第187章 【筹办钱庄】
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世界上有一种组织，合理合法地把你的钱从你的口袋里拿走，用你的钱赚了他们的钱，你没日没夜地工作，结果沦为他们的奴隶，这个组织，便是银行！
穿越之前，他是房奴、车奴、卡奴，跟其他工薪阶层一样，起早贪黑，看似挣了不少钱，却是在为银行打工，而银行仅仅靠高房价下的按揭贷款就牢牢掌控了数以亿计百姓的钱袋子。龙腾小说网ltxs520.com
久受银行之苦，反过来也知道开银行的好处。
魏延想要汇天下之财作为自己军费开支，恐怕也只有银行这个系统才有能力把散下去的钱财重新聚拢起来，为他所用。
一旦想到开银行的种种好处，魏延当下就做了一个决定，自己开银行。
魏延知道，银行的雏形，叫做钱庄，又名银号，是明代中叶才出现的，起源于银钱兑换，其后逐渐发展为办理存放款项和汇兑。
其中的兑换业务从西汉就开始出现了，到唐宋有所发展，开始是由金银店、柜坊等兼营。明英宗正统年间，大明宝钞贬值，政府放松用银禁令，银钱公开流通，由于私钱庞杂，铜钱轻重不一，成色各异，制钱、私钱、白钱三者之间的比价差异大，变动多，兑换业更为发达，出现若干专营铜钱兑换的金融组织，称为钱店，又叫钱铺、钱庄。到了明末，钱庄已成为一种独立经营的金融组织，不仅经营兑换，还办放款，供给签发帖子取款的便利。
也就是说，银行并不是突然蹦出来的现代产物，在古代的经济环境中，它照样是可以存在的。
当然，魏延非常清楚，在东汉末年乱世里开办钱庄，肯定会面对许多困难。
首先，钱庄可能会被其他势力抢掠。
针对这一点，从一开始，魏延只会在自己完全掌控的义阳、宛城等地开设，等势力扩大了再慢慢向其他地方发展，都会在有重兵把守的城市设置。
其次，钱庄的兑换业务存在隐患，魏延这一方的金、银、优良的钱币会被敌方私造的伪劣钱币吞灭。
针对这一点，魏延只容许以前大汉朝廷官方铸造的五铢钱和真金、白银流入，严禁其他势力私自铸造的钱币在魏延势力范围内流通。
每个钱庄都有良币的样本，从成色、字迹、重量等多个方面鉴别，一旦遇到敌方私造的钱币，一律视为假币，全部没收。
再者，普通百姓开始是不太认可钱庄，魏延便先对军中将士、官员、商人放开存贷业务，等势力稳固以后，再对普通百姓放开，那时候那些百姓对魏延也有了信任度。
开设钱庄的步伐跟魏延势力的扩展是相辅相成的，会稳健地有序地发展。
钱庄这个新事物的提前问世，肯定会面临各种各样的苦难，注定好事多磨。
很多人只会看到困难，却没看到每当克服一个困难会赢得一个发展机会，他们不愿意去正视困难、去克服困难，所以他们个人的发展也是很有限的。
魏延与众不同，他是一个迎难而上的人，他看到开设官办钱庄蕴藏的巨大利益和美好前景，所以，即便是有再多困难，他都会兵来将挡，水来土掩，一个个地化解，突破，只为得到那巨大利益。
魏延给钱庄起了一个很有寓意的名字，延财钱庄，口号随之而来“延续您的财富，延长您的财运，请投延财钱庄。”
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