第258章 拆借
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见礼毕,分宾主落座,徐平看着一身崭新棉袍的王素道:“此次回京,仲仪气色不错。更多小说ltxs520.com”
王素呵呵笑道:“按说我们也算是分司西京,没想到回到京城这么容易。圣上还特意召见过了,多有嘉勉,而且说以后但凡公事,西京银行的人可以回京,不必事前上奏。”
徐平忙跟着道贺,官员出了京城,想再回来可没有那么容易。这个年代不像后世那么随便,只要出京城的城门,官员必须登记,如果是公事,必有诏敕。等到回来就更加是难了,没有朝廷诏令,是不能够进开封城的。给西京银行这个待遇,是认可他们并不是地方衙门,而只是驻地在西京洛阳的中央衙门,甚至有参与中央决策的权力。
喝了茶,王素笑着对徐平道:“这次回京,是应京师银行的张惟吉大官所邀,说是要从我们那里贷些钱出来。云行,你说这不可笑吗?都是一样的银行,当时开立的时候,本钱也是一样,这才过了多少日子,他们竟然向我们贷起钱来了。”
徐平道:“平常事,银行就是跟钱打交道,以后更稀奇古怪的事情也会遇到。对了,此事是我应了的,利息你们去谈,谈定了没有?”
“谈好了,年利一成。张大官还想着再向下压一压的,说是圣上那里不好交待。我说若是利钱再低,这生意我们西京银行做着就不划算了。向桥道司贷钱,是我们直接帮着他们出,京师银行只是坐收利息,利钱再低还有什么意思?”
徐平道:“一成利也可以了,我们不会亏了本钱。看看快到年底了,西京银行手里现钱还多,有这种机会,即使利钱低一些,也不能放过。”
王素连连称是。西京银行是三司出的本钱,自然就是三司的附属商业机构,徐平做主定下来,王素他们就是去谈细节罢了。不过同样是银行来借钱,让他们觉得新奇。
徐平又问了一些细节,王素问道:“对了,为什么一定要借钱给京师银行?桥道司需要的钱,我们西京银行可以完全接下来吗。这半年来营田务去年的那几千万贯飞票已经完全盘活了,再加上今年收的存款,我们手里正有大把的钱贷不出去。”
银行一收紧资金,对社会的影响远不是表面上看来的那么简单,各行各业都要受到影响,这是不得不付出的代价。前面放钱放得爽,后面收钱自然就痛苦,这是谁也没有办法的事情。这个时候向西京银行让渡市场,真的是剜肉补疮了。
皇城司查了禁军放贷的情况,给出的建议也是慢慢来,以防意外。底下参与的统兵官过多,没人知道一下子把底翻出来会发生什么。赵祯向三衙发了一道圣旨,说是听闻禁军里有人聚赌,要求各级统兵官严查,军中严禁赌钱。同时查禁那些向禁军输送里资金的渠道,慢慢收紧资金,想无声无息地把事情解决掉。
想起禁军处理这种事情的办法,徐平就想笑,也觉得无奈。正常的军队,出了这种事情自然有纪律部门参与,一通严查之后,再由思想政治部门跟进,把影响消除掉。但禁军没有任何职能部门,出了事情,根本就不知道从哪里下手。按照程序,只能够从三衙开始向下一级一级向统兵官身上压,让他们解决,当统兵官自己参与的时候,就不知所措了。
一支几十万人的军队,没有属官,没有职能部门,只靠着一百个左右的公吏处理日常政务,这样的组织形式在徐平看来匪夷所思。正常的军队,指挥、政治、后勤、装备、训练和纪律这些职能部门是必不可少的,中国几千前的军队,都有了这些部门的雏形,到这个年代竟然全都没有了。没有职能部门,上级对下级的管理从何讲起?只靠统兵官?那是开玩笑的事情,管理首先是管事,其次才是管人,管人是服从于管事的。
从太宗开始,打仗便就讲究将从中御,临战授阵图,看起来可笑,实际想一想是没有办法的办法。太祖的时候不需要,那是在战时,整个晚唐五代都在战时,这一套管理体系显不出大问题来。和平年代,组织管理结构不变,那就出各种问题了。不授阵图,这样的军队就连仗都不会打了。rw
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