第六十二章 查漏补缺
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孔建安倒是不太惊讶，元奇银行只要能够生存下来，票号不好说，但广州的钱庄当铺必然是没有活路的，只要有足够的时间，独霸广州市场不是没有可能。
见众人半晌回不过神来，他轻咳了一声，道：“既是不死不休的局面，对方必然是无所不用其极，不跟他们联号，不跟他们有票据往来，不跟他们有银钱往来，都是是必须的。
除此之外，还的处处防备，防备他们伪造元奇的票据，防备他们纵火，防备他们下套让咱们沾上官司，尤为重要的是防备出现挤兑。”
他将挤兑两字咬的分外重，侧首看了易知足一眼，他才接着道：“元奇贴票的利息太高，月息已高达两分之上，广州票号钱庄当铺印局合在一起，少说也有一千多家，能调拨的现银至少能达六七千万两，要挤兑跨元奇，可谓是轻而易举，这一点，大掌柜不可不慎。”
易知足点了点头，道：“提醒的是，别说六七千万两，一千万两就足以撑坏咱们。”略一沉吟，他才道：“贴票利息确实过高，总督府已经限制了咱们大额存款的利息，暂时不得高过一分二厘，不过，贴票既已推出，为着声誉考虑，也不宜马上停止，各分号贴票，售满五万元，便停止发售。”
这高息贴票存款，易知足是专门给兴泰行的，严启昌如今要银子要的急，别说二分息，三分、四分他都敢收，不过，易知足也不敢多放，有四五十万足够兴泰行喘息了。
“大掌柜。”林南海开口道：“存一贷二既利于咱们元奇，也利于存款的主顾，不过眼下的情形，得防备他们钻咱们的空子，利用存一贷二来打击咱们。”
“提醒的好。”易知足笑道：“存一贷二有限制，一则放贷数额有限制，千两为顶，这是总督府定的，再则，存满三月，才能贷款。”说着，他用征询的眼光看向众人，道：“三月足够了罢？”
孔建安含笑道：“三个月刚好，短则不足以防范他们使坏，长则有损主顾存款的兴头，不过，小心驶得万年船，如今情形特殊，存一贷二，最好还的有抵押和担保。”
易知足点了点头，道：“存一贷二，既是为了吸纳存款，也是为了扶持中小手工业者、作坊、商铺以及平民百姓应急之需……。”
沉吟片刻，他才接着道：“这样吧，十元以下的，就凭信用放贷，不过，要验看户籍，详细登计客户资料，再则，抵押面也不妨宽松些，房产、地契、物件、商铺、田产、作坊等等都可以作为抵押，评估作价跟市价平齐。
另则，对所有存款、借款的客户，都必须建立详细的档案，给他们信用评级，级别高的，放贷数额可以放大，反之则降低，失了信用的，终身不放贷。”
设立档案，信用评级？孔建安眼睛一亮，笑道：“这法子好。”
易知足吸了口烟，缓缓吐出道：“你说的防火和沾上官司是怎么回事？”
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