第一百六十四章 后悔的储户们
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历时一月，第一批准备投放市场的银元被赶制了出来。龙腾小说网ltxs520.com
这批银元一套共有五类，分别是壹圆、伍角、非、壹角，同时还附带一批铜币，面额只有伍分、壹分两类。
铜币自然是为了方面百姓日常生活购买玄商品或者更换零钱所需，如同皇家银行虽不发行纸币，但依旧发行同银票具有同等性质一样的钞票一样，为的是方便大明的经济生活。
不过，这钞票代表的至少是五千银元以上的面额，为的是方面大宗买卖的交易，但为了稳定钞票的价值，钞票数量是被严格限制的，皇家银行发放多少钞票就得储蓄多少同等价值的银元，因而也不必担心这个会影响普通百姓的生活。
按照朱由校的安排，这第一批货币将首先用作对官员和皇家科学院工程院以及军械司和皇家工程院等各类国家产业的工匠的俸禄发放。
其次，一部分则被递解进皇家银行准备应付百姓们的兑换。
为了鼓励百姓兑换银元进行经济活动，朱由校已同时命令各大报刊花大篇幅宣传统一货币，不直接以金银为货币的好处。
虽然不一定保证百姓们能听懂，但只要官方一直说好，三人成虎，众口铄金之下，也能潜移默化的让百姓们觉得这是好事。
更何况，与此同时，户部还直接公布告示于各大报刊和各大城门口，并抄送文书至各级地方衙门，日后赋税征收只收银元。
可谁知，这消息一经公布顿时引起轩然大波，许多人想当然的以为这是朝廷敛财之策，有好事之徒甚至扬言朝廷只怕想借银两铜钱兑换银元之际再收一笔钱。
存储在皇家银行的银元也因此在一开始很少有人来兑换，甚至有人还因此担心皇家银行会借此吞没他们的银钱。
因而，许多人不但不来皇家银行来兑换银元，反而争先恐后地持着存根来犬。
“李员外，您可得想好了，您这三万两是存的一年的定期，按照文书上的规定，您得在明年的五月十四日才能取，您现在取不但没有利息，还得额外支付三十然的违约金？”
胡寿春很耐心地朝一个存款大户李员外解释着，但李员外却是直摆手道：“我知道，不就是一千两嘛，我赔得起，总不能让那两万九千两也叫你们吞了。”
“那好，给李员外萨两万九千两！”
胡寿春这么一喊，李员外也没想到如此顺利，愕然问道：“我真可以炔？”
“是的”，胡寿春毫不犹豫的回答后，李员外深怕这家仗着有皇家关系的所谓银行来个不认账，不准自己取，如今见皇家银行没有要不认账的意思，心中倒也长舒了一口气。
而其他在外面观望的储户见此也忙来犬。
早先因高达十分之一的利率而来的这些储户们现在一个个都不要利息甚至愿意以倒赔的方式冗自己的存款，这不得不让人感叹，大明的百姓对除金银外的其他货币的信用度有多么低。
就因为此，皇家银行开办不久就遭遇了第一次挤兑风波，由于之前的储蓄银两一部分已经被铸造成了银元，一部分已经作为募兵军饷由各营指挥使带走，所以，现在这挤兑风波一来，皇家银行就面临着银根吃紧的地步。
朱由校不打算逼迫百姓们在非自愿前提下存进银子取出来时换成银元，但他也有相应的鼓励措施，即愿意取出的是银元者可免除违约金。
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