第二百六十四章 江南银行

    逆流而行的科学号上。
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    林润下意识捻一块白嫩可爱的牛轧糖，送到嘴里尝一尝。我去，比市面上的好吃太多。
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    爱吃甜食的林中丞，强忍住再来一块的冲动。
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    又问道：“那你们想要开设的江南银行，又是个什么玩意呢？”
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    “中丞可以把它看成钱庄的升级版，我们会对伍记钱庄所有功能进行优化改进，使其变成一家更为强大的……”赵公子寻思片刻，还是找不到合适的字眼替代，只好苦笑道：
第h6wZv0iDGTWrxEVuhhep一h6wZv0iDGTWrxEVuhhep看h6wZv0iDGTWrxEVuhhep看h6wZv0iDGTWrxEVuhhepdh6wZv0iDGTWrxEVuhhep1h6wZv0iDGTWrxEVuhhepkh6wZv0iDGTWrxEVuhhepkh6wZv0iDGTWrxEVuhhepah6wZv0iDGTWrxEVuhhepnh6wZv0iDGTWrxEVuhhep.h6wZv0iDGTWrxEVuhhepch6wZv0iDGTWrxEVuhhepoh6wZv0iDGTWrxEVuhhepm”（style="display:none
    “钱庄。”
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    “嗨，”林润白浪费了一番感情，指着赵昊笑道：“新瓶装旧酒。”
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    “这名字比较好听，银比钱贵，行比庄大嘛。”江雪迎给赵昊圆场道：“兄长是想让我们江南银行，超过天下所有的钱庄。”说着她看一眼林润道：“这离不开中丞和老公祖的支持。”
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    “本院方才说过，投我以木瓜，报之以琼琚。”林润不动声色的点点头道：“你们为府里牺牲这么大，我们当然要竭诚以报了。”
第8RkyewbUOKGB7p一8RkyewbUOKGB7p看8RkyewbUOKGB7p看8RkyewbUOKGB7pd8RkyewbUOKGB7p18RkyewbUOKGB7pk8RkyewbUOKGB7pk8RkyewbUOKGB7pa8RkyewbUOKGB7pn8RkyewbUOKGB7p.8RkyewbUOKGB7pc8RkyewbUOKGB7po8RkyewbUOKGB7pm”（style="display:none
    说完他坐直了身子，正色道：
第nP38IsUCmeKvvZwmT6Hh一nP38IsUCmeKvvZwmT6Hh看nP38IsUCmeKvvZwmT6Hh看nP38IsUCmeKvvZwmT6HhdnP38IsUCmeKvvZwmT6Hh1nP38IsUCmeKvvZwmT6HhknP38IsUCmeKvvZwmT6HhknP38IsUCmeKvvZwmT6HhanP38IsUCmeKvvZwmT6HhnnP38IsUCmeKvvZwmT6Hh.nP38IsUCmeKvvZwmT6HhcnP38IsUCmeKvvZwmT6HhonP38IsUCmeKvvZwmT6Hhm”（style="display:none
    “但江南公司提出，希望从今往后，苏州府百姓所有交给官府的白银，都必须先存入江南银行，然后由江南银行开具银券。官府只收江南银行开出的银券，不再直接向百姓收取现银……这银券就是会票吧？”
第u5GMoeknxActhBogreut一u5GMoeknxActhBogreut看u5GMoeknxActhBogreut看u5GMoeknxActhBogreutdu5GMoeknxActhBogreut1u5GMoeknxActhBogreutku5GMoeknxActhBogreutku5GMoeknxActhBogreutau5GMoeknxActhBogreutnu5GMoeknxActhBogreut.u5GMoeknxActhBogreutcu5GMoeknxActhBogreutou5GMoeknxActhBogreutm”（style="display:none
    “差不多，唯一的区别是，银券不记名。”赵公子微笑答道：“中丞也可以称之为银票。”
第oQkRnn12ZXgxz一oQkRnn12ZXgxz看oQkRnn12ZXgxz看oQkRnn12ZXgxzdoQkRnn12ZXgxz1oQkRnn12ZXgxzkoQkRnn12ZXgxzkoQkRnn12ZXgxzaoQkRnn12ZXgxznoQkRnn12ZXgxz.oQkRnn12ZXgxzcoQkRnn12ZXgxzooQkRnn12ZXgxzm”（style="display:none
