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第532章:事态紧急

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“那么你就给欧罗玫解释一下,银行为何害怕挤兑。”

“咳咳,这其实很简单,如果银行只从事吸储业务,那么等到兑现的时候就要连本带息一起归还,铁定亏本,所以银行不可能将储户的金银都锁在保险箱里,而是拿出去放贷,只要确保贷款利率高于存款利率,银行就可以坐吃利差获得收益,”安特脉了扶眼镜,接着说,“贷款收益与放贷期限正相关,很多贷款一放就是三五年,好在多数储户通常也不会集中阮,所以银行柜面上保留一笔应对日常提款需求的头寸就够了,如果有大笔提款,头寸不足,可以向同业拆借,总体来说问题不大,怕就怕出现眼下这种蔓延全城的恐慌局面,人们或者为了应对高涨的物价,或者担心城市被海盗洗劫打算提前逃难,需要立刻提出存款,于是大量储户集中提款,银行柜面头寸严重短缺,同业也面临同样的危机,谁也顾不上谁自然无法拆借,那就只能暂停兑付。”

“说的是啊!我们刚才回来的时候路过两家银行,都贴出告示暂停营业”欧罗玫恍然道。

安特戮了口气,接着说:“那种资本有限的续行承受不追兑的压力,暂停营业反而会加深人们的恐慌,更加疯狂的挤兑。”

“银行可以去找借贷者,提前收回贷款不就有钱兑付存款了?”

“没那么简单,货币一旦进入流通领域就像河水进入汪洋大海,哪里是那么容易收回的?”妮基塔接着安特隆的话解释道:“很多借款者是工商业主,他们早就把贷款拿去买原材料和支付工人薪水了,生产出来的商品还没有销售出去,没有回款拿什么偿还贷款?难道用产品还债?银行从工厂收来一堆铁锅抵债,然后发给储户每人几口锅抵算存款,你是储户你能接受?”

欧罗玫耸耸肩,噘嘴嘀咕:“当然不能接受,我会气得暴跳,把锅连同银行柜台一起砸了。”

妮基塔淡淡一笑:“你就等着看吧,眼下的局面若无改观,全城金融机构的锅都要被砸烂。”

“刚才我还有件事想不通,听你们这么一说就明白了。”维罗妮卡摸着下巴若有所思,“我在黑市里打听了一圈,最近有很多工厂和商店的雇员跑来黑市推销他们的产品,似乎急于变现又不想被人知道,黑市通常是收赃物的地方,为何突然有大量合法的商品涌进来?看来是工厂老板被银行逼急了,不得不设法眷处理掉库存商品换戎金用于还贷。”

“处理库存商品为什么去黑市?公开低价甩卖不行吗?”柳德米拉很纳闷。

“工厂企业上下游渠道之间的交易并非现金即时结算,相互赊欠的债务关系非常复杂,往往要到年底才统一结算,也就是所谓的‘秋后算账’,现在公开甩卖等于释放经营不善的讯号,有道是墙倒众人推,到时候堵门收账的就不只是银行了,只会死的更快。”

罗兰话音方落,面前钢一团红色光辉。他伸手触摸这团“短讯术”具现的魔法能量,默默接收蕴含的信息,过后不由面露苦笑。

“柳博芙恐怕是撑不住了,我得赶紧去一趟吉尔特宫。”

[记住网址龙腾小说ltxs520.com]

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