第四百九十四章 银行窘境
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提到这银行的事情，二人一起去找了庞玉坤，这六州银行的事情一直由他来处理，现在最了解状况的是他。
到了府衙，萧铭和庞玉坤说到了银行的事情，他立刻带着萧铭和李开元到了东市，在东市沿街的一排商铺中他见到挂着青州银行匾额的官方银行。
“殿下，这就是了，一个月前银行就已经面向百姓营业了，只是前来银行的百姓寥寥无几，还不如曹家钱庄来的热闹。”庞玉坤叹息一声。
李开元忙着解释道：“不过殿下，这曹家钱庄热闹也都是因为商贾，百姓们很少去曹家的钱庄。”
无论是银行还是钱庄，这对封国的百姓来说都是一个陌生的事务，他们宁愿把银子藏在家中也不愿意拿出来存到银行中。
即便萧铭十分得人心，但是百姓们心中自有自己的秀盘。
青州银行的门面几乎和曹家钱庄相同，都像是一个监狱，账房被关在里面，而百姓在外面办理存取。
扫了眼匾额，萧铭和庞玉坤走了进去。
这块地皮还是府衙从一个商人手中买下的，看重的就是东市的人流量，不过现在这里宛然成了这一块最冷清的地方。
青州银行中的三个年轻账房看见庞玉坤和萧铭进来立刻从懒洋洋的状态中恢复了精神，一个个正襟危坐。
“殿下，这青州银行现在就是这个样子，不死不活的，下官也没有办法了。”庞玉坤毕竟不精宛融，对此也是一筹莫展。
银行对萧铭来说是下一步刺激民间资本发展的重要手段，他问其中一个账房道：“你们具体是如何办理百姓的存鹊务的?”
“和曹家钱庄一样，收取部分银子帮助百姓把银子存在银行中，同时给他们开具银票。”账房说道。
听到这个，萧铭的脸顿时绿了，这没有交代庞玉坤如何经营银行，这问题果然就出现了。
他叹了口气对庞玉坤说道：“现在开始，百姓存然律不得收萨子，而且告诉他们，他们的银子在银行中还能够涨钱。”
“涨钱！殿下，这我们不白白亏了银子吗？”庞玉坤不解道。
萧铭说道：“我们怎么会亏？银行收了银子，再把这些银子借给百姓办工坊，这借出的银子可以收然部分利息，我们才是空手套白狼。”
庞玉坤一时间没有反应过来，琢磨了一会儿他忽然恍然大悟，“殿下，高，实在是高，这等于我们拿别人银子赚钱，在从这赚的钱中拿出一部分分给百姓。”
“没错，比如百姓存银子每月可以得到千分之三的利息，我们借出银子的时候可以收颧分之五，无论如何府衙总会不吃亏，这才是银行金融，庞首辅，你点你要向李开元学学了。”萧铭的笑道。
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