六七一 实质性问题（下）
最新网址：m.ltxsdz.com
“那么……”
周延儒又问了最后一个问题：
“你们所说的这些生意，现在用银子不一样可以做么？跟朝廷允许你们铸钱又有什么关系？”
“我们现在确实已经在做，琼州台湾吕宋三地都开设有银行，然而白银本身仍然不是最佳的交易媒介——目前习惯用重量计价，但各地收上来的白银纯度不同，形状大小更是千奇百怪，需要进行再次熔铸方利于保管和统计。龙腾小说网ltxs520.com而在流通使用过程中，又要根据不同用户的各自需求重新进行分割……这些都会产生损耗。交易次数越多，重铸和分割就越频繁，损耗也越大。而银行恰恰是极端依赖货币流通才能生存的机构，过高的金属再加工费用会严重吞吃掉银行的利润。所以我们将其制成规格统一的银币进行流通，就可以免去这部分的损耗成本，只需要计算银币本身的数量就行了。”
“但即使你们发出去都是银钱，收进来的恐怕还是什么银子都有吧？”
林汉龙这番解释又让旁边毕自严开始在纸上做记录了，不过这回他不再死撑面子，而是有话就问，于是立即就得到了回答：
“目前在我们控制的区域之中，同样的货物，用碎银直接购买会比用银币稍微贵一些，另外客户去银行中用零散碎银兑换银币，也要支付一些差额——多出来的这部分，便是用于铸造银币的所谓‘火耗费’了。这部分加工成本由客户承担，而他们也只需要承担一次——如果他们今后改用银币的话。”
林汉龙的回应让老毕忽然间恍然大悟：
“照你们这种做法，大明各地迟早都会用上你们的银钱——难怪你们不惜代价，也要来向朝廷买个名正言顺！”
对此林汉龙并不否认：
“是的，银行就靠做金融服务赚钱，而在这方面银行及货币本身信誉是第一位的。目前我们在琼台吕三地开设的银行业务量已经非常大，如果能进入大明内陆肯定会更好。但如果我们换给客户的银币不是大明帝国承认的国家法定货币，那我们的银行机构在大明内陆扩张起来难度就会增加许多。当然了，单纯用白银交易也可以——哪怕在琼州府经常也会遇到外地客户不想收银币，宁愿多付火耗费用也坚持要用银锭支付的状况——因为他们担心使用银币会给地方官员勒索他们的理由。在大明内陆这样的情况肯定会更多，所以我们才要谋求尽可能让银币合法化。”
“明白了……原来这就是你们所说的‘政策性风险’。朝廷的认可果然是至关重要……这么算的话，三十万两倒也不多。”
周延儒终于弄明白了短毛所求，心里头反而感觉安心了不少——短毛果然不傻，虽然他们所说的这些生意听起来很是匪夷所思，但既然对方这么正儿八经的提出来，想必肯定是比较靠谱的。
本人做到了堂堂首辅，宜兴周家当然也水涨船高，成为当地顶尖大户了，周延儒对于“以钱生利”的手段自然不会太陌生。不过大明朝的金融水平非常低下，以周大首辅以往的认知，要想靠钱生钱，无非就是放贷而已——利率低了还不行，风险太大。可高利贷从业者在市井之间的名声往往极臭，作为堂堂状元郎，当朝首辅的家族，既保持好名声又获利丰厚的方法有的是，没必要去惹这一身骚。
但此刻听这位林先生说起来，他们的提供的那些“金融服务”居然是一门很正规，很高档的生意，仅仅通过林汉龙口中那片言只语，便让周延儒对他们的“银行”很是生出了几分兴趣——大户人家都不缺银子，可银子多了也麻烦啊——白银的存储，大批量长距离的转运，以及如何设法避免贬值，本就是让所有富裕人家都头疼的事情。此刻听林汉龙说来，他们的银行似乎还就是专门解决这些麻烦的——当然得信誉好才行。
——短毛的信誉好吗？他们可是反贼出身！然而几次打交道下来，连周延儒这个大明首辅都开始渐渐觉得这伙人行事极有章法，把钱存到他们那边似乎并不是一个不可接受的主意……
想到这里时，他随口又问了句额外的话题：
“你们在京师中也要建立这种‘银行’么？”
“是的，金融服务业原本就是咱们琼海大市场的重要组成部分之一。只是银行金库对于安全性的要求很高，不能用临时建筑充数，所以最近正在选址，要从琼州专门派施工队过来建造房屋，开业时间会拖后一些。”
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