第一七八章 黄金白银
最新网址:m.ltxsdz.com
博孚钱庄将严氏家族借贷25万两银子购置石头山东麓工部废弃作坊建造碾米厂、紫阳观为建造大型医馆借贷20万银子、南京军械厂借款60万两银子修筑固山铁城的消息陆续散布出去,很快引发积极的市场反应。
原本抱着大量银子观望的中小地主和富商们。在有息储蓄政策的刺激下,纷纷把埋在家中地下的银子整窖整窖的挖起来存入博孚钱庄,选择半年至5年不等的定期储蓄方式,换取3%—8%的年存款利息。
至此,大明朝诞生了依靠存款利息过日子的“食利阶层”。
有本事有门路但苦于手头资金不足的中小商人和作坊业主们,纷纷前往博孚钱庄总号和各分号,详细了解贷款利息、期限和契约规则。
120多名作坊业主和中小商人在拥有抵押或者找到担保之后,顺利获得博孚钱庄1年至3年期限的中小额贷款,月息为1.5%—2%,仅为大明各地钱庄最低借贷利率的30%。而且契约公平,条款清楚,引发社会各阶层的强烈反响。
半个月时间不到,博孚钱庄南京总号和七个分号的贷款总额激增170万两银子。而三个月来的存款总额迅速突破1,000万两银子,达到了创纪录的1,050万两,而且还在缓慢增长中。
七大分号每天下午五点,都要派出数十名全副武装的侍卫,护送装载白花花银子的特制解款马车,前往博孚总号存放。原本张德义开玩笑说恐怕永远也装不满的博孚总号两座地下银库,如今已经被白花花的银子和金灿灿的黄金占据了四分之三。
面对博孚钱庄资本扩张高速发展的大好势头,之前从未遇到过这等情况的股东们没有感到喜出望外,反而是慌张失措,深恐存款太多贷款太少而导致巨额亏损,群策群力加强放贷宣传的同时,一致要求朱道临帮忙出点子。
朱道临听到存款总额竟然超过千万两白银后非常惊讶,经过反复思考,他才明白这样一个事实:
大明帝国其实并不是没有钱,没钱的是制度腐朽、贪婪败坏的中央朝廷和各级衙门,是被文臣们利用圣人之言、被曲解的历史和“煌煌大义”死死约束的皇帝!
大明朝也不是白银紧缺,流通紧缩,而是全天下的财富基本都集中在了地主富绅和世家门阀的银库里,在以工商业主和各级胥吏为主的中产阶级手里,整个社会的财富观还停留在千年之前。
持有的黄金和白银的人都藏着捂着以防万一,绝大部分都没有进入流通领域,越是乱世越是如此,而现在大明天灾不断,外有东虏扣边,内有甘陕民乱流窜中原,正是乱世将起的征兆。
朱道临推断,博孚钱庄坚固地库里的千万两白银,不到金陵三百里范围内现有黄金白银存量的百分之五!
朱道临甚至恶意地想象:六月初六的黄河决堤淹没了四个府数十个县,也淹没了无数家庭地窖里、墙角里和坛子里的千万两黄金白银,其中恐怕绝大部分已被垮塌的房屋和洪水带来的泥沙长久埋没。
如今仍在不断暴乱、不断平叛的豫南、淮北和鲁西十几个县,战火烧毁、被穷凶极恶抢掠和失散埋没的黄金白银,至少也有五百万两以上!
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