第287章 张三开的，朝廷为何开不得？
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但这利息也只有放贷利息的一二成而已。
张超这边拿一分两分的利息吸引百姓手里的闲钱存进去，然后他转手就把这些钱以七八分的利息再贷出去，空手套白狼，借鸡生蛋，这招玩的多溜啊，充满张三的风格啊。
“张记钱庄还有存折、庄票？庄票都已经是不记名有固定数额见票即兑？”
李世民敏感的发现这里面有问题。
这庄票岂不成了纸质的铜钱？成了可以流通的货币了？
若是张记到时多开几家，甚至洛阳、太原等各地大城都开上那么一家分号，那到时岂不是凭着一张票，就能不带钱帛走天下，随时可能兑取？
李世民越想，越觉得这张记钱庄厉害，更觉得这庄票厉害。
大唐立国数年，也统一了天下，得了不少隋朝的府库，但天下动荡多年，钱币混乱。大唐去年特意铸造了新铜钱，开元通宝，停止其它旧五铢钱等铜钱的流通。
但这也出现了一个问题，就是开元通宝的数量有些少，就算铸钱炉不断的铸钱，也还是难以满足需求。因此只得又以绢来做为货币，甚至规定超过十贯钱以上的交易，就得用绢，不能用铜钱。
但同时又有许多人把铜钱储存起来不用，还有些人把铜钱熔了铸铜器而获利，导致朝廷的钱荒越来越严重。
先前还有许多旧钱流通，这种情况不这么明显，可现在朝廷兑换收缴旧钱熔铸新钱，一边是那些不法之徒把新钱熔铸铜器，还有许多人把新铜钱窖藏不用。
市面上旧钱不断出现，朝廷不断收，不断铸。
旧钱大量减少，新钱却也在不断的减少流通，朝廷拼命铸铜钱，可流通的开元通宝反而越来越少，导致就是如今的物价也变的很奇怪。
早两年，是物贵钱贱，现在却反过来，变成了物越来越贱，钱却变的贵了起来。
表面看，各种物价跌了，好事，但实际李世民却也知道些内情，百姓手里没钱可用了。大宗交易还好些，能用绢，有时还能用金银。但平时的小额交易，百姓手里都没铜钱，又可不能把绢零的裁减。
这就使唤得物价在不断下跌，但实际上大唐远还没有到物资充实的情况。
物价跌，不是物产多，而是大家突然间手里没铜钱，买不了。市场上，现在甚至都开始重现以物易物了，虽说还没到一种极为严重的地步，但苗头却很不好了。
因此现在朝廷都有大臣请求暂时不要禁止旧钱流通，不要熔铸旧钱等议，还有人提议要铸大钱，以一当五当十，甚至有人提议铸金钱银钱铁钱。
“玄龄，你说如果朝廷开一家钱庄，然后发行庄票做钱币，你觉得可行吗？”
房玄龄不由的脸色大变，“殿下，万万不可啊。”
“为何不可？既然张三的张记钱庄可以发行庄票，还不出乱子，这么红火，那朝廷为何不可呢？”
房玄龄叹道，“张记钱庄，那是私人所有。他发行庄票，那都是有本钱的，就算多发一点点，也是在控制范围之内。甚至就算张记超发，多发，可一旦出了乱子，也有朝廷会马上收拾烂摊子，到时查封张家一些产业，一样能把这窟窿填上。可是殿下，你想过没有，若是朝廷也搞钱庄，也发行庄票，发行这种纸线，你觉得天下百姓会信吗？最重要的是，如何保证朝廷不会多发滥发呢？而一旦若是出现了信用兑换的问题，谁来给百姓们填这窟窿？”
李世民脸更黑了。
这是什么道理，难道他张三开的钱庄，我李二就开不得？他开了就正常没事，朝廷开就一定不行？
但静下心想想，房玄龄的话也有道理。张三开钱庄发庄票，还有朝廷在后面盯着呢，不敢乱发庄票。可若朝廷来开钱庄，可就难保证不会乱印乱发了。
哎，道理是如此，可想想就不舒服啊，凭什么他张三做的事情就都是对的呢。
“玄龄啊，你说我在洛阳也开一家钱庄，你看如何？”
房玄龄无语，你堂堂秦王缺那点钱吗？缺吗，缺吗，缺吗？
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