    “这样倒是能省不少事。”林中丞手指轻叩着桌面，寻思道：“而且还能解决胥吏上下其手贪腐的问题，也不失为一个好法子。”
第OU5b8ILgAuPQ3c一OU5b8ILgAuPQ3c看OU5b8ILgAuPQ3c看OU5b8ILgAuPQ3cdOU5b8ILgAuPQ3c1OU5b8ILgAuPQ3ckOU5b8ILgAuPQ3ckOU5b8ILgAuPQ3caOU5b8ILgAuPQ3cnOU5b8ILgAuPQ3c.OU5b8ILgAuPQ3ccOU5b8ILgAuPQ3coOU5b8ILgAuPQ3cm”（style="display:none
    顿一顿，他定定望着眼前的少男少女道：“可官府只能收取江南银行的银票，不能收其他钱庄的，这未免有些霸道了吧？”
第5SMLCFuX8YSKrMzPTyDp一5SMLCFuX8YSKrMzPTyDp看5SMLCFuX8YSKrMzPTyDp看5SMLCFuX8YSKrMzPTyDpd5SMLCFuX8YSKrMzPTyDp15SMLCFuX8YSKrMzPTyDpk5SMLCFuX8YSKrMzPTyDpk5SMLCFuX8YSKrMzPTyDpa5SMLCFuX8YSKrMzPTyDpn5SMLCFuX8YSKrMzPTyDp.5SMLCFuX8YSKrMzPTyDpc5SMLCFuX8YSKrMzPTyDpo5SMLCFuX8YSKrMzPTyDpm”（style="display:none
    赵昊和江雪迎对视一眼，前者缓缓摇头道：“正如中丞所言，此乃利国利民之事。兴许霸道一些，但也是为了不让人钻空子，导致好事变坏事。”
第b8qpirUJjkkIdoqJrHqB一b8qpirUJjkkIdoqJrHqB看b8qpirUJjkkIdoqJrHqB看b8qpirUJjkkIdoqJrHqBdb8qpirUJjkkIdoqJrHqB1b8qpirUJjkkIdoqJrHqBkb8qpirUJjkkIdoqJrHqBkb8qpirUJjkkIdoqJrHqBab8qpirUJjkkIdoqJrHqBnb8qpirUJjkkIdoqJrHqB.b8qpirUJjkkIdoqJrHqBcb8qpirUJjkkIdoqJrHqBob8qpirUJjkkIdoqJrHqBm”（style="display:none
    “此话怎讲？”林中丞轻声问道。
第6T5vhzzmLIpNu一6T5vhzzmLIpNu看6T5vhzzmLIpNu看6T5vhzzmLIpNud6T5vhzzmLIpNu16T5vhzzmLIpNuk6T5vhzzmLIpNuk6T5vhzzmLIpNua6T5vhzzmLIpNun6T5vhzzmLIpNu.6T5vhzzmLIpNuc6T5vhzzmLIpNuo6T5vhzzmLIpNum”（style="display:none
    “其实银票不是什么稀罕玩意儿，北宋时，四川就有专门的‘银票铺户’。”赵公子便一边给林润续茶，一边朗声笑道：
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    “跟朝廷印发的钞票不同，银票素来由商人自由发行。但商人的信用如何与国家相比？所以这就要求银票必须是‘见票即付’的。说白了，它只是一种存款和取款的凭据，而并非真正的钞票。”
第yswPPdjb0JD6S一yswPPdjb0JD6S看yswPPdjb0JD6S看yswPPdjb0JD6SdyswPPdjb0JD6S1yswPPdjb0JD6SkyswPPdjb0JD6SkyswPPdjb0JD6SayswPPdjb0JD6SnyswPPdjb0JD6S.yswPPdjb0JD6ScyswPPdjb0JD6SoyswPPdjb0JD6Sm”（style="display:none
    林润点点头，听得十分认真。大明最大的弱项就是金融，比起蒙元都远远不如。
第M4gATVki1hOvRtdgFk一M4gATVki1hOvRtdgFk看M4gATVki1hOvRtdgFk看M4gATVki1hOvRtdgFkdM4gATVki1hOvRtdgFk1M4gATVki1hOvRtdgFkkM4gATVki1hOvRtdgFkkM4gATVki1hOvRtdgFkaM4gATVki1hOvRtdgFknM4gATVki1hOvRtdgFk.M4gATVki1hOvRtdgFkcM4gATVki1hOvRtdgFkoM4gATVki1hOvRtdgFkm”（style="display:none
    至少元朝在完犊子之前，还知道发钞要设立的准备金。朱元璋就敢什么担保都不给，印张纸就敢当钱使。
第4oWYO7LAfGLSH一4oWYO7LAfGLSH看4oWYO7LAfGLSH看4oWYO7LAfGLSHd4oWYO7LAfGLSH14oWYO7LAfGLSHk4oWYO7LAfGLSHk4oWYO7LAfGLSHa4oWYO7LAfGLSHn4oWYO7LAfGLSH.4oWYO7LAfGLSHc4oWYO7LAfGLSHo4oWYO7LAfGLSHm”（style="display:none
