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第435章 大唐皇家银行

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国库收入只有九百七十万,但是民间羊羔息的总收益竟然高达三千万贯,户部统计的数字只少不多,因为有些羊羔息隐藏很深,有些世家则是买通户部统计官员,让他们划掉或者少写自家的羊羔息收益。

真正算起来,大唐一年的羊羔息利润,保底也得四千万贯!

这种巨资李世民如何能不眼红,皇帝现在可是穷的叮当响,不但养兵买马要钱,还有诸如各地赈灾,水利建设等等等等,哪一项都不是十万八万能搞定的事情。

如今又要建设十万大镇,皇帝一分钱都拿不出来要让儿子去承担,李世民作为父亲其实很羞愧。

韩跃自然知道李世民心中急切,再加上夜色不早,他也想赶紧说完好让大家回去,当下直接道:“儿臣这第九门产业和第十门产业分不开,一曰存款,二曰借钱,两项产业加起来同有一个名字,我给他起名叫银行,大唐皇家银行……”

“大唐皇家银行?”李世民眼睛一亮,先不说这产业到底是啥,光是听名字就觉得大气。

满院之人也都悄悄竖起耳朵,大家都隐隐感觉大唐距离变天不久。

韩跃也不管众人反应,自顾自接续说道:“所谓银行,并不用父皇您投资一文一厘钱,它是用皇家和朝廷作为实力担保,向民间百姓或者朝臣勋贵吸收资金,然后拿大家的资金借给需要的人,以此来赚取其中差价……”

这个解释韩跃已经尽量说的通俗易懂,可惜银行业实在远超大唐时代太多,众人都听得迷迷糊糊,李世民也满脸不解。

“跃儿你说拿别人的钱再借给别人,凭什么啊?”李世民不断沉吟,忽然眼神一冷,森然道:“难道要朕杀一些人去抄家?”

韩跃吓了一跳,满脸都是古怪之色。

不愧是靠着玄武门登基之人,语带问题第一个想到就是杀,天下有六千五百万百姓,难道您能全杀了吗?

无奈之下,只能继续解释,仔细说道:“父皇稍安勿躁,这银行的存款不需要去杀去抢,咱们只需要开出一份利息,不管谁来存款,按月给予计息,比如儿臣有一万贯暂时没用,又找不到合适的买卖去做,这个钱放在家里是不是一点没用,不但要建个钱库保存,还要担心被人偷取抢夺,钱越多越担心,有时候甚至要花大钱雇佣圈养家丁护院……”

李世民沉吟不欲,但是目光隐隐已经有活泛之色。

韩跃微微一笑,继续又道:“闲钱让人苦恼,但是有了银行就不同了。还是刚才那个比方,儿臣的一万贯放到大唐皇家银行,每个月可能生出三十贯的利息,如果一年不予支取,那利息还能调高一些,估摸就是月息三十五贯,年息就是四百多贯……”

“您想想,存钱不断安全,一年还白得四百多贯利息,这个大唐皇家银行是不是很有搞头,这个大唐皇家银行是不是很得民心?”

“民心……”李世民喃喃一声,脸上纠结半天,忽然咬牙道:“也罢,为了民心可取,朕就算勒紧裤腰带也要掏出这四百多贯利息,这是花自家的钱买天下的安,朕决定搞了,就算国库余钱不多,我可以拿自己的私库来贴给存钱之人!”

韩跃张了张嘴巴,好半天说不出话来。

合着他解释半天,李世民竟然以为开银行是个亏本生意,在皇帝看来那个存款利息是要白白掏给别人的。

转头再看看院中之人,发现众人脸上似乎都是这种表情,甚至有些人目光闪闪乱动,看那样子似乎以为自己是个傻逼,也许他们在心中正骂自己是个败家子……

“败家子你妈啊!”韩跃无语翻个白眼,心中腹诽一声。

在这个时代想要搞点东西真的累,别人不懂不说,一个不好就笑你败家,有开银行的败家子吗?

这明明是最大的赚钱产业好不好……

……

……第三更到,今天9000字了,求大家给张票吧

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