第一六四章 算计（求订阅和月票）
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谢韵儿知道人生地不熟生意难做，这可是她屡屡碰壁后自行摸索出来的，本来她想开家医馆，可在遭遇种种困难后便知道世道艰难，她现在已安心在陆氏药铺当坐堂大夫。
“其实我是想让他早点儿回京。”沈溪坦然道。
周氏骂道：“混杏，你当娘和谢姨这么好骗？你让他开学塾，明明是帮助他在洼落脚，跟回京有何关系？”
沈溪笑嘻嘻道：“娘，您想啊，那洪公子连咱们这儿的话都听不太懂，他开学塾，有什么人会送学生去读书？等他把盘缠花干净了，不是得灰头土脸离开？”
这话令谢韵儿愕然，她之前总是听惠娘夸沈溪聪明有本事，但到底多有本事，她还真没见识过。在她想来，沈溪跟她的弟弟妹妹同龄，她的弟弟妹妹稚气未脱，沈溪再神也神不到哪儿去。
可这次她亲眼看到沈溪不但聪明，而且一肚子阴谋诡计，明着是帮洪浊追求她，其实是想害得洪浊盘缠用尽无奈回京。
“嘿。”周氏听到沈溪的计策后笑道，“你杏倒是有办法。谢家妹妹如何看？”
谢韵儿脸色黯然：“我与他情分已尽，他非要来缠着，我也没办法但若要令他知难而退，这未尝不是个好主意。大不了，临行前我送他些盘缠就是了。”
沈溪本来还担心谢韵儿心疼洪浊，会找人告诉他及早收手，现在看来，谢韵儿算是足够理智，知道跟洪浊在一起不会有幸福，在得不到家人祝福的情况下，就算勉强凑在一起，来日也会以悲剧收场。
这年头的女人，在考虑婚姻大事时更为谨慎，因为她们中大多数一生只有一次婚姻，若谢韵儿真嫁给洪浊，将来洪浊抛下她回京城，那她一辈子就完了。
周氏听出谢韵儿话语中的决绝之意，安慰一番，事情就当揭过了。
晚上惠娘回来，周氏把白天的事一说，惠娘笑着摸了摸沈溪的头：“猩到底不是平常人家的孩子，他想事情比别人都复杂周祥，很多时候我们这些大人都自愧不如。”
沈溪耸耸肩：“孙姨谬赞了。”
随后，惠娘笑着介绍筹备学塾的事，她怕时间太长耽误沈溪学业，把学塾开学的日子定在了四月初二。
听到这消息，周氏非常高兴，随后幽幽一叹：“真想把这好消息告诉家里那没良心的，他一走就是半个月，连个音信都没有，难道不知我们娘儿俩为他铅挂肚？”
惠娘安慰：“姐夫忙完了事情自然会剧回来。”
姐妹二人感情很好，周氏没丈夫在身边，就跟惠娘一起睡，两个人已不单纯是闺蜜，简直把对方当作自己的另一半。
吃过晚饭，惠娘把银号经营两个多月来的账目拿出，除了对周氏解释一番，也是让沈溪知道具体经营情况。
最后她带着遗憾道：“如今银号的生意步入正轨，可近来老是收到成色很差的银锭，令银号损失不小。”
沈溪感觉到问题的严重性，银号刚开始是以钱铺的模式存在，钱铺本来是稳赚不赔的生意，因为收的是折价的回扣。
但钱铺经营最大的问题是来自于民间铸币和铸锭的成色，眼下南北两京以及江南、中原等地，几乎每座大城都会开设铸造厂铸币，名义上是官办，但很多为私人所设的铸造厂，为了追求利益，其铸造出来的银锭和铜币成色很差，随着商贸流通逐渐流传到闽浙之地。
沈溪道：“既然问题出现了，我们就要面对，这个时候我们不能再在银钱兑换这一条道上走到黑，而是应该走存款、放贷的途径，才能将银号做大做强。”
“这样是否太过激进了？”惠娘蹙眉问道，眼里满是担忧。
沈溪笑道：“姨，做什么行当不需要冒险？之前咱经营英作坊，别人不看好，到头来不也做起来了？”
“银号有了这项业务，百姓能从存款中获得利息，而商家也有了低息借钱的途径，这可是一举两得的利民之举。咱先期放贷，只针对商会内的商家，对于抵押之物审批严格把关，只要能把这一环节落实好，就算有什么风险我们也能应付得了！”
ps：这是月票满240票的加更，同时也是今天的第五更！
大家的热情我都看到了，天子再次向大家致以深深的敬意！
在天子心目中，状元不是两耳不闻窗外事的书呆子，而是世事洞明皆学问的人精a书写八股不是生活的全部，家长里短也是状元生涯必不可少的一部分a于各种批评和建议，好的天子欣然接纳，恶语相向的一忻之，写书十多年了，这点儿雅量还是有的！
再次谢谢大家！.
[记住网址龙腾小说ltxsba.com]
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