第二十一章 存款
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第二天一大早,利宾就急急赶到了清雅街。更多小说ltxs520.com在巡抚衙门的小书房里面,跟关卓凡相对而坐,看着他在一张纸上写写画画,不知是要找自己来做什么。
昨天把通省的账目算完,关卓凡心里有了底。
不管余数多少,总归是能有一笔余数的,这些钱,不能乱花,都是民脂民膏,非用在刀刃上不可。他打算以其中的小头,来支应目前已经起办的几项新政,而大头——
存起来!
这个“存起来”,还不肯存在藩库里面,因为他觉得藩库这个地方,还不够保险,朝廷的手,还能够伸得进去。
倒是有一个保险的地方,肯定无人可以伸手,他把利宾找来,为的就是这件事。
“利先生,如果有一笔款子,要存在渣打银行,是怎样一个办法?”
这一问,倒让利宾有点奇怪了,小声说道:“逸轩,你的款子,除了上回交给姨太太那五万,别的本来就存在渣打里头,这是办惯了的事。”
“嗯,嗯,我说的不是私款,是官银。”
“官银……”这是不曾办过的事,利宾想了想,说道,“想来跟私款亦差不多,如果是藩台上的银子,那么开一个‘藩记’的户口,留下印鉴和签字,也就是了。利息上面,得看看有多少款子,存多久,才能开出盘口来。”
按利宾的说法,渣打银行对于一般存户是不给利息的,只有大额的款子,才可以情商,而给出来的利息,是在一厘到三厘之间。现在关卓凡既然说是官银。想来不会是三万五万的事,那么跟渣打去争一份利息,应当办得到。
“逸轩,不知道你要存多少钱?”
“唔,一年二百五十万两的样子。”关卓凡慢吞吞地说。“先存上两三年再说。”
利宾大吃一惊,一年二百五十万,那岂不是说两年五百万。三年七百五十万?看了看关卓凡,不像是在开玩笑的样子,知道他是说真的,于是默默在心里盘算了一会,才再开口。
“这么大的额子,三厘是一定拿得到的,我再跟英国人争一争。看能不能多加半厘。不过说到户口的印鉴。单留一个人的。只怕还不够了。”
“怎么呢?”
“这是英国的银行,特地为储户所做的打算。说句不吉利的话,若是存钱的那个人,出了什么意外,未必这么大一笔钱,就统统归了银行?总要留个后手才是。按逸轩你说的,有几百万两的话。大概得留三个人的,依顺序排下去。”
关卓凡明白了,稍加考虑,点了头。
“成,你去跟渣打谈吧。至于取款人的名字,第一个留我的,第二个留赵景贤,第三个......就刘郇膏好了。”
“好,一两天的工夫,就一定能有消息。”利宾把他交办的事先承下来,才笑着问道:“倒是你存了这么大一笔钱,打算如何来用呢?而且存这么多,新政里头办实业的一项,怕就没有剩下多少了。”
“要用钱的地方,实在太多了,这一点钱算不了什么。”关卓凡脸色凝重地说道,“至于说办实业……利先生,回头你请容纯甫到我这里来一趟,我有话说。”
关卓凡跟容闳,是第三次见面了,每次看到这位唇上微髭,温雅干练的广东人,都觉得很有意思——自己已经替他保到了五品衔,他却依然不穿公服,而是西装领带,仍是一副西式做派。
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