    但太祖皇帝毕竟功盖千秋、万民膺服是太祖皇帝，他说大明宝钞是钱，那全国百姓就当它是钱。
第h1GJROMI6eWiFCCzPO一h1GJROMI6eWiFCCzPO看h1GJROMI6eWiFCCzPO看h1GJROMI6eWiFCCzPOdh1GJROMI6eWiFCCzPO1h1GJROMI6eWiFCCzPOkh1GJROMI6eWiFCCzPOkh1GJROMI6eWiFCCzPOah1GJROMI6eWiFCCzPOnh1GJROMI6eWiFCCzPO.h1GJROMI6eWiFCCzPOch1GJROMI6eWiFCCzPOoh1GJROMI6eWiFCCzPOm”（style="display:none
    当然，主要是没人敢不当钱……
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    于是整个洪武年间，宝钞的价值时贬时升，但总体还是值钱的。
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    但经过靖难之役对国家的严重损害，加上朱棣好大喜功堪比杨广，财政枯竭的大明终于开启了无限发钞模式。
第BARvx7LZyLtHuyCjIVf5一BARvx7LZyLtHuyCjIVf5看BARvx7LZyLtHuyCjIVf5看BARvx7LZyLtHuyCjIVf5dBARvx7LZyLtHuyCjIVf51BARvx7LZyLtHuyCjIVf5kBARvx7LZyLtHuyCjIVf5kBARvx7LZyLtHuyCjIVf5aBARvx7LZyLtHuyCjIVf5nBARvx7LZyLtHuyCjIVf5.BARvx7LZyLtHuyCjIVf5cBARvx7LZyLtHuyCjIVf5oBARvx7LZyLtHuyCjIVf5m”（style="display:none
    于是飞流直下三千尺。
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    宝钞从洪武末年，一贯纸钞能换铜钱五百文，贬值到了永乐二年，一贯纸钞只能换一百文。
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    永乐五年，一贯钞换六十文钱。
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    永乐末年，一贯钞换十文钱。
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    宣德七年，一贯钞只值铜钱五文了。
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    正统七年，一贯钞一文钱。
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    土木堡之变后，宝钞更是到了百贯不值一文的绝境，所谓‘积之市肆，过者不顾’。
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    到了正德年间，宝钞实际已经废止。
第XjnWTgc6ojRHVyCBsAa0一XjnWTgc6ojRHVyCBsAa0看XjnWTgc6ojRHVyCBsAa0看XjnWTgc6ojRHVyCBsAa0dXjnWTgc6ojRHVyCBsAa01XjnWTgc6ojRHVyCBsAa0kXjnWTgc6ojRHVyCBsAa0kXjnWTgc6ojRHVyCBsAa0aXjnWTgc6ojRHVyCBsAa0nXjnWTgc6ojRHVyCBsAa0.XjnWTgc6ojRHVyCBsAa0cXjnWTgc6ojRHVyCBsAa0oXjnWTgc6ojRHVyCBsAa0m”（style="display:none
    此后，大明不再发行纸币，亦无法像清末那样向民间借贷。
第5y2Bz4BRAGjFHatv1JWl一5y2Bz4BRAGjFHatv1JWl看5y2Bz4BRAGjFHatv1JWl看5y2Bz4BRAGjFHatv1JWld5y2Bz4BRAGjFHatv1JWl15y2Bz4BRAGjFHatv1JWlk5y2Bz4BRAGjFHatv1JWlk5y2Bz4BRAGjFHatv1JWla5y2Bz4BRAGjFHatv1JWln5y2Bz4BRAGjFHatv1JWl.5y2Bz4BRAGjFHatv1JWlc5y2Bz4BRAGjFHatv1JWlo5y2Bz4BRAGjFHatv1JWlm”（style="display:none
    事实上，大明隆万之后在海外贸易中疯狂敛财，全球三分之一以上的白银流入中国，民间的有钱人不要太多。
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    可谁也不会把钱借给朝廷。
