第47章 钱庄之议
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淮东军司财力再紧迫，也会存有一定量的现银。这笔银子是藏在淮东军司的银窖里，还是存入钱庄的金库里，没有什么本质的区别。
说到厘金局，周广南就熟悉了。厘金局差不多是淮东军司现银收入的主要来源之一，每个月才跟淮东军司结算一次。
不算已经进入淮东军司窖藏的现银，厘金局平时也存有好几万两现银。
船场收益结算是每季一期，平时要维持正常的运营，存有的现银数额更加庞大。
冶铁工场、剿丝工场甚至包括黑水洋船社，都有大量的现银抓在手里，以备不时之需。
这些余银都是以备不时之需，实际上会用到的机会不大，跟乡民手里攒些银钱不敢花出去的道理一样。
这些余银集中存入钱庄的银库，一是集中保存方便，第二就是钱庄若是给持票人挤兑，就可以拿这笔银子来应急。
也就是说，只要存入钱庄的余银数量足够庞大，钱庄所需要的本金就越少。
给林缚一句话点拨，周广南仿佛看到一个新的视野，一改之前谨慎的态度，身子都往前倾过来，说道：“大人所言，确实是缓解钱庄本金不足的妙招！卑职听来，毛塞顿开。”
林缚微微一笑，后世有哪家银行不吸揽公众存款、光靠自有本金向外放贷的？他是靠后世经验取胜，若说经营算计之事，却不比周广南老道。
当然了，钱庄成立之初，都没有建立起信誉，除了财东出资凑出一定量的本金外，就想大规模的吸揽公众存款，是不现实的。但是，林缚可以将淮东军司及诸多工场的余银都存入钱庄，将来有可能，可以直接指令淮东两府十一县将财政余银存入钱庄，就能保证钱庄拥有大量的储备银。
林缚笑道：“钱庄的好处不仅这几桩。盐铁司去年是通过我们的水营战船将盐银运往燕京的。陈韩三控制着徐州，流寇在汴泗之间，还有很大的势力，张晏今年依旧不敢走陆路运盐银，钱庄倒是可以将这事给揽下来。”
“大人的想法总是出人意料，这么一说，又有恰到好处之妙，卑职当真是心服口服，”周广南感慨的说道，“粮商在津海存入粮银，持票到崇州取现，会造成津海银多而崇州缺银的失衡。盐铁司将盐银存入崇州的钱庄，而我们可以从津海钱庄另拨出相应的银钱入京，实际可以弥补上面所说的失衡……我们少了从津海运银填补崇州的麻烦事，却能多做成一桩生意，真是好得不能再好！这钱庄之事能做！”
林缚又看向孙丰毅。
孙丰毅细思量，见制置使看过来，也说道：“钱庄之事，能做。”
孙、周两家是南迁海商的代表，虽然周广南、孙丰毅都在淮东军任职，但他们不能心甘情愿的出银来做钱庄，林缚也不能逼迫他们。
如此孙丰毅、周广南主动表态，这事便算是迈出去第一步。
林缚说道：“好。王成服就先留在这边，你们几个先拟出一个条陈来，将所有事情都考虑周详了。钱庄能聚集到的本金自然是越多越好，隔几天我去江宁走一趟，看看那边有没有人愿意参与进来。”
钱庄成立之后，放贷是基本功能，不需要强调什么，不过林缚也没有提淮东军司将来会向钱庄支借银钱发展军备之事。这事留在钱庄成立之后才议不迟，总不能一开始就给别人太多的顾忌。
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