第七十九章 元奇银票
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大清早，昌隆兴绸缎庄掌柜——三十出头的陈雍康连早茶都没喝就匆匆赶往元奇总号，这几日元奇银行流水一般向外低息放贷，他看的着实眼热，眼下市面上白银短缺，只要能贷出银子来，转手放出去就是厚利。龙腾小说网ltxsba.com
不过，元奇的银子也不好贷，空口白话是贷不到的，要么得有抵押要么得有担保人，而且因为求贷的太多，这借贷还有数额限定，一般是限定五万，他昨日找着十三行的罗林官，好说歹说，罗福泰才点头同意为他担保借贷五万。
赶到元奇总号，大门已开，但柜上却没人，显然是还没营业，不过大堂里已经有七八个商贾了，不消说都是来贷款的，一个小伙计一脸微笑的迎上来，道：“客官是来借贷的？”
“是。”陈雍康连忙点头，没想到元奇的态度如此好，未营业就开大门，而且还有小伙计迎客。
“请问客官是抵押还是担保？”
陈雍康迟疑了下，才道：“担保。”
“客官这边请，还请将您的详细情况、商号、经营情况，以及保人的情况都写下来，小的好方便统计。”
陈雍康点了点头，随着小伙计来到书桌边，提笔将一应情况写下，小伙计看过之后，笑道：“客官，担保的话，要保人亲自前来。”
“知道，罗林官一会就来。”
“客官请这边稍候。”小伙计说着递过一个号牌，道：“请客官套在手上，营业后会按牌号叫。”
陈雍康拿好牌号缓步踱过去，就听的人群中一个伙计朗声说道：“……发行元奇银票，自今日起，但凡借贷，现银与银票按比例发放，按银四票六的比例发放……。”
话未说完，就有人大声道：“用银票放贷？这可真是稀奇事，元奇该不会是没银子了吧？”
那伙计不恼不怒的道：“这位客官说笑了，放眼广州所有票号钱庄，论资本雄厚，哪一家及得上元奇？推出银票，不是现银不够，而是出于需要……。”
“出于什么需要？”
广州票号钱庄但凡规模稍大点的，哪家没有发行银票？发行银票是为了交易方便，结算方便，周转便捷，截止昨日，元奇已经放贷四百万，而且还将源源不断的继续放贷，发行银票，乃是理所当然之举。”
“还理所当然。”那人冷笑道：“发行银票不是什么稀奇事，但借放贷之机强行推行银票的，咱还是头一次听闻……。”
“元奇有十三行鼎力支持，流转资金过千万，元奇银票又不是不能兑现，不过是抓住这个机会推行而已，有什么稀奇的？”那伙计冷声道：“客官若是不认可元奇银票，还请去其他票号钱庄借贷。”
听的这话，众人立时噤声，去其他票号钱庄借贷？眼下广州除了元奇，还有哪家票号钱庄在放贷？更不要说，元奇的利息在所有的票号钱庄中是最低的，而且低的不是一星半点。
陈雍康在心里暗暗盘算，是不是还有必要借贷？外间早就盛传，元奇不认可其他票号钱庄的银票，自然的，其他票号钱庄也不会认可元奇的银票，如此一来，元奇银票的流通就很有限，贷出三万银票出来，若是放不出去，岂不是砸在手中了？
见无人吭声，陈雍康轻咳了一声，才道：“元奇银票不被其他票号钱庄认可，咱们又与十三行没有大额生意往来…..，不知借贷出来的银票是否能马上兑换现银？”
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