C1743

After seeing off the two elders, Xiao Peng felt refreshed. He didn't expect that they were so reasonable and did not force himself. He didn't want to upset himself, did he?

If the two elders knew what he was thinking, they would certainly scold him - not because they wanted to be reasonable, but because they really couldn't take Xiao Peng. If Xiao Peng could be arrested without delaying the supply of health potions, they would have caught Xiao Peng long ago!

Better than keeping him!

"This is life." Xiao Peng was lying under the sun umbrella drinking juice, watching Eminem and their motorboat surfing and sighing.

At this time, the next phone rang, Xiao Peng picked up the phone and said happily: "boss Li Bing, how do you want to call me?"

As a result, Li Bing's words scared Xiao Peng: "deputy, some people want to charter the ocean park. Do you think we should receive or not?"

"What are you talking about? Charter? Who's so cool? " Xiao Peng asked curiously.

"What's the name of a star country cosmetics company? Jess? Do what anti-aging health products company. If we directly organize 30000 tourists to visit us, shall we receive them or not? It's not that we don't have enough reception capacity here. It's just that once we get down so many places, it's a chartered venue. I'm afraid, "Li Bing asked.

"Wait a minute." Xiao Peng asked Amelia, who was sunbathing nearby: "do you know a cosmetics company called Jess? How can I hear names so familiar? "

Amelia laughed and said, "did you forget? On Nicholas Cage's body, that fat, red haired old lady wants you to be the spokesperson? That's their company! "

After hearing this, Xiao Peng returned to his mind: "Damn, it's them!" He picked up the phone to Li Bing and said, "how much money do not need to bird them. Get them out of here! No reception! In the future, the company will not accept any business orders. "

Li Bing asked curiously, "deputy, this list is not small. Our ocean park has the reception capacity. You see

Xiao Peng shook his head and said, "I won't take any money. I'll explain it to you later. "

Li Bing said, "OK, I know what to do!"

Amelia was puzzled and asked, "honey, why don't you receive this client? Is that a regular company? "

Xiao Peng shook his head: "the national conditions are not the same. Your" regular "in China does not mean that it is also regular. Companies like them are not formal in China. "

Emilia frowned after hearing this: "actually, they still contact me. Some time ago, they sent me an email to tell me that their company is developing very well in China. He said that the prospect of organizing tens of thousands of employees to travel abroad some time ago is optimistic. Let's consider the cooperation with him. Isn't it developing very well

Xiao Peng shook his head after hearing this: "good, what's good? Companies like them are legal in xingtiao country, but in China, it's called "mass marketing!"

In xingtiao country, if a stranger's neighbor invites him to visit his home, he or she will be preaching or preaching and marketing. There is no third possibility. There are no 100000 or 80000 such companies in Singapore. Jess is one of them.

The company was founded in Orlando, Florida in 2009. Its name means youth in French. Its main product is so-called "anti-aging products". The first year has not been profitable, five years later, the annual sales volume reached one billion dollars!

The boss naturally made a fortune, and then began to expand overseas markets, entering 140 countries and regions, including Huaxia.

After the company was set up in modu in 2015, the slogan is "century brand". I don't know how the five-year-old company has become a "century brand". However, in China, people are willing to make efforts to invite stars to publicize the company. For example, the wife of the rock singer who sang "grey aunt" spared no effort to publicize it.

Some people will say that this is a legal "direct marketing company"?

I'm sorry, it's really not. They don't have the "direct sales business license" at all, and they don't have the food import qualification. However, it doesn't delay them to sell their products to countless Chinese people.

CCTV twice called them by name and criticized them as a fraud. As a result, they didn't delay people's earning money at all. They just chose to sell their products in e-commerce instead of physical stores.

Of course, there are many problems for them now. First of all, in xingtiao country, they face a penalty of at least US $250 million for suspected fraud. In fact, their flagship product, resveratrol, stopped the research of this project as early as 2013 because of academic fraud.

Maybe it's also because they know the problems of the products, so Jess has set up a standard of grade. As long as people who meet the level will organize travel. Last year, for example, they promised to invite employees to travel to Switzerland as long as they met certain standards. This incentive system directly increases their sales.

Of course, Jess didn't just go away with a ticket. This year, he organized 12000 Chinese employees to travel to Switzerland. However, according to the current situation, I am afraid the company will "die" in this trip.Because the impact of this trip is so great.

This group went directly to Lucerne, Switzerland, and there were only 80000 people in Lucerne......

Because there were too many people to go this time, special police were arranged to maintain order in the scenic spots, restaurants, coffee shops and other places.

This Jess still doesn't know about Huaxia. He doesn't know that in China, it's all guns that shoot the birds. Didn't you see that Xiao Peng was trying to keep a low profile?

Amelia asked Xiao Peng curiously, "honey, I have something I don't understand all the time."

"What's the matter?" Xiao Peng asked

Amelia said: "China is now so well-developed in the Internet, information dissemination is also very fast, and your country has made great efforts to crack down on the dissemination and marketing, but why is such a thing repeatedly prohibited in your country? So many people are cheated every year? "

After hearing this, Xiao Peng burst out laughing: "cheated? Honey, how old is it? How many fools are there? Those are smart people. "

"Are the wise still fooled?" Amelia asked, puzzled.

Xiao Peng nodded: "everyone on earth knows that this pyramid profit-making model is pyramid type, that is, the closer you are to the top of the tower, the more likely you are to make money. Those smart people think that they are the people at the top of the pyramid. If they make money, they hide it in their pocket and continue to cheat others. If they don't make money? It's like a victim crying in front of the camera lens, trying to recover the loss - there are not so many fools these days. It's all these smart people who are cheated. "

Emilia frowned and said, "do you mean to do it even if you know it's cheating?"

