1705:长期计划
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“他们为什么要这样做这不明摆着亏本吗”郑志宇迷惑不解地看着钱谦，问道.
“起初下官也是这么问我那位亲戚的.”钱谦笑道:”后来他给下官解释一番，下官这才明白过来.明国现在有两大银行，一个是昌隆，一个是官办的太平，除了这两个巨无霸之外，这两年，又陆陆续续地冒出了一些小型的银行，说白了，就是我们的钱庄.他们之间是存在着极为激烈的竞争关系的.”
“太平银行是大明官办银行，还怕与这些私人钱庄竞争”郑志宇不屑地道.
“明国与我们大齐不太一样.”钱谦讪笑了一下，”在明国，私人银行的经营手段更灵活，收存款的利率更高，贷出去的条件也更活络，所以真竞争起来，太平还真不是对手，也就只能在大方向上利用掌握制定政策的优势打压一下，但昌隆银行也是有着极大背景的，像明国前户部尚书苏开荣，现在便是昌隆银行的顾问.而他的儿子苏灿，又是明国太平银行的掌舵者，他们之间的关系极其复杂，是既竞争又合作的关系.所以即便太平银行想要打压昌隆，却也是力不从心.”
“或者是不愿意.”郑志宇笑道:”也不知那苏氏父子从中捞了多少好处”
“这个是当然的了.”钱谦笑道:”这些银行为了吸引更多的钱钞从他们的银行流动，增加存款，便不择手段地采取了这样的措施，大人您也知道，我们大齐在那里活动的商人，可都是大家伙，拉到一家，那就是不得了的流水啊.”
“那他们怎样赚钱呢这一成的差价，可不是好玩的.”郑志宇沉吟道.
“他们有了更多的流水，更多的存款，便能将更多的钱贷出去，明国普通的贷款利率是两成，如果是风险较高的像海贸，利率更高，最多的年利率高达四成，他们是这边亏，那边赚，而且是大赚啊.”钱谦笑道:”商人，怎么肯做亏本的买卖”
郑志宇连连点头:”那你的意思是”
“大人，既然明人开了这个口子，我们不利用一下，那简直是没有天理啊!”钱谦笑道:”下官想加大铸钱的数量，然后拿着这些钱去明国的银行兑换，再拿着这些兑换的明钞去明国购买货物运到国内来出售，这样里里外外都赚钱啊!”
郑志宇捻须不语，钱谦话里的意思，重点当然是前面那一段.
“现在铜矿的产量跟得上”
“跟不上.”钱谦摇头:”即便是正常的铸钱速度也跟不上.”
“那你这不是白说吗”郑志宇翻了一个白眼，不满地看着钱谦.
“大人!”钱谦意味深长地道:”既然是拿出去赚钱的，这钱的成色，好不好又有什么关系呢现在我们大齐的制钱是铜七铅四，那么将他变成铜六铅五，甚至于对半，短期之内，也不会有什么两样的.我们甚至可以用铜夹铁来铸造也行啊.”
郑志宇悚然而惊:”这可不是小事，一旦传出去，那是要掉脑袋的.”
“大人，只要您替皇帝赚回无数的银钱，将朝廷的库房堆满，皇帝会在意您的钱是怎么赚回来的吗”钱谦笑道.
“这事儿，我要好好考虑考虑.”
钱谦深知郑志宇的性子，既然他说要好好考虑考虑，那这件事便已经有了八成的把握了，站起身来，含笑告辞，不过他离去之后，在他坐着的椅子上却多了一个信封.上来收拾茶盏的管家身子走过，这个信封就不见了踪影，显然是做惯了这类事情的.
越京城，大明皇宫.苏灿正与秦风相对而座.秦风一边慢慢地品着茶，一边听着对面的苏灿口沫横飞地给他上着一节全新的关于经济入侵的课.
“陛下，人心本来是逐利的，或者说是逐欲的.只不过不同的人追求的有所不同罢了，世人都说商人逐利，其实其它人，又何尝不是一辈子都是追逐自己的欲望呢有的人追逐财富，有的人追逐权利，有人的追逐名望，就算是那些自命清高隐居山野的人，他们所追过的这种安逸，难道不也是另一种欲望吗”
“说得很有道理，不过这跟你的经济侵略新政策有啥关系呢”秦风笑问道.
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