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    无它，因为国家信用彻底破产。再不会有人上当了。
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    ~~
第hVQsetgMuAV9OAjD一hVQsetgMuAV9OAjD看hVQsetgMuAV9OAjD看hVQsetgMuAV9OAjDdhVQsetgMuAV9OAjD1hVQsetgMuAV9OAjDkhVQsetgMuAV9OAjDkhVQsetgMuAV9OAjDahVQsetgMuAV9OAjDnhVQsetgMuAV9OAjD.hVQsetgMuAV9OAjDchVQsetgMuAV9OAjDohVQsetgMuAV9OAjDm”（style="display:none
    甚至可以说，大明朝廷之后的百般困顿，都是源于这种饮鸩止渴的恶性透支。
第0jwJMmdQf28JFv5mCxqd一0jwJMmdQf28JFv5mCxqd看0jwJMmdQf28JFv5mCxqd看0jwJMmdQf28JFv5mCxqdd0jwJMmdQf28JFv5mCxqd10jwJMmdQf28JFv5mCxqdk0jwJMmdQf28JFv5mCxqdk0jwJMmdQf28JFv5mCxqda0jwJMmdQf28JFv5mCxqdn0jwJMmdQf28JFv5mCxqd.0jwJMmdQf28JFv5mCxqdc0jwJMmdQf28JFv5mCxqdo0jwJMmdQf28JFv5mCxqdm”（style="display:none
    在这样一个信用破产、穷的叮当乱响的朝廷中当官，哪怕是应天巡抚呢，也依然什么都做不了。
第gyaos0DBrnzHr8WhaGcp一gyaos0DBrnzHr8WhaGcp看gyaos0DBrnzHr8WhaGcp看gyaos0DBrnzHr8WhaGcpdgyaos0DBrnzHr8WhaGcp1gyaos0DBrnzHr8WhaGcpkgyaos0DBrnzHr8WhaGcpkgyaos0DBrnzHr8WhaGcpagyaos0DBrnzHr8WhaGcpngyaos0DBrnzHr8WhaGcp.gyaos0DBrnzHr8WhaGcpcgyaos0DBrnzHr8WhaGcpogyaos0DBrnzHr8WhaGcpm”（style="display:none
    所以林润想听听，赵昊有没有什么高明的见解，可以启发自己改善困窘的局面。
第ajPtrhjfTLDMJB一ajPtrhjfTLDMJB看ajPtrhjfTLDMJB看ajPtrhjfTLDMJBdajPtrhjfTLDMJB1ajPtrhjfTLDMJBkajPtrhjfTLDMJBkajPtrhjfTLDMJBaajPtrhjfTLDMJBnajPtrhjfTLDMJB.ajPtrhjfTLDMJBcajPtrhjfTLDMJBoajPtrhjfTLDMJBm”（style="display:none
    “由于银票铺户恪守信用，随到随取，所印‘银票’图案讲究，隐作记号，黑红间错，亲笔押字，他人难以伪造。所以银票赢得了很高的信誉。”
第qhw4Wd3XreHF9buNKoR一qhw4Wd3XreHF9buNKoR看qhw4Wd3XreHF9buNKoR看qhw4Wd3XreHF9buNKoRdqhw4Wd3XreHF9buNKoR1qhw4Wd3XreHF9buNKoRkqhw4Wd3XreHF9buNKoRkqhw4Wd3XreHF9buNKoRaqhw4Wd3XreHF9buNKoRnqhw4Wd3XreHF9buNKoR.qhw4Wd3XreHF9buNKoRcqhw4Wd3XreHF9buNKoRoqhw4Wd3XreHF9buNKoRm”（style="display:none
    可惜赵公子的讲解别有用心，目的就是把他带沟里去。
第U7c1y4empD一U7c1y4empD看U7c1y4empD看U7c1y4empDdU7c1y4empD1U7c1y4empDkU7c1y4empDkU7c1y4empDaU7c1y4empDnU7c1y4empD.U7c1y4empDcU7c1y4empDoU7c1y4empDm”（style="display:none
    “于是商人们在进行大额交易时，便不再使用沉重的铸币和现银，而是换成了银票。这大大促进了宋朝经济繁荣。宋之所以在人口国土只有我朝一半的情况下，却远比大明富裕，这小小的银票居功甚伟。”
第jOYvRag1ie一jOYvRag1ie看jOYvRag1ie看jOYvRag1iedjOYvRag1ie1jOYvRag1iekjOYvRag1iekjOYvRag1ieajOYvRag1ienjOYvRag1ie.jOYvRag1iecjOYvRag1ieojOYvRag1iem”（style="display:none
    “是么……”林润不由怦然心动，似乎看到了一点曙光呢。
