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第55章 牛肉馅的大饺子(2 / 2)

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“想白嫖,也不是没有办法。”程处亮略微沉思了一会儿,喊了一声程鼎,“鼎叔,带房伯伯去一下咱们家的财库。”

财库很简单,就是一间封闭的房间,里面堆的满是铜钱,少说也有上万贯。

房玄龄看完一脸奇怪不解的看着程处亮。

“房伯伯、杜伯伯,首先钱财放在家里,不安全。使用起来也不方便。不管是豪门大户还是地主商贾,现在存钱的方式都是一样的。”

“但出门采购,拉着几车铜钱,用着也不方便。如果这个时候,朝廷在全国各县,设立大型的钱庄,让别人把钱存进来,有钱庄保管并提供专用的钱票,不管在什么地方,凭借钱票就可以随时取钱,那是不是就方便多了?”

简单说,钱庄就是银行的雏形。

目前而言,市面上的钱庄很难经营,大多数都是高利贷分子开设的当铺,分出来一部分资源用于做钱庄。

但是放贷有风险,存钱的人也很谨慎,今天开的钱庄,没准第二天就黄了。

“钱庄很难做的,况且也没办法白嫖啊?”房玄龄被说的一头雾水。

“朝廷的钱庄,有朝廷作保。不收取保管费用,还给储户利息。然后全国打击黑钱庄,给朝廷的国有钱庄正名,让市面上只有的钱庄。”

“这不是亏本的买卖吗?朝廷真没钱了,不能这么折腾。”房玄龄果断拒绝。

“目光短浅了不是?好歹你也是大唐帝国的财政大臣,要把目光放的远一点,利息才多点钱?”

被人说目光短浅,房玄龄也没生气,反而一脸期待。一旁的李世民和杜如晦也是一样。

“我给你举个例子,我们家一年的开销大概在五百贯左右,可我存钱万贯。这就需要雇佣账房先生来经管钱财,在加上每年铜钱的维护保养,都是一笔巨资。

但如果我把钱存进钱庄,就能省掉这笔钱。钱庄帮忙保管钱财,还能拿利息,何乐而不为呢?”

李世民愣了好一会儿,愣是没听明白什么意思,杜如晦则是陷入了沉思。

房玄龄是大唐的首席财政大臣,举例之后立刻发现了重点,“你的意思是,百姓们的开销只是收入的一小部分,多数都会存起来。但存钱最安全的不是放在家,而是放在朝廷手里。短时间内,很少有人会动存款,这时候钱坊就可以随便支配这些钱了,对不对?”

“对,不愧是房相,不是那群酒囊饭袋能比的。”程处亮点点头。

“可问题是,如果有人存了一大笔钱,朝廷要是把这笔钱用了,人家来取怎么办?”房玄龄问道。

“多找人存钱,存钱的人越多,越不会出现这样的问题。甚至是很多人半辈子都不会动用存款的。”

程处亮自信的笑了笑,“为什么私人钱庄会倒闭?是因为没有后续的资金链,但朝廷不一样,朝廷还有税收跟着,在任何人看来,朝廷都不会没钱的,所以百姓也会放心的存钱。这就是个积少成多的事情,变百姓穷,但百姓是国家的主体,只要带动百姓存钱,钱庄就不会倒闭。”

刹那间,房谋杜断的眼睛都直了,这个办法牛逼啊。

等同于皇帝把全国的钱财都集中在一起,朝廷想做什么就做什么,不会一直被缺钱困扰了。

老李也终于明白,开钱庄是什么意思了,顿时把目光对准了关陇的狗大户:“贤婿啊,怎么才能让五姓七望,心甘情愿的在钱庄存钱?”

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