第四十四章 我的银行
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胡雪岩和汇丰银行商定的借款章程，主要有四项。更多小说ltxs520.com
第一项，借款总额，关平一百七十五万两，由香港上海汇丰银行组成财团承贷。
第二项，月息一分三厘，付款先扣。
第三项，借款笔据，由各海关出印票，并由各省督抚加印，到期向海关兑取。
第四项，前半年只行息，不还本；自同治四年七月起至年底，六个月内，每月拨本三
十万两，最后一个月拨本二十五万两。
第三项是刚刚和关卓凡谈妥的，没有问题；第一、第四项也没有问题。
问题出在第二项。
月息一分三厘，年息就得一分五厘六毫——靠，见过这么狠的高利贷么？
当时银行放款，这种一年期的短期款子，一般的行情是月息八厘，年息不超过一分。
胡光镛，你当老子全然不晓得行情么？
胡雪岩偷觑着关卓凡的脸色不对，小心翼翼地说道：“贝子爷，利息是高了点，可汇丰
的大班说，这笔款子放出来的时间，刚好是开春，丝茶两市方兴，资金特别的紧张，利息不能不提高一点。”
关卓凡没搭理他这个话头，缓缓地说道：“雪岩，咱们通家至好，有一个事情，你一定要跟我说实话。”
胡雪岩微愕，说道：“是，什么事情，请贝子爷明示。”
关卓凡说道：“你为左季高办事，常常要替他垫款购买军火；浙江的藩库，是你在代理——只怕也不容易；还有善后局这一块。你未必不要填钱进去。你跟我交个底。加在一起。到底有多少的宕账？”
胡雪岩目瞪口呆：这个关卓凡，钻到自己的脑子里来了么？
愣了片刻，咬咬牙，决定说实话，低声道：“回贝子爷的话，大致是五十万两。”
关卓凡说道：“还有浙江的盐务——左季高去了西北，你就归了陕甘总督的麾下，浙江的盐务就得办交接。你告诉我。这一块，扯了多少亏空？”
胡雪岩大冷的天儿，浑身的汗却冒了出来。
关卓凡目光炯炯地盯着他。
胡雪岩颤声说道：“大约……十五万。”
关卓凡点了点头，然后说道：“上海新开了一家花旗银行，你晓得么？”
胡雪岩轻轻抹了把汗，答道：“是，我知道，是一家美国银行。”
关卓凡说道：“我的话，在美国人那里，大约还管一点用。明天请利先生带着你。去见一见他们的大班，请花旗给你放一笔十五万银子的款子。利息嘛。这笔钱做个特别的安排，就算五厘好了。”
胡雪岩几乎不相信自己的耳朵。大额的存款，银行给的利息在三、四厘之间，五厘放出来，银行几乎算“白当差”了！
但关卓凡当然不会说大话。而且，关卓凡和美国人的关系——自己原先怎么没想到呢？真正愚不可及！
胡雪岩谈的这笔借款，利息如此之高，什么“开春丝茶两市方兴、银行资金周转紧张”，当然也是一个原因；但更重要的原因还是胡雪岩的宕帐和亏空太多，尤其那笔盐务的亏空，交接之前必须填上，不然可不得了。
于是和麦林、古应春勾连，在这笔借款上加了很高的“暗盘”，指望通过这笔借款的抽佣，填上一部分的亏空。
而且，这只是第一笔借款，年内还会有第二笔，两笔加在一起，就差不多可以把盐务的亏空全部填上了。
渡过这个难关，明年借款的利息再“克己”一点好了。
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