第一百三十五节 佛山之行(一)
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刘三回到住处，赶紧骑上自行车往百仞城里去，先向时袅仁做了汇报。时袅仁大加赞赏，说他的办事效率真是高，不过高得稍微有些过头了――他请求拨款的报告还没批复下来，明天就出发的话，恐怕没地方拿银子去。另外，这件事情还得知会一下负责贸易的外交和贸易委员会，理论上说这是他们的职权范围。
时袅仁到处打电话，送文件。刘三一个人坐在办公室里，百无聊赖的盯着走廊里来来回回的小护士们。过了一小时之后，时袅仁回来了。
“事情都办妥了。”时袅仁有些兴奋的把手里的文件袋放到桌上，“执委会和外商委都支持你的计划，除了按照申请拨给你四百两银子之外，额外再加拨一百两。另外，你要求给你一些药品作为样品，计委也同意了――每样各十盒。”
“谢谢领导支持……”
“别急，你不是一个人去，还有个团队。”
“啊？”
“是这样的，佛山是个大镇。陶瓷和纺织业很发达。工能委要派个人去佛山，实地看看当地的工业状况，顺便再看看能不能招募些工匠回来。现在的陶瓷器需求越来越大了。”
“好好，就一起去吧。不过他用什么身份呢？”
“就说是你的朋友好了。情报委员会给你们每人配一个佣人――这是第一期情报学习班的实习生。你得多注意点他们！”
“这，这团队是不是太豪华了点？”刘三原本是打算就自己一个人，一身轻松的跟着杨世祥走一趟，这下似乎兴师动众了。
“这是一个良好的渗透机会，执委会自然要抓住了。”时袅仁说，“人也不多，你快准备准备吧。明天到博铺汇合。”说着他把一个信封交给他，“这是拨给你的费用，签收一下。”
刘三签了字，信封里是几张桑皮纸票子，印刷的很精美，格式图案花样都是模仿现代银行的支票。抬头是徳隆银行，下面有大写的面额，都是五十两一张，簇新的票子。
“这是德隆银行的票子，在广州刚发行没多久。”时袅仁说，“能兑换的地方还不多，这是答应承兑票子的各家字号、地址。”说着给了他一张单子，“巧了，佛山镇上，徳隆的承兑字号正是一家药行。”
“闹不好别就是杨世祥的亲戚们开的。”
“这就不知道了。不过有了这银票，外出办事会很方便。不然你们还得先跑一次广州站拿钱。”
雷州糖业大战中执委会萌发了开办银行的念头之后，程栋和严茗动作很快，没花多少时间就拿出了一整套银行的组织管理体系、资金调拨、汇兑的制度。为了这件事情，还特意将广州站的几个主要负责人轮流召回临高，召开会议讨论。
经过讨论，最终决定的方案是：
徳隆银行在广州单独挂牌成立，表面上属于独立企业――因为孟贤的长相实在不大象大明人士，要冒充本地人不大容易。所以名义上的东家是由沈范的一个亲戚，是个童生，笔墨还不错，挂名之外还能管管文案。实际的管理者自然就是孟贤了。
徳隆银行的业务和后世的钱庄比较类似，而非现代的银行。首先它不从事贷款业务，只办理存款汇兑业务。当然广州的徳隆银行开张伊始就要吸收存款是很难的――它还没有知名度和信用。所以存款的客户，其实只是广州站属下的三家商行。这三家的本金、营业款、利润等款项之外，还有通过紫珍斋和紫诚记吸收到的存款。
徳隆银行籍由对公账户的往来管理，有效的监督广州站的资金流动，还免去了大笔银两在广州和临高之间的输送――只要在银行账户上划汇一下，再用电报告知就可以了。
徳隆的汇兑业务，为了尽快开展业务，孟贤在珠三角地区首先进行的是简单原始的联号汇兑业务。这也是清代山西票号所常用的经营方式：在银钱流动较多的地方，找实力雄厚，贸易活动频繁的商家大字号作为承兑联号。徳隆发出去的汇票，到这些字号上就可以照码兑换。反之，这些联号发出的汇票，由徳隆在广州承兑。联号之间，每月清理一次账目，将双方往来通过汇划结清。
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