第995章 白银哪去了
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看似和金融市场无关紧要的一件事情,却引爆了整个危机……西班牙是这些年来,白银最大的来源,也是大明第一大贸易伙伴。
原本市舶司贸易量下降,大家伙还弄不清原因,此刻真相大白,有些事情是捂不住的。
大明和西班牙要开战的消息刚传出来,市面上第一反应就是银价飙升。
原本白银大量流入,银和铜钱的比值一度降到了八百个铜钱换一两银子,消息传出之后,银价迅速抬头,半个月时间,就要一千二百个铜钱才能换一两银子,足足涨了五成!
人们从来都是盲目的,见白银狂涨,纷纷囤积白银,连带着银元价格都在暴涨,可合盛元上下一点高兴不起来。
因为市面上的银元仿佛凭空蒸发了一般,变得无影无踪。
各大商行店铺严重缺乏白银,经过了十几年的发展,原本白银和铜钱并重,由于白银供应充裕,重量大,价值低,很不方便的铜钱已经渐渐退出了大宗交易,只是普通百姓之间,日常购物还在使用。
眼下大家伙不得不拿出都快发霉的铜钱,存进票号,兑换白银,应付开支。
光是三月份,东南各地的合盛元分行,就兑换出去一千三百多万两白银,换了一大堆几乎没什么用的铜钱,好好的银行变成了铜臭遍地的铜行!偏偏又没法拒绝。
合盛元简直欲哭无泪!
“晋商以稳健著称,让他们犯错,还真不容易啊!”
唐毅淡淡笑着,晋商接手发行银元和银行券,其实存在一个巨大的漏洞,就是他们只能发行银元,却不能发行铜元,换句话说,铸造铜钱的权力还在户部,铜和银,都是大明的法定货币。
作为银行,票号,是必须接受铜钱的。
原本银价稳定,金融运行健康,什么毛病都看不出来,结果问题出来了,就是要命的漏洞!
当初晋商只是看到了发行货币的好处,而忘了风险,没有思虑周全,盲目吞下了裹着糖衣的炮弹,如今终于尝到了苦果。
“相爷神机妙算,晋商只怕也想不到,宝贵的白银就这么被套走了,真是高招啊!”周沁筠笑着赞叹道。
“周姑娘,你猜我下一步会怎么办?”
周沁筠挑了一下眉头,“奴家哪里能知道相爷的心思,不过我猜您要大举挤兑吧,一鼓作气,把晋商压垮?”
“不不不!”唐毅呵呵一笑,“我会以内阁的名义下令,准许各大票号拒绝铜子存款,或者存铜取铜,不得兑换白银,减轻晋商的负担。”
这位首辅大人脑子有毛病,小时候被驴踢过,后来又被门挤了?好好的绝杀之局,你总是放水,帮着晋商渡过危局,你的脑子里面想的什么啊?
周沁筠满腹怀疑,唐毅却只是神秘兮兮一笑,没有多说。
他亲自请来杨博和张四维,简单商量,立刻就通过了,第二天,就以八百里加急,向各省下达命令。
当公文传出去之后,周沁筠反复推演,突然浑身一冷,吓得几乎跌倒。
唐相啊,你哪里是帮忙,简直是把人往绝路上送!
原本危机仅仅局限在东南,主要是苏州等地,这道令子下去等于是向天下人宣布大难临头了,恐慌和挤兑绝对不止东南,会蔓延到全国。
周沁筠和沈梅君那个自诩的女财神不一样,她是真正的洞庭山帮的核心,手里握着数千万的资产,在东南呼风唤雨,论起赚钱的本事,无人能及。
可是和唐毅在一起,她总觉得自己就像是个傻瓜一样,而且还是地地道道的烂好人,没错,就是好人,因为和唐毅比起来,她简直太善良了。
内阁的命令下达之后,东南的情况一下子好转了,人们不再存铜钱,取白银了,包括钦差王国光都松了口气,银子外流的速度明显下降……还没等他们高兴呢,南昌、济南、徽州、九江、淮安、福州纷纷出现可怕的银荒。
以粮价为例,原本青黄不接的时候,一石粮要一两出头,眼下一石粮只要十二钱银子,不过别忙,如果用铜钱买粮,则需要惊人的三千文!
几乎所有人都在问一个问题:白银哪去了!
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