliu was born as a fisherman. Because he has been operating at sea all year round, exposed to wind and sun, washed by waves and soaked in water, he is obviously only 40 years old, but he has premature hair and an old face. He looks 40 years old instead of 60 years old. Average age.

Wu Laoliu lost his wife in his early years and raised his two sons alone. However, the two sons did not inherit the family business when they grew up, but worked in the shipyard.

Wu Laoliu is supportive of this. Fishing near the sea, playing the qin and playing the xiao, this only exists in the fantasy of literati. The real life at sea is actually very bitter, and it is extremely dangerous. Shen never came back.

If it weren't for Wu Laoliu's illiteracy and lack of other livelihood skills, he wouldn't be able to make a living at sea.

And because Lingnan is a barren land, the economy is extremely underdeveloped, and some places don't even recognize money, and barter is still the main means of economic exchange.In such a place, it would be hell to sell Yuhuo at a high price.

So the life of Wu Laoliu's family was very hard, but fortunately, the two sons fought hard and studied hard since they were young. The eldest son even passed the entrance examination of Tongsheng. He is already a rare cultural person.Although the second son didn't get any fame in the exam, he is also familiar with the Four Books and Five Classics, which is not bad-at least compared to the surrounding villages and towns where [-]% of the people can't read a word, it is already rare.

Especially after the Yuezhou Shipyard was built, the two sons persuaded them to apply for the job. Because they could read and count, they were directly recruited into the shipyard and became the small boss of the shipyard. The monthly salary was as high as usual. This broken place already has a gold-collar-level income, and it can be regarded as the end of all hardships.

After two or three years of hard work (note: the shipyard was built a long time ago, and it was put into operation before Li Zhen came), both sons became foremen of the shipyard, and their salaries were ridiculously high. Not only did they buy a big house in the city, but they all married wives and had children. Now the grandsons can play soy sauce.

Just a few months ago, Wu Laoliu's two sons really didn't want their old father to suffer at sea any more, so they invited him to live in the city.

But Wu Laoliu had worked hard at sea all his life, and he couldn't live without the sea. In desperation, the two sons pooled money to buy Wu Laoliu a small cargo ship.

Compared with offshore fishing, freight transportation is not only safer, but also not dependent on the weather like fishing. Now Yuezhou is under construction everywhere, and there are many places where large ships cannot pass, so small cargo ships can only be used for transportation. In fact, Yuezhou is also very popular, and there is no need to worry about not being able to get a job.