第一百一十章 大清龙钞
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紫禁城慈宁宫，范毓宾得到了赐座，坐在布木布泰和康熙的对面。龙腾小说ltxsba.com?其余的七大皇商，两王、靳家、梁家、田家、翟家和黄家却没有得到赐座，只能站在范毓宾两旁。同样得到赐座的，还有图海、纳兰两名重臣。
“皇上，老佛爷，关于扩大山西票号一事，奴才已经让人调查过了。那伪明王逆，他自己手中有真金白银，他们通过海贸赚钱，又通过开办银行，吸取储户把黄金白银存入他们的银行里面。仅仅是在江南一地，他们就吸取了士绅和商人存入五千多万两白银！又通过行宝钞，吸取了两千多万两白银！”范毓宾说道。
布木布泰冷哼一声：“他们吸取了那么多银子，那还不是挥霍到军饷和火器制造上？到时候储户要取银子，他们有银子给吗？”
范毓宾回答道：“回老佛爷！这正是王逆现宝钞的高明之处！他们吸取了储户白银，并作出保证，无论是储户拿着存银凭证还是拿着宝钞，都能兑换到真金白银！而他们手中也确实有那么多真金白银提供给商人和储户。但是问题在于，他们给军队军饷，给工匠薪水，给官员俸禄，用的却不是真金白银，而是宝钞！这样他们的军饷开支，衙门官员小吏开支，火器生产开支，就能节省不少银子，以宝钞取代。所以他们吸取到的金银不会减少，只要储户要来兑换，他们就能依据承诺兑换给储户。”
说白了，南洋银行目前还是金本位和银本位制度混合，也就是有足够的真金白银保证纸币的信用度。
纸币的信用度提高之后，给军队的军饷，给官员小吏的俸禄，给工人的工资，都可以用纸币来取代白银；朝廷还能通过南洋银行行的纸币，从农民手中购买粮食，购买各种农产品，能用纸币从商人和工厂主手中购买各种商品，纸币就取代了金银的作用，这样就能保证国库内金银充足，金银不会流失。
当然了，如果所有的储户都要兑换金银，出现挤兑现象，那么南洋银行就会难以支撑，甚至会面临倒闭的危机。不过目前南洋银行信用度极高，不管是富人还是普通老百姓，都愿意把金银存入南洋银行，因为高信用度的保证，也不可能出现挤兑现象。
而且这个年代也没有金融战争，不可能出现有人恶意操作，通过挤兑来搞倒南洋银行。就算是清廷那边真的有那么聪明的人，来恶意对付南洋公司，王新宇也有办法渡过难关，可以通过南洋公司来救济一下，南洋银行也不至于倒闭。不过清廷出现一个懂得用金融手段对付南洋公司的人根本就不可能。
布木布泰和图海他们几个虽然不懂得什么金本位还是银本位，不过被范毓宾这样一说，也有些明白。
“原来王逆是通过宝钞随时可以兑换金银，来保证宝钞。若是所有人都用宝钞去换金银，王逆手头能有那么多金银兑换吗？”布木布泰问道。
范毓宾回答道：“奴才在江南有人，也有人在王逆的南洋银行当伙计。根据奴才了解，王逆不会过多行宝钞，以保证宝钞的信用度和能够兑换相应的金银。所以说，所有人都去兑换金银，王逆也能拿得出来。”
“对！”站在一边的田家掌柜说道，“王逆财力雄厚，所以宝钞有保证。不过根据奴才们的估计，目前王逆行宝钞是收拢金银的办法，等到他得手了，必然会让宝钞慢慢贬值，掠夺民间财富！”
“为何会慢慢贬值？”布木布泰问道。
“因为他还要保证宝钞的信用度，虽然我们对南洋银行不很懂，但是我们山西票号和他们的南洋银行却是想通，凡是做票号的，信用度就是银子！他不可能一下就砸了自己的金字招牌。”范毓宾说道。
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