第257章 快慢二策
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徐平到京师银行衙门,刘沆和张惟吉早早就迎出来。龙腾小说ltxs520.com???进了客厅,张惟吉拱手:“省主安座,且先用茶。”说完,吩咐公吏上好茶来。
喝过了茶,徐平看了看刘沆,问张惟吉:“阁长请在下来,不知有什么事情?”
张惟吉有些不好意思地道:“本来要到三司去拜会省主,只是三司衙门规矩繁多,我们没有省主召唤,不好冒然上门去。只好请省主到这里来,莫闲怠慢。”
三司涉及到钱,还有大量有油水的职位,朝廷有令不许官员随便到那里去,去要有中书的同意。而张惟吉是内侍的身份,私下里见徐平也多有不便。虽然说禁止内臣交结权贵时说的权贵,一般是指宰执,徐平三司使的职位也摸着边了,一不小心会被台谏弹劾。张惟吉要找徐平商量京师银行的事情,只好让刘沆出面,把徐平邀请到衙门来,有些不恭敬。
喝过了茶,徐平对张惟吉道:“阁长有话直说就是,我们也不是外人。”
张惟吉拱手:“省主爽快,在下也不绕弯子。此次请省主来,是为了京师银行前一段时间放贷过多,惹出了乱子。官家有话,最近要尽快把前几个月不明不白放出去的贷款收回来,要是做不到,京师银行里做事的人都没有好果子。省主宅心仁厚,最好说话,京城里谁人不知?银行又是省主提出来的,事务最熟,没奈何,只好请教。”
还是第一次听到别人夸自己是善人,徐平觉得有些好笑,对张惟吉道:“阁长把事情说得明白一些,才好计较。只说要收贷款,倒让我没法出主意了。”
“是在下的不是,没有把话说清楚。前几个月京师银行放出去的贷款,好多进了一些不明不白的公司,现在任谁都觉得,这风险不小。”
徐平随口问道:“既然不明不白,这公司怎么开起来的?又是怎么贷出钱去?”
“公司开立,是由开封府在管,他们的公司开起来,京师银行便就把钱放出去了。我已经打听过了,开封城里开公司极是容易,只要把主事的公吏打点好了,便能开立。”
听了张惟吉的话,徐平笑着摇了摇头,一时没有接话。前些日子自己提议要专门设一衙门管工商的事情,结果都认为是多余,现在出事了,不知道那些人会怎么说。有专门的衙门最少能够专人专责,现在好了,都不知道哪个环节出了问题。
“赖账就简单了,只要刚开始对公司的账目查得不严,就可能只是开个虚头公司,只有账目上有钱走来走去,实际就没有雇人,也没有货物生产或买进卖出。那只要开公司的人把账目一烧,带着钱远走他乡,你到哪里找去?这个冯士元能做出这种事来,必然是开封府的地头蛇,他找人做这事,就先防到了这一点。所以只要逼着他心甘情愿地来还京师银行的钱,一定有办法把钱都逼出来,还上银行的窟窿。”
张惟吉点了点头:“明白了,解铃还需系铃人,冯士元能把钱放出去,就有本事把钱收回来,省主应该是这个意思。不过如此做,只怕要费些时间。”
“那是自然,这么大的数目,就是让三司筹,也不是急切间能筹出来的。”
张惟吉想了想,又问:“时间不等人,如果急着用钱,又不想冒风险,我们该怎么做?”
徐平笑了笑,端起茶来,慢悠悠地道:“最简单的办法,去借!”
“借?去哪里借?天下有什么人,能够一下子拿出这么多钱来?”
“还能有哪里?西京银行啊!本来钱监也可以借的,不过现在京师银行这样子,只怕钱监不会借给你们。西京银行是同行,只要付利息,想来他们是会借的。”
张惟吉一时有些蒙,过了一会才道:“银行也可以向很行借钱的吗?利息怎么算?”
“当然能借了,只要付得出利息,不管是谁银行都敢放钱给他。你们是同行,利息是高是低,自然是去自己商量。如果西京银行有闲钱放不出去,利息自然就可以低一些。”
同行拆借本来就很正常,银行要放贷生利,就不可能准备大量的资金储备,遇到紧急情况向同行借一点都不意外。西京银行也就是三司衙门开的,要是私人开的,敌国都会借。8
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