第八百八十七章 金点子【万字求票】
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房俊只是稍一沉吟,便说道:“本侯可以让皇家钱庄为贵县百姓提供一笔贷款,按最低利息结算,然后在本侯的江南船厂订购一批新式的渔船。但是有一个要求,孙县令要拿贵县的财政收入做担保,若百姓有赖账或者无力偿还者,即由贵县的财政收入偿还。”
资助一个穷县几百条小渔船,对于房俊的财力来说没什么难度。但是他不想这么直接,有钱人可以做善事也必须做善事,但是也要有个度,善事做得多了,也会成为一种把柄和污点,尤其是在君权至上的古代。
人心是一件很重要的东西,对于帝王来说,无比敏感……
既然如此,不若由此事上实验一种模式,由皇家钱庄放贷、县衙担保、百姓收益的一种新的扶贫模式,类似于宋朝的“青苗法”。
县衙代替国家征税,在上缴税赋的同时会有一部分的截留,这就是县衙一级政府的经费,是财政收入,国家是不会给予县里另外的财政拨款的。
有县衙来担保,可以避免百姓与钱庄之间的扯皮。当然也会出现县衙从中加息获得额外报酬这种不合法的收入,但是与大部分百姓收益这方面来说,绝对是利大于弊。
“青苗法”的好处毋庸置疑,但是他给予县衙一个类似于强制性的“名额”限制,这就变相的将一个好政策变成了土豪劣绅盘剥百姓的手段。
房俊前世就当过官,最是理解“从来没有完美的政策”这句话里的无奈和含义。
再好的政策,也会有这样那样的弊端,也会有恶劣之辈从中钻营而谋私利。一项政策的施行过程当中能够做到利大于弊,就是一项好政策,不能因为一些瑕疵的地方,就去抓住缺点从而无限度的攻歼……
改革总是伴随着阵痛,古今皆然。
孙承恩先是一愣,随即狂喜,不过依旧谨慎的问道:“敢问侯爷,不知这贷款的额度……是多少?”
“理论上说,可以是无限度的。但是必须遵从一个原则,那就是自愿。这件事情上,县衙的作用是牵线搭桥并且提供担保,但是本身毫无收益,也不允许有收益,你可明白?”
县衙无收益,但是在政治上有加分,州府看得到,刺史看得到,皇帝也会看得到。若是县衙有了收益,就意味着从中盘剥了百姓,就是大罪。
孙承恩激动得长身而起,没有施行官方的礼节,而是深深的弯腰一揖,衷心敬佩道:“素闻侯爷有天纵之才,能在如此短的时间内便想出一个造福于万民的好法子,下官衷心敬佩。但是更让下官敬佩的,却是侯爷这颗为了百姓谋福利而殚精竭虑的心思,请受孙某一拜!”
一揖到地。
房俊赶紧起身将孙承恩拉起来,他也是很欣赏这位能够无视自己的政绩亦要为百姓的真正福利谋算的官员,笑着说道:“不仅仅如此,本侯尚有一件捕鱼的利器,请孙县令稍等,本侯这就将图纸画出来,尔可以请吾房家铁厂的工匠帮着打造一批。”
房俊格物之道、奇技淫巧的本事独步天下,就算是再孤陋寡闻的人也会听说过,孙承恩又惊又喜:“下官何德何能,侯爷厚爱了!”
“不是给你的,是给百姓的,希望全天下的渔民都会在此物之上得利。”
房俊说着,命人拿来笔墨,当即写写画画。
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