第15章 群臣定计(2)(1 / 2)

吕昶颤颤巍巍的走了出来,老人家平时有几分平和的眼神,今天却变得有了三分恶毒之意。

恭恭敬敬的行了个礼,慢悠悠的开口说道,“启奏陛下,臣有本奏……”

朱标没说话,只是轻轻的挥了挥手,示意他继续往下说,这内阁和军机处就相当于小朝廷,这文武百官,皇帝不可能找每个人去议事,所以开大朝会的时候,基本上就是宣布,只有这种小朝会才能有来有往的相互商量。

“臣以为,帝国要在西方建立稳定的钱庄,发行大明宝钞!”

群臣一阵无语,这谁不知道大明宝钞早已经被皇帝废弃?这种东西是从国库里出来就贬值,而且扁的还很厉害,旧的没人愿意要,新的就算是收也要打折扣,大明宝钞上明明写着白银十两,但是花的时候却只能当八两或者七两来花,如果你这宝钞破旧不堪,能不能花出去还得另算……

这种玩意儿纯粹就是当时百废待兴,大明朝太穷了,缺金少银,才弄出个这么个东西,现在大明的龙钱,在群臣的眼中简直就是完美无缺,银币按照固定的比例铸造好,也不像之前那样,拿着一块银子砍来砍去,最后朝廷收税的时候收上来的都是银渣子!

而且有银渣子就需要重新铸造,重新铸造就要收火耗,因为这个火耗确实是有,民间的麻银熔成朝廷的官银,确实是有损耗,但是这个东西就会给很多贪官污吏机会。

这大明朝虽然达不到康麻子那样火耗收到八成,但是偶尔冒出几个贪官,收个一两成的火耗,那也是要搞的天怒人怨,到时候朝廷震怒,搞不好就得掀起大狱!

但是朱标却明白吕昶的意思,