Xiao Peng snapped his fingers and said, "you are right. Although I don't want to admit it, now this society is far from being as kind as imagined."

Amelia shook her head. "I don't understand why. Isn't this the trust of consumers and people? I don't understand things like that. "

Xiao Peng said: "what can't be understood? Since you were young, you did not know the psychology of the poor. Why has Huaxia developed so fast these years? To be direct, everyone is afraid of poverty, and no one wants to be poor again! Therefore, the desire of Chinese people to earn more money than anyone else, and the speed of development of this country naturally exceeds that of any other country. In some people's eyes, as long as they can earn money and reputation, they can stand aside. "

Emilia blinked. "That's absolutely extreme."

Xiao Peng laughed after hearing this: "am I extreme? Let me give you an example. Do you know why old pan is so angry about high jump recently

Amelia thought, "it's like insurance?"

Xiao Peng nodded: "yes, our ship is insured, but the other party does not pay compensation. And according to the agreement when the insurance was purchased, it should be paid completely. "

"Then why don't you go to them?" Amelia asked

Xiao Peng shook his finger: "it's very simple. They dare to say so. There must be loopholes in the clause. It's no use looking for them. Is insurance a good thing? It's really a good thing. Everyone can't do without insurance. Everyone knows this. But when people talk about insurance practitioners, many people don't have a good impression. Why is that? "

Emilia shook her head and said that she didn't know. Xiao Peng explained: "it's very simple because some insurance practitioners want to make money, so they exaggerate the insurance effect, and finally cause the insured to be cheated. There are too many things like this. Those insurance practitioners sign a single take a single Commission, sign a large order and directly take the money to leave. Just like my ship, the insurance premium in a year is about 800000 yuan. It is not a problem that the insurance practitioners earn more than 100000 Commission. Now he can take the money to leave. Anyway, he has made money. Who is the bad luck? Naturally, I am the insured. If there are many such things, who can have a good impression on insurance? It's all caused by the "smart people."

After listening to this, Amelia pondered for a long time: "insurance companies employ people like this, which is not responsible for their company's reputation."

Xiao Peng said with a smile, "yes, but what are insurance companies afraid of? They come in strict accordance with the provisions of the contract. If you have any grievances, you should go to the insurance broker who will take out insurance for you. Moreover, the current insurance practitioners are not their employees, they are called "cooperative relationship". Insurance companies are never responsible. What are they afraid of? They would like to have more of them, because they are more able to sign orders. It will help their performance even more. "

Amelia was puzzled and asked, "is there nothing we can do for them?"

Xiao Peng nodded: "otherwise? You see, old pan, you can't help being so angry? "

"By the way, where's old pan? I haven't seen him all day. "

"Oh, he went to surrender."

No matter how well-known the insurance company is, it will always be one of the richest enterprises. It's a universally accepted fact, because no one doesn't need an insurance.

Just like Xiao Peng, the company they insured was owned by a company in a 30 storey office building in the city center. This shows how profitable the insurance company is. There is no business in the world that can make money without losing money, but insurance is definitely the closest one among them.In fact, the insurance company is like a banker in a gambling house. The policyholder gives his insurance money to the insurance company. It looks like he is gambling with the insurance company: is it out of danger? That is to make money. If you don't get out of danger, it's a loss.

In fact, insurance companies are more likely to win than bookmakers in casinos. Because the insured is not gambling with the insurance company, but gambling with other policy holders. The insurance company is a transit station, for example, it received four people's insurance money of a, B, C and D. if a had an accident, it would have compensated the insurance money of the three people to him. He didn't pay anything at all. What's more, insurance companies also have the right to adjust the premium. Just like auto insurance, cars that have been involved in traffic accidents will be charged higher premiums, so as to reduce the risk and probability of their own accidents and realize the surplus.

And the cost of insurance is calculated by actuaries to calculate the probability of risk occurrence to obtain cost data. Let the insurance company avoid the risk as much as possible.

In addition, insurance companies have a profit model, that is investment.

There is a time difference between the moment insurance money enters the insurance company and the end of the insurance period. The insurance company can take these money to invest, and then the proceeds are given to the insured in proportion, which is the so-called dividend insurance.

With the most vivid explanation, the insurance company can be regarded as the owner of a mahjong hall. All the policy holders play mahjong inside, and the insurance company is responsible for serving the Bureau. No matter who wins or loses mahjong players, he can earn a platform fee in the end. Later, the insurance company felt that the money earned was too small, so sometimes he went up to play mahjong, because he played mahjong, so he would win as long as he played mahjong. However, this kind of thing was a bit of a blow to his own signboard, so he seldom did it Think of another way: invest the money you have temporarily deposited with him in business. After finishing the business, if you make money, you will share some money for cigarettes and drinks, and you will be dismissed.

Can such a business not make money?

So the insurance company is a model of wealth!

After all, Huaxia played finance late. So there are only 12 insurance group holding companies in the mainland. Most of the insurance companies in China belong to them. At present, there are only about 120 insurance companies in China.

The reason why we say "only" is that compared with developed countries, the number of insurance companies is really too small. Let alone Hong Kong Island, where there are more than 160 insurance companies.

But half of the 12 insurance group holding companies have entered the world's top 500! The rest is not much worse!

Insurance companies, nothing else, but money!

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