第146章 泉布
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王拱辰点点头，觉得徐平说得有道理，但心里却又总感觉哪里不对，又说不上来。龙腾小说网ltxs520.com?
两人走上前去看印出来的票据。大多都是要到钱庄去使用的，跟西川的交子一样使用的是楮纸，印成统一的格式，可以向上填数额。还有一部分是印花票，现在已经是地方官府很重要的收入，由转运使司统一印，与州县分成。
更多的那些并不是正在使用中的，而是按照徐平的要求制的样品。这些都有统一的样式，精美的花纹，而且有固家的数额，跟其他的全然不同。
王拱辰看了又看，最后终于还是忍不住问徐平：“都漕这是准备要印交子？”
徐平笑了笑：“总得要做准备，今年河南府收到的外路州军的飞票太多，十之七八三司是不能按时兑换的。河南府兑不了飞票，不但是你营田务收不到他们欠的债款，我转运使司一样收不到。辛苦忙碌一年，货也卖了，收不到钱这生意还怎么做下去？为了不让京西路大乱，只好先印交子应付一下。当然现在只是准备，未来用不用还是两说。”
听了这话，王拱辰的脸就苦了起来，也不说话，只是四处转来转去地看。
益州交子，最开始也是没有面额的，都是出去的时候手工填写，跟现在京西路钱庄的做法差不多，开始性质也等同于存款收据。不同的是钱庄出的钱票不能直接使用，转让或者贸易要到钱庄里面交割，而交子是可以随便使用的，已经具有纸币的性质。
益州交子后来由十六家富商主持和兑现，属于民营的阶段。行货币是非常赚钱的行当，十六家富商经常滥，不断有破产或者其他原因导致不能兑现的，引混乱，交子被官府禁止。但禁止解决不了问题，交子本身就是因为有社会需求才应运而生，禁了交子社会需求还在，造成民生不便。到了天圣元年，当政的刘太后决定在益州设立交子务，改由官府行，一交一贯，三年一界。到界旧交子要兑成新交子，以旧换新，旧交子退出流通。
官办交子务按照以前民营交子的经验，每次行新交子都要准备大约三成的现钱做为本金，以备随时兑换。由于益州交子务控制得力，交子行以来，没有出现因为滥而交子贬值的现象，更加没有出现以前的那种拿着交子兑不到钱的事情，算是成功的经验。
实际上如果不是徐平坚持钱庄的钱票不可以流通，别人就把钱庄当成京西路的交子务了。自钱庄设立以来，大部分人还是认为总有一天钱庄会变成交子务的，只是早晚而已。
徐平却从来没有这么想过，他并不想在京西路复制一个交子务出来。
有着千年的见识，徐平知道现在的交子还不是纸币，只是纸币的初级形态，仅仅是现有货币的补充。说到底，交子代表的还是铜钱，最多只能算某种银行券，而交子务却没有很行的职能。这就造成一个问题，交子务要想赢利，而不是做无私的奉献，只有多交子一条路，而且没有制约。实际上历史的事实是一到了西北开战国用紧张，便就出现交子的滥，物价飞涨。如果不是三年一界的限制，很快可以推倒重来，交子几十年后就崩溃了。
银行不但是要行货币，还要把行的货币贷出去，通过贷款和存款的息差赢利。这种状态下多货币对银行就是双刃剑，多货币获利，但造成通货膨胀，以前放出去的贷款也同时贬值了，等于自残。不到经济崩溃，万不得已，银行会自行克制不货币。
对银行来说，要想正常地运行，商品经济展起来是先决条件，因为只有商品经济中的资本才是优质的贷款对象。通过贷款和存款的利差，银行从商品经济的循环中切下一块蛋糕来，同时对资金进行有利于商品经济展的配置。
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