In the Yingyang and the Heshunxing semicolon, in the conference hall, several men were gathering in a large picture and discussing the current situation of the Yellow River. From time to time, they picked up pens and wrote on paper, or moved the abacus.

The information they were in hand came from the government, which recorded the hydrological data of the middle and lower reaches of the Yellow River, Yongji Canal and Tongji Canal, all of which were counted in recent days.

It has been five days since the Yellow River lock of Tongji Canal opened and diverted floods. In the past five days, the water level of Tongji Canal has gradually increased, but it is still within the safety line. The water level of the Yellow River has also risen, but the increase rate has slowed down.

It is obvious that with the opening of Tongji Canal and Yongji Canal to divert floods, the water conditions in the lower reaches of the Yellow River will improve slightly, but as long as heavy rains fall again in the middle reaches, the increase in the Yellow River water level will inevitably recover.

Of course, the statistics on rainfall in various places will be delivered to several insurance companies such as Heshunxing in a timely manner. Although they are private trading companies, the benefits of being hard-working are undoubtedly revealed now.

Obtaining hydrological data from the government is not a leak. After all, various trading companies are spending money (raising funds) to buy data. When the Yellow River is about to flood, their "selling insurance" behavior has some effect on stabilizing people's hearts, which is something that the government is happy to see.

Natural disasters cannot be fought against by human resources. If there is a flood, the victims who suffer major losses have no choice but to cry. However, people holding "insurance policies" in their hands can also claim compensation. They will feel better, and their anger will naturally not be so great.

The trading company has obtained "real-time data" and can better conduct "risk assessment" and take various response measures in a timely manner.

People who are now in the conference hall are all the "technical backbones" of several insurance companies, jointly conducting "risk assessment" and prediction of the current water conditions of the Yellow River, especially to judge when and where the flood peak appears.

Flood peak is a hydrological word, which refers to the highest point in the water level or flow process of a flood or the entire flood season when a flood breaks out. It is figuratively a big wave.

The river embankment of this big wave faces the greatest test wherever this big wave passes. Once it is over, the local government can breathe a sigh of relief. If it cannot survive, the dam will collapse and the flood that breaks into the mouth will flood everything.

Therefore, how to predict the location of the flood peak and the possible time passing through various places is what the government needs to do during flood prevention and flood control.

The emergence of flood peaks is related to river water level and flow rate, and requires a large amount of "real-time data" to judge, but the premise of everything is to have a basically complete hydrological observation system.

Since the first year of Mingde, the court has invested a lot of manpower and material resources to build a systematic hydrological observation station, making it possible to observe flood peaks during the flood season of major rivers.

But it is only possible, because this requires local observation stations to continuously observe hydrological parameters (water level, flow rate, etc.), so that the government can barely judge where the flood peak appears in the river that is flooded, and its movement speed can only be estimated.

Overall, the current hydrological observation system predicts the flood peak less than a few days earlier. If the river embankment in a certain section of the river is indeed not good, even if the government knows in advance that the flood peak is about to pass through, it will not be able to reinforce it to the extent of withstanding the flood in a short time.

Even so, it is very beneficial for trading companies engaged in insurance business to predict the location of the flood peak.

Of course, trading companies such as Heshunxing dare to take the "insurance" job, of course, not just because they are brave and have no special skills. No one can afford such a job, otherwise they will go bankrupt sooner or later.

One of their confidence is to calculate.

To be precise, it is a complex arithmetic. Selling insurance is like gambling, but it is not just gambling. First of all, the trading company must have a backer and can also effectively conduct "risk assessment" to formulate corresponding "odds".

"Risk Assessment" not only relies on experience, but also involves the collection, summary and calculation of a large number of numbers to roughly estimate various risks, then define different risk levels and formulate different "odds".

Through comprehensive means such as arithmetic, we ensure that the trading company avoids large amounts of compensation in the business activity of "selling insurance", and as long as we make precise arrangements, profits can be ensured.

Now that the rain is still falling, flood prevention is still being taken. At this time, many owners who are worried about their own estate are potential customers who are likely to purchase insurance. Therefore, for business companies such as Heshunxing, how to better make money from owners who treat them as fools is a business opportunity that must be seized.

The key point is the flood peak.

As long as the flood peak does not appear for a day, it means that the risk of flooding in the lower reaches of the Yellow River still exists. As long as there are risks, there will be business opportunities. Merchants selling insurance must seize the business opportunities and must seize the opportunity of the flood peak.

So, has the Hongfeng appeared?

No.

Although the Tongji Canal and Yongji Canal have opened gates to divert floods, although the water level rises in the Yingzhou section of the Yellow River has slowed down, it is still rising. There is still sporadic rainfall in the upstream areas, and it seems that the water level is still rising.

Several large dams (reservoirs) along the Tongji Canal have now begun to store water. After a while, in order to ensure the safety of the coastal areas of the Tongji Canal, it is likely that the torrent flow of the Tongji Canal will be reduced, and the same is true for Yongji Canal. At that time, the newly added Yellow River water will only go downstream.

At that time, in order to take the overall situation into consideration, the imperial court will open the gates to the flood discharge area to discharge floods.

By then, all trading companies will have to "pay claims" for insurance for sale in the flood discharge area.

Will such a result occur?

People who are studying the water conditions of the Yellow River do not know yet, because the power of heaven is unpredictable, and it is not something that ordinary people can ask about how much rain it is.

But they have confidence in the water conservancy facilities built in various places and the court's determination to prevent floods and fight floods.

Also have confidence in your previous judgment.

Trading companies that started out with maritime insurance have become accustomed to "playing with heartbeats". Compared with the huge risk of navigation, the risk of heavy floods in the Yellow River is like that.

Since they can make money from marine trade insurance, they can naturally make money from the water of the Yellow River. As long as the final result is not that the lower reaches of the Yellow River are all vast, the various trading companies will not lose money.

This is the charm of insurance, which is very exciting, but it is not just gambling.

When the Yellow River floods, it has become a well-known "fact". If someone sells "insurance", then for the owners of manors everywhere, this is a fool who sends money to the door. There is no reason not to take advantage of it.

What the other party is concerned about is "compensation", while the trading companies are concerned about the other party's "premium". After calculating each other, it seems that opportunities are equal, but the trading companies that have done "risk assessment" in advance and carefully formulated "odds" will definitely not lose in general.

How to make a lot of money by selling insurance, but a profound knowledge, many people do not understand the truth, and they think that trading companies such as Heshunxing are bold gamblers, but they do not know that times have changed:

Selling insurance is exciting, but you can make a lot of money!

While the discussion was under discussion, someone rushed over and brought the latest news: There was a large-scale rainfall in the Yongji Canal Basin area in Hebei. In order to ensure the safety of the canal, the Yongji Canal Transportation Department has closed the Yellow River lock of the Yongji Canal and stopped flood diversion.

The heavy responsibility of flood diversion in the lower reaches of the Yellow River is now basically under the "shoulder" of Tongji Canal.
Chapter completed!