第IvK1agiEcP一IvK1agiEcP看IvK1agiEcP看IvK1agiEcPdIvK1agiEcP1IvK1agiEcPkIvK1agiEcPkIvK1agiEcPaIvK1agiEcPnIvK1agiEcP.IvK1agiEcPcIvK1agiEcPoIvK1agiEcPm”（style="display:none
    “但并非所有的银票铺户都是守法经营，恪守信用的。有一些惟利是图、贪得无厌的铺户恶意欺诈，在滥发银票之后携款潜逃；或者挪用存款，经营它项买卖失败而破产，使所发银票无法兑现。”
第7dwutnli6q一7dwutnli6q看7dwutnli6q看7dwutnli6qd7dwutnli6q17dwutnli6qk7dwutnli6qk7dwutnli6qa7dwutnli6qn7dwutnli6q.7dwutnli6qc7dwutnli6qo7dwutnli6qm”（style="display:none
    “这样，当存款者取钱而不能时，便往往激起事端，引发诉讼。于是，宋景德年间，益州知州张泳对银票铺户进行整顿，剔除不法之徒，专由十六户富商经营。至此‘银票’的发行始取得官府的认可。”
第iriq6PDPf3kk8w一iriq6PDPf3kk8w看iriq6PDPf3kk8w看iriq6PDPf3kk8wdiriq6PDPf3kk8w1iriq6PDPf3kk8wkiriq6PDPf3kk8wkiriq6PDPf3kk8wairiq6PDPf3kk8wniriq6PDPf3kk8w.iriq6PDPf3kk8wciriq6PDPf3kk8woiriq6PDPf3kk8wm”（style="display:none
    说完，赵昊对若有所思的巡抚大人道：
第yp11AMmwNvodw6aiCuiu一yp11AMmwNvodw6aiCuiu看yp11AMmwNvodw6aiCuiu看yp11AMmwNvodw6aiCuiudyp11AMmwNvodw6aiCuiu1yp11AMmwNvodw6aiCuiukyp11AMmwNvodw6aiCuiukyp11AMmwNvodw6aiCuiuayp11AMmwNvodw6aiCuiunyp11AMmwNvodw6aiCuiu.yp11AMmwNvodw6aiCuiucyp11AMmwNvodw6aiCuiuoyp11AMmwNvodw6aiCuium”（style="display:none
    “我大明的钱庄，汲取了宋朝的教训，又走上了另一个极端。为了防止仿冒、滥发、挪用，改用记名会票，每一笔交易都必须到钱庄柜台才能办理交割。这极大的阻碍了大明工商业的发展，成为我们经济的桎梏，也让朝廷税源枯竭。”
第saE6zU3afTsiO一saE6zU3afTsiO看saE6zU3afTsiO看saE6zU3afTsiOdsaE6zU3afTsiO1saE6zU3afTsiOksaE6zU3afTsiOksaE6zU3afTsiOasaE6zU3afTsiOnsaE6zU3afTsiO.saE6zU3afTsiOcsaE6zU3afTsiOosaE6zU3afTsiOm”（style="display:none
    “所以我们希望重新推出不记名的银票，但同样要汲取宋朝的经验教训。因此我们认为，银票的发行必须做到三点，方能利国利民，有益无害！”
第SfopjgNpPq1BhH一SfopjgNpPq1BhH看SfopjgNpPq1BhH看SfopjgNpPq1BhHdSfopjgNpPq1BhH1SfopjgNpPq1BhHkSfopjgNpPq1BhHkSfopjgNpPq1BhHaSfopjgNpPq1BhHnSfopjgNpPq1BhH.SfopjgNpPq1BhHcSfopjgNpPq1BhHoSfopjgNpPq1BhHm”（style="display:none
    然后他竖起三根手指，沉声道：
第VK7q8yMZDUHBc一VK7q8yMZDUHBc看VK7q8yMZDUHBc看VK7q8yMZDUHBcdVK7q8yMZDUHBc1VK7q8yMZDUHBckVK7q8yMZDUHBckVK7q8yMZDUHBcaVK7q8yMZDUHBcnVK7q8yMZDUHBc.VK7q8yMZDUHBccVK7q8yMZDUHBcoVK7q8yMZDUHBcm”（style="display:none
    “一，方便自由的流通兑换。二，完善的防伪。三，以严格的监管杜绝滥发！”
第0lRaafN7usS1aaWQQ8一0lRaafN7usS1aaWQQ8看0lRaafN7usS1aaWQQ8看0lRaafN7usS1aaWQQ8d0lRaafN7usS1aaWQQ810lRaafN7usS1aaWQQ8k0lRaafN7usS1aaWQQ8k0lRaafN7usS1aaWQQ8a0lRaafN7usS1aaWQQ8n0lRaafN7usS1aaWQQ8.0lRaafN7usS1aaWQQ8c0lRaafN7usS1aaWQQ8o0lRaafN7usS1aaWQQ8m”（style="display:none
    ps.第四更，求月票！