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第一五三章 金钱帝国(求订阅和月票)

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沈溪想了想该如何措辞,才回答:“姨,我听说江南一些地方,银钱和铜钱要兑换,得去找钱铺。咱开银号,要是百姓用银子兑换铜板,或者用铜板兑换银子,都可以到银号来,咱收一点点手续费或者是折色费,岂不是很好?”

周氏皱眉:“老百姓大多是用铜钱的,哪里会用到银两?”

明朝中叶,盛极一时的大明宝钞严重贬值,虽然到弘治年间尚未废止,但民间对于朝廷发行的这种纸币已完全不认可,加上正统年间以后银禁令松弛,市面上铜钱和银子可以同时流通,各地已经相继有银号的雏形出现,那就是钱铺,给地方百姓和商人兑换银钱和铜币。

闽西地处偏远,这种新兴行业尚未流传过来,加上此时的钱铺并没有存钱放贷的功能,盈利模式很单一,稍微的市场波动就可以令钱铺倒闭。

惠娘听到沈溪的建议后没有反对,向周氏解释:“姐姐不知,听那些南来北往的客商言及,南北两京还有南方的苏、杭等地,都有钱铺的存在,主要是做大客商的生意,毕竟铜板多而沉,商贾运送货物尚且不便,何况要捎带那么多铜钱?来往客商大多以银子交易。现在咱有商会作为依托,倒可以尝试在洼府城开一家钱铺。”

“不是钱铺,是银号。”沈溪纠正。

惠娘不解地问道:“有什么区别吗?”

“当然有区别了。要只是开钱铺,就算能帮人把铜板兑成银子,又或者把银子兑成铜板,可银子折色问题很严重,稍有不慎咱就可能要亏本,这怎么行?不如把钱铺改成银号,我们除了经营日常银子、铜板的兑换外,还接收存款,商贾或者百姓手头有了闲钱存放在我们这里,我们付给他们利息就是。”

周氏脸色登时变得雀黑,以她的理解能力,根本就理解不了开银号有什么好处。

“臭杏,你是嫌咱银子多,想分给别人使吧?先不论人家信不信得过咱,愿意把银钱存在咱这里,就说他们存了,我们还得白填补利息给他们,你是缺心眼儿吧?”

惠娘却摆了摆手:“姐姐,我想猩的意思,是让咱把收来的钱再放贷出去,收取更高的利息,对吧?”

“对,就是这样。”沈溪携盈道。

自古以来借贷和放贷都是平常事,但因没有形成正规生意,私下里借贷要么是不用支付利息,要么就是高利贷,而放高利贷的人必然有深厚的社会背景,不然很难把贷款讨回来。

“这恐怕不行。”

惠娘脸上带着丝丝紧张,“官府不会支持民间放贷行为,再者,咱把银子借出去,不能保证收回,亏的只能是咱。”

沈溪笑道:“那我们就当典当行经营就行了谁家来借贷都得有抵押,就好像头年里姑姑和姑父药铺经营出现困难,需要银子周转,以前没办法,可成立银号后,他们就可以把房契和地契,放到银号去抵押借款。咱的利息不用定得太高,等他们回头银子周转过来,再把地契和房契赎回去。若实在还不了,到规定期限后,田契和房契就是我们的了,我们可以自行变卖,填补空额。”

周氏咋舌道:“这主意是不是太损了?”

“娘,你总说人家的产业咱不能碰,可有些人经营出现困难,能用不动产抵押借到钱周转,说不定就能活过来,不然债主逼上门,他们的祖产仍旧被住。咱是在帮他们,不是害他们。”沈溪义正辞严。

惠娘点头:“猩说的有道理。”

沈溪继续讲述他的构想:“咱毕竟背靠商会,以后商会内部有什么银钱往来,双方都不放心,咱可以用银号作为担保,让一方把银子先存进来,等另一方交了货,双方无异议,咱再从银号把银子付清,这样双方就不会因诚信问题而起纠纷,不但能为银号暂时增加银根放贷出去实现赢利,同时也能给商会树立威信,让别人更信服不是?”

惠娘脸上显现笑容,点头比刚才有力了许多。

沈溪最后道:“其实最重要的,还是咱日后把银号发展出去,最好是天下各府各县都有咱的银号,这样客商来往做生意,就不用带着大笔钱上路,只要把银子存在银号里,就算是远在京城存了,拿着咱的票单凭证,到了洼府也能取出来。”

“票单凭证就算丢了或者是被人抢了,没有那些客商的画押坐实,也是白纸一张。客商路上不带大量银钱,节仕输成本的同时,也不用担心路上遇到山贼土匪财货两空,可谓一举多得。”

ps:这是月票满60票的加更l子继续召唤订阅和月票!.

[记住网址龙腾小说ltxsba.com]

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