第二十五章 交子
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“虽然最后这十贯钱又回到了张员外手中，但在这十贯钱流通的整个过程当中，却让社会上多一件首饰、一把刻刀、一个月的粮食，还让农夫得以交上了田租。这就是我为什么一开始就提到货币流通的重要性，只要流通，它就能给社会产效益。而纸币在流通上恰好有着天然的优势，如果处里得好，它将大大地带动整个国家的繁荣。还有一点想必赵兄也知道，历朝历代国家经济一但发展起来后，由于中原地区缺铜，所以大多都会出现钱荒，也就是有一天大家突然发现钱不够用了。最终只能又回到以物易物的路子上去，极大的制约国家经济发展。而发行纸币就可以有效地解决这些问题。”
赵祯听了频频点头，这些道理他不是不懂，只是作为一国之君，百事缠身，没有在这方面深入地去细想过，现在听许清侃侃而谈，觉得挺有道理，于是抬手表示让他继续。
“还是回到‘流通’这两字来，呵，咱们汉人有个习惯，那就是有了钱首先想的不是怎么花，而是想着怎么把钱埋地下更深些，这交子作为一种信誉货币，它不象金银一样能长埋地下，这也逼着有钱人不得不想法去把它花掉，这也变相促进了国家的经济流通。”
“信誉货币？这话怎讲？”赵祯对许清口中的新名词看样子挺感兴趣。
“呃，这个嘛，金银与铜钱我们可以把它归类为硬通币，而交子这等纸币我们把它归类是信誉货币，因为它不像铜钱等，即使不当货币使用，还可以拿来制作铜器什么的。交子只是一张纸，它能流通起来，全靠人们相信它，一但它的信誉不行了，那它就是废纸一张了。所以，相信朝中大臣也知道，发行交子是有讲究的，不能多发，否则必将导致整个国家经济混乱，也就是通货膨胀，发行的交子也就变得不值钱了。”
这么一说赵祯倒是理解了，他记得天圣元年发得交子时，就准备了几十万贯铜钱作为准备金，赵祯这时倒想考考他了，于是他问道：“那么许秀才认为我朝该发行多少交子才合适呢？”
这倒把许清给为难住了，毕竟他在金融方面连半吊子也算不上，在这里也权当侃大山而已，他想想说道：“这具体发行多少合适嘛，除了受准备金的限制外，目前最好是根据国家的税收来计算货币的流通量。从中得出一个发行量的依据。”
“你刚才所说的通货膨胀又作何解释？”
许清对自己说顺口的后世名词也无奈，一时不注意又顺出一句通货膨胀来，也只能说道：“这个嘛，我们还是举例子来说吧，在一个海岛上，有三个人，他们手上有价值三贯钱的东西，于是他们共同决定发行三贯交子来作为交易的货币，可由于某些原因，他们最终却发行了十贯的交子，他们所有的东西本来只值三贯，现在却多出了七贯的交子在流通，这就是通货膨胀了。反过来，如果他们只发行了一贯交子的话，那么交子就不够他们用来交易，这就是通货紧缩。这两种情况其实任何一种都会造成市场混乱。”
许大少爷脸不红心不跳，一通瞎侃下来，分明是欺负古人不懂新名词。
“嗯，有道理，我听说朝廷这几年来由于连年用兵，国库空虚，许秀才有什么法子解决吗？”赵祯这明显是有点病急乱投医，连一直在一旁听着的阎文应都忍不住想摇头。
许清有点怪异地看着他，吸了吸鼻子才一付慵懒地说道：“我说赵兄，您不是皇帝，我也不是朝中重臣，这么严肃、这么重大、这么艰难、这么……总之，咱们还是换个话题吧，这个问题我拒绝回答。”
阎文应终于忍不住扭头到一边去偷笑了。赵祯也被他说得有些心虚，生怕许清真猜出他的身份来，连忙带有些掩饰地说道：“许秀才不必在意，咱们就随便聊聊，朝廷不是有广开言路的旨意嘛，咱们聊聊不必忌讳什么，再说了，我们做为读书人，不是也应该多关心一下朝政嘛。”
许清把棋子“啪”一声，重重按在了棋盘上，来了个绝杀：“赵兄，这十贯可是我的了哦，哈，既然赵兄这么说，咱们就权当聊聊，若论来钱快的办法嘛，我这还真有一个，只不过嘛，小弟我还打算哪天有能力了自己运作呢，呵，所以……”
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