第54章 真假虚实
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听父亲问起林缚在淮东兴办钱庄之事,元锦生稍作思量,待到回答,就听见有脚步声走近,转头看见大哥元锦秋穿门进来。龙腾小说ltxs520.com
“听周鹤说,父亲找我?”元锦秋穿门进来,站在廊檐下,望着这边问道。
虽说没有走近,但还是有酒气扑来,看大哥的脸涨得跟猪肝似的,想必是喝了不少酒刚回来,衣裳前襟也沾了不少酒渍、油渍。
元归政眉头微蹙,忍住没有出声训斥,只说道:“我正问锦生淮东办钱庄的事情,你也坐下来听听!”
元锦秋打了一个酒嗝,走过来步履还有些摇晃,扶着凉亭的廊柱子坐下,笑嘻嘻的说道:“锦生比我有出息多了,我也来听听就是……”
元锦生接着刚才的思路,说道:“淮东兴办钱庄,主要是为粮商在津海、青州、山阳、崇州等四地贩运米粮便利。办成钱庄,这几地的粮商,都可以直接使用钱庄出据的飞票往来结算,不会再有银钱转运繁琐与凶险。从这点来看,淮东依旧将津海粮道视为根本。有这种种方便,粮商自然也愿意乐享其成,估计也会愿意促成此事。除受林缚蛊惑而南迁的周、孙等族外,因林、顾二人而在江宁崛起的东阳乡党,也是林缚会极力拉拢去一起创办钱庄的主要对象……”
“嗯,看来你有过认真的思量,”元归政夸赞其子,说道,“曲阳镇没落后,聚集东阳乡党势力的金川河口迅速崛起,由于地理便利以及顾悟尘初到江宁来就都漕的便利,金川河口的米市已居二十四镇之首。从淮口、江口出海的米粮,倒有小半,是从金川河口发出,津海粮道,实际也事关东阳乡党的利益。且不说林、顾二家,已经是东阳系之道,只要钱庄之事对津海粮道有利,从米粮里取利的东阳乡党也会愿意促成此事的……你继续说下去。”
“林缚在淮东修捍海堤一事,虽猜不透他的心思,但终究使崇州财力见拙,”元锦生继续说道,“办钱庄,放印子钱,能稍许缓解崇州捉襟见肘的支度压力……”
“我看多半不是,”元锦秋听到这里,醉醺醺的插言道,“飞票之事,我赞同,但放印子钱之事,可能性甚微。真要学藩家放印子钱,办成钱庄在淮东又能放多少印子钱出去,林缚要从中抽税,又能抽到几成的税?”
“淮东十一县,办成钱庄之后,林缚以强权将诸县原有的典当行以及放印子钱的铺子,都悉数驱逐出去,将放印钱之事归钱庄袭断专营,总数还是相当可观,”元锦生说道,“林缚作为淮东制置使,只能管淮东两府十一县的军政事务,不能直接干涉政事、财政。即使从放印子钱里牟利不多,但借办钱庄,林缚也能将触手伸到两府十一县的各个角落去……”
“若是如此,林缚在淮东还不是要极遭大户人家厌恨?”元锦秋反问道。
“林缚在崇州所兴诸多政事,有几桩不是遭富户厌恨的?”元锦生反问道,“要不是借崇州童子案替他在崇州挽回些声望,崇州哪可能给他经营得滴水不漏?”
元锦秋打了个酒嗝,笑道:“你也晓得童子案替林缚在崇州挽回不少声望,林缚事前又怎么会不晓得?我看林缚事前晓得童子案能替他在崇州挽回不少声望,所以之前才放开手脚打压大户。恶人先给他做了,好处先给他捞到手了,再露出菩萨心肠,还要叫别人感激他——他在淮东其他地方,可没有这么好的声望基础,又怎么会为多放几个印子钱,将两府十一县的大户人家都得罪干净?”
“……”元锦生不得不承认锦秋分析丝丝入扣,但他也不易给说服,说道,“淮东在江宁放出来的风声,就明说了办钱庄要放印子钱收钱息——飞票之事,虽说能给粮商提供很大的便利,但商号、货栈给外人出据飞票,票息也就百里抽三或百里抽五。钱庄要是只做飞票之事,如此薄利,会有几人愿意出资?”
“相比票息百里抽三、百里抽五,放印子钱的油水是更足些,收两到四成的钱息,就算是相当厚道的了,”元锦秋也反驳得也不服气起来,笑道,“藩家受你们指使,也放印子钱。那我们将话退回到前面,就算如你所说,林缚将淮东的印子钱都占下来,总盘子又能有多大?我看还远不及江东半城之数吧!”
藩楼算是江宁城里放印子钱有数的几家,一年能放出去的印子钱,也就三四万银子而已。
放印子钱的主要对象是城坊户里急需周转的人家,像江宁及周边诸县就有城坊户十七万户,而淮东两府十一县,总共也就三四万户的城坊户。
即使林缚兴办钱庄,能将淮东的印子钱都垄断下来,整个盘子也相当的有限,完全没有必要大张旗鼓的搞。
也许只要林缚出面打几个招呼,就能凑出一二十万两银子出来,以林缚此时的权势跟地位,这实在简单得很。但就目前的声势来看,林缚办钱庄所需的银子,远远非一二十万两银子能够满足。
“有总比没有强些,”元锦生强辞夺理道,“淮东筑捍海堤,财力见拙,总是事实。照你所说,不放印子钱取利,传闻里为何又多说印子钱之事?”
“若是向淮东数十万浮民放印子钱呢?”元锦秋说道。
“向浮民放印子钱?”元锦生倒觉得锦秋喝多酒异想天开了,说道,“浮民都是无根之人,这印子钱放下去,指望能收回几成来?林缚岂不是要亏得连裤子都穿不起?”
“亏也是钱庄亏,林缚顶多不从中取利,补贴稍许都有可能。”元锦秋说道。
“那些出资办钱庄的财东都是喝错药不成?”元锦生说道。
“若钱庄向流民放印子钱,流民除了能维持生计,还有余力在淮东开垦荒地呢?”元锦秋问道,“只开垦荒地有收成,流民自然就有能力归还印子钱、支付钱息。对淮东来说,开垦荒地,民户、粮田增多,税粮自然也就有增加。即使有放出去的印子钱会有些最终收不回来,淮东额外补贴损失给钱庄,实际上也会很有限。你说淮东为筑捍海堤,而财力见拙;这话我相信。我想淮东财力见拙,想安置流民而无余力,所以才想到办钱庄来促成这事。不应该是你所判断的那样:淮东财力见拙,所想开钱庄放印子钱取利……如此一来,办钱庄向流民放印子钱,倒是大善之政!”
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