第188章 【黄承彦来负责】
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魏延将钱庄的大致运作跟王粲讲了一遍，然后问道：“仲宣，你可有意担此大任？”
王粲低头细想一番，然后果断地摇摇头：“属下只会算术，并不通晓这些商贾之事，怕是让主公失望了。龙腾小说网ltxs520.com”
魏延长叹一声：“此事事关大业兴衰，何人可以为我筹谋？”
王粲又细想了一下，忽然笑道：“主公，属下举荐一人，此人不但才堪胜任，而且绝对值得主公信任。”
魏延大喜，连忙问道：“何人？”
王粲笑道：“正是主公的岳丈，承彦先生。”
魏延陷入沉思，他丈人黄承彦，给后世的印象是个山间隐士，可细想一下，黄承彦可是南郡名士蔡讽的大女婿，蔡讽的儿子是蔡瑁，小女婿是刘表，能娶到蔡家那样的高门大户的大女儿，还跟庞德公、司马徽交往甚为密切，只是一个隐居山间的隐士吗？
此前，魏延去过黄家坞堡一次，发现黄家坞堡的规模并不亚于那些累世公猴的世家坞堡，而且，黄承彦的祖父、父亲之前都没做过什么官，为什么黄承彦能娶了蔡讽的大女儿呢？
真相有一个，那就是黄承彦跟糜竺一样，善于经营。
时常有人说古代分士农工商，重农抑商，实际上，当富裕到一定程度，社会地位已经跟名士可以平起平坐了，就像糜竺的先祖世代经营垦殖，养有僮仆、食客近万人，资产上亿，所以到了他这一代，就被陶谦征辟为别驾从事。
黄承彦也一样，虽然祖上没有高官，但凭着他的经营，创下一大片财富，养活了很多襄樊名士食客，所以才博得蔡讽的肯定，娶了蔡讽的长女。
而魏延看到的事实，正如魏延所猜想的，黄家并不是通常人们以为的隐居山间的寒酸人家，反而是大富之家。
为什么他不像糜竺那么有名，原因很简单，承彦不但低调，而且有一点吝啬，他没有像糜竺那样把钱财全压在刘备身上。
那一世，他女婿诸葛亮成了刘备的军师，正当黄承彦想要投资到刘备身上，刘备却被曹操打得跑路了，襄阳被曹操占据了，而黄承彦大部分产业都在荆北，那就没奈何了。
李严稍微思考了一下，发现有些不对，质问道：“大家存入的钱总共就那么点，日后大家都能多取一些，那钱庄里的钱只会越取越少，最后全部取空，我想知道钱庄自身是怎么钱生钱的，不然我们的钱财放在里面也长久不了。”
黄承彦毫不介怀李严的无礼，按照魏延拟定的方案，慢条斯理地说道：“延财钱庄向社会所有阶层放贷，数额从一百钱到一百万钱不等，但都必须要有相应的抵押，士大夫以上级别有一定的信用豁免，贷款一个月有千分之二的利息，贷上一年有百分之二的利息，利息逐年递增，贷上五年就有百分之二十的利息。”
魏延又在一旁详细解释了一下借贷、放贷、抵押、信用等概念。
黄承彦越听越佩服魏延的头脑，挥笔如飞，将魏延这些金玉良言都一一记下。
魏铁听黄承彦和魏延这样一说，明白了延财钱庄不但能保证住不亏损，还能有盈利，但他想不明白一个问题，就问黄承彦：“承彦先生，我想问一下，如果大家都不向你们钱庄借贷，你们放不出贷款，那该怎么办？”
黄承彦一下子被问住了，连忙向魏延求救：“贤婿，该如何是好？”
魏延微微一笑，解答道：“我们的贷款是向我平南将军治下所有人都发放的，包括商贾、士兵、士大夫、地主、富农，甚至贫农、佃户、奴仆也能贷到款，只是数额不等。商贾要扩大生意，需要资金，钱庄欢迎他来贷款，他生意发达了，就用利润来还贷款和利息，如果垮了，原本的抵押就没收，钱庄绝不亏损；士兵需要钱财来替补家用，那就来贷款吧，打胜战了有赏金和军饷来偿还贷款和利息，打败战或战死了有抚恤金和抵押物品，钱庄不亏；至于那些没有土地想做小买卖的，咱们钱庄更为他们打开大门。”
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