第八百一十五章 皇家钱庄
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这种问题一旦在脑子里生了根，就会无时无刻的都在想着寻求答案，偏偏在这个时代，这种问题是不可能有答案的……
对于聿明家的这些学霸来说，越是找不到答案的问题，就会越是执着。无上天道的探寻便是这样一个似乎永没有答案，却永远都不会放弃的一个问题！
于是乎，现在全族的人都魔怔了……
聿明老头岂能不怒？
偏偏房俊的话语还真就没有错，想要推翻他的话，只能是自己跳出来，对他的话语无视。
可是这种哲学的问题就像是一个大坑，聿明家这种最讲究哲学思辨的家族，进去了容易，可是想要跳出来就难了……
孔颖达突然对着房俊冷笑：“自作聪明的小子，被人骗了尚不自知，简直可笑！”
裴行俭和聿明老头都诧异的看向孔颖达，不知这位夫子为何口出惊人之语。
房俊笑吟吟问道：“何以见得？”
孔颖达板着老脸，指着聿明老头手上的账簿，讥讽道：“以往世人皆传房二郎乃是财神转世，能点石成金，老夫也曾深以为然。可是现在看来，不过是以讹传讹而已。一千五百多万贯？呵呵，你也真敢想！朝廷一年不足三千万管的税赋，乃是现钱、布帛、麻布等等物品的总和，江南之地再是富裕，也不可能拿出一千五百万贯的现钱！”
裴行俭点头道：“夫子所言极是，不说一千五百万贯，便是半数，也极为困难。当初大总管令那几家拿出六十万贯来赎人，便已经是大费周章，这么多的钱，定然是拿不出的。”
孔颖达愕然道：“你既然知晓，为何不提醒这小子，反而让他自作聪明？”
这么多的现钱，江南士族就算是刮空库府也决计是拿不出的，想要对上数目，那就只有以田产、房舍相抵。可是田产乃是一个家族的根基所在，就算那些士族愿意白白给你一百万贯，也决计不会拿出十万贯的田地抵给你！
如此一来，岂不是竹篮打水一场空，只图个账目好看，实则却根本收不上钱来？
怎么算，房俊这都是一笔烂账。
房俊笑而不语。
孔颖达恼了，拍拍桌子，愤然道：“两个毛娃子，跟老夫卖关子是吧？到底打着什么鬼主意，还不赶紧道来？”
聿明老头也饶有兴致的看着房俊，想要看他如何解决。
孔颖达发了火，房俊也不敢再逗他，站起身推开窗子，指着不远处的一栋建筑，说道：“那里将会在明天开始，成立一家钱庄，名字就叫做‘皇家钱庄’。”
孔颖达一头雾水，看看聿明老头，这位也是两眼迷茫，浑不知“钱庄”为何物……
倒不是两位老头孤陋寡闻，而是“钱庄”是到目前为止，是绝对没有出现过的行当。
古代的封建社会没有统一的金融机构，致使长期存在的多元化货币制和多种货币混合流通状况，使货币兑换在春秋战国时期已经存在，而正规兑换业务则自西汉开始出现，到了本朝，金银柜、当铺等行业承担了这份业务。而放贷多是由民间自由发行，无人监管，泛滥成灾。
直至到了明朝中叶之后，真正意义上的“钱庄”才出现。
孔颖达奇道：“‘钱庄’又是何物？”
房俊淡然道：“简单来说，就是一种用别人钱来赚钱的买卖。”
孔颖达看傻子一样看着房俊：“哪里有傻子愿意把钱给你，然后让你赚钱？”
“呵呵，夫子不信？这种傻子世上多得是。”
房俊得意非常，这种用“智商”碾压古人的感觉很爽，尤其是被碾压的这位还是当时鼎鼎有名的大儒，那份快感就更美妙了……
聿明老头忽然插话道：“大总管所言，可是让别人把钱存放在你这里，然后你再拿出去放印子钱，将本求利？”
房俊对聿明老头刮目相看了。
孔颖达也明白过来，不过还是摸不准房俊的套路，别人有钱不会自己去放印子钱啊，为何要存放在你这里，让你白白生利？不过他听出了房俊话中的另外一层意思，问道：“简单来说是将本求利，那么复杂一点来说呢？”
房俊嘿嘿一笑：“汇率兑换、统一货币、若是有朝一日能承担起铸钱的资格，啧啧啧，那才是发了大财！”
在这种生产力低下的封建社会，最赚钱的生意莫过于银行！
当有一天大唐的铜钱金币能够汇通天下，将不啻于千军万马……
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