第五百六十九章 求救
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明朝从洪武年就发行宝钞，高一尺，广六寸，桑皮纸制成，是世界上最大的纸钞。龙腾小说ltxsba.最开始宝钞还算坚挺，随着滥发纸币，钞法崩溃，大明宝钞就变成了比擦屁股纸还不如的废物，到了正德年间，明朝停止了发行。
毫无疑问，大明宝钞不算是成功的纸币，可是从大明宝钞的发行，一些聪明人还是窥见了纸币的好处。尤其是这几年随着张恪在辽东废两改元，在东南开海，商贸空前繁荣，贸易频繁交易，催生了对金融的强烈需求。
范永斗也一直在思考这个问题，当张恪说出要建立全国银行，还要让各个衙门在银行设置专门账户，他豁然开朗，一直思考多年的难题终于有了答案。
前所未有的财富大门正在打开，范永斗激动地浑身颤抖，甚至都忘了饥饿。
他甚至有些后悔，若是张恪早早说出来，他还会冒险和张恪做对吗，说不定双方早就握手言欢，携手干这件堪比开天辟地的大事情！
看着范永斗激动的神情，张恪暗自冷笑，范永斗肯定能明白他的打算，只是可惜，张恪要借助晋商的力量，但是绝不会被晋商挟持。更何况他们一定要为自己做下的罪孽负责！
“范永斗，你对本王的设想有什么想法？”
“天纵英明，无与伦比！”范永斗激动地说道：“小人以为此事可以分为三个步骤。第一是建立起银行，在两京一十三省开设分行，取代钱庄票号。广泛吸纳存款。接着让各个衙门把开支银两都存进银行，树立起信心，逐步推行银元，替换银两，如此一来，无形之中，就有三成的利润落到了银行手里。最后甚至可以发行银票。代替银元，到那个时候。一张纸转手就是十两，百两，甚至千两，万两！点石成金也不过如此！”
啪啪啪！
张恪也不由得鼓起了掌。范永斗这家伙真是一个天才，比自己想的还要长远，竟然将现代的金融体系勾勒出来。在这一刹那，张恪甚至有些动摇，这样的人才杀了真有些可惜……
“说的不错，可是一旦吧衙门的开支放进了银行，就等于让天下的官吏失去上下其手的机会，火耗银也从他们手里落到了银行，只怕这些人会强力反对。”
范永斗还在激动之中。笑道：“不要紧的，天下的衙门，从京里。到州城府县，几乎都有拖欠债务。再有，不妨告诉王爷一个秘密，我们这些商人何以控制百官呢？”
“愿闻高论。”
“呵呵，说起来也简单，三个字：烧冷灶。他们还是穷书生的时候。就拿钱资助他们，让他们考上科举。取得功名。进入官场之后，甚少立刻发迹的，如果分到了清水衙门，还要靠着借贷过日子，这时候我们就伸出援手，送银子，送粮食，甚至送女人，雪中送炭，解决燃眉之急。还有一些官员已经身居要职，或是执掌地方，他们也会遇到麻烦，我们就出银子，帮着他们摆平事端，升官发财。如此三步，从最底层的末品小吏，到六部九卿，内阁学士，全都有把柄抓在手里，他们还不乖乖听话。我们自然能畅行天下，所向睥睨……”
说到这里，范永斗老脸发红，按理说他们的手段已经到了任凭风浪起稳坐钓鱼船的程度。谁知竟然出了张恪这么个怪物！
年纪轻轻身居高位不说，手上人马无敌，还拥有惊人的财力，甚至不比他们晋商差。人家军，政，财，三力合一，他们只占着财和政两样，现在想来，败了一点不冤枉。
张恪看着垂头丧气的范永斗，突然笑道：“没想到你们手上还有这么多官员的把柄，再加上债务，这两项压顶，不愁他们不就范！”
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