第995章 国立银行和高薪养廉等计划！
最新网址：m.ltxsdz.com
要知道，在中国当官和经商，基本上都是要依靠人脉和关系行事的。
这放在后世也不另外！
想想看，你当个官，工资少可怜。说出去好听，但其实生活只勉强温饱而已！
而，做官员要想升官就必须搞好同僚和上司之间的关系，官员间的人情开销是古代官员最大的开销。还有雇佣仆役，轿夫，丫鬟，还有师爷幕僚，这些在明代都是官员自己出钱的。
还有一些读书人是靠家族供养的，做官后还必须供养族人。否则，就会说你人品不行，这在后世最多别人骂你几句。可在古代，可是真会要命的！
并且，明朝官员的俸禄是按照白银，宝钞，禄米三部分发的，其中宝钞严重缩水。他的俸禄计算下来连一家子温饱都难以满足。
当然如果坚持认为做官的全家只要有饭吃，不穿衣服光着屁股出门（因此省了除吃饭外的其他开支），那也是一个说法吧。
只是，那样一来，还当个屁的官？
按照陋规，衙门的一切开支都是铺户承担的----当然这是陋规，海瑞是以反陋规出名的，因……
经常有现代学者对外宣称，明代只需要15两就能维持一家人一年的生活，这其实是不现实的。特别是明朝后期！
以明代生活较差的卫所军屯户为例，军屯一分（50亩左右），负担为屯田籽粒12石和交验粮12石，后者是军屯户一家4口的口粮。
军户在为卫所服役被视为纯役，用于抵消在原籍军户家庭所获得赋税优惠---因此卫所军户被视为纯当差，不领取薪水只领取口粮）。
一家四口一个月12石的基本生活费，即便是明朝早期也至少需要4-5两左右的白银！
明清官员都不是靠俸禄生活的，如果严格靠俸禄生活（如海瑞那样），搞不好真要饿死人。最好也不过勉强混一个，和庄户差不多的生活条件。
海瑞那样为母亲祝寿才买2斤肉，在官场是笑话，但是却是普通庄户（小地主）生活的真实写照。
所以，为了生活，明朝官员以前只能是贪污成风，哪怕会杀头也是怎么拦也拦不住。
（如果这种当官环境，换我，我也贪污！）
想要尽可能的减少贪官污吏的存在，只有一个好的制度，才可以慢慢做到。
做为后世穿越者，朱子龙深知，必须要多管其下，要让官员不想贪，不能贪，不敢贪。这就需要制度上的完善才行！
第一，所谓不想贪:可以通过提高官员的待遇，来解决很大一部分难点。
就好比宋朝时的包青天，你真以为他不想贪污？人家的合法工资收入高达年入千万，还有必要贪污？
第二，所谓不能贪:这个就需要制约机制，要让官员没办法贪。比如实行家庭财产申报制度！
第三，所谓不敢贪:就是要让贪污有高风险。
比如说，朱元璋的杀，杀，杀。这个其实不错，只是他没有做到同时，前面两个也搞一搞。
当然，你可能会说，没有根治的方法，高薪养廉也是治标不治本，杀也是治标不治本。
可是，人类社会体制内，还有更好的方法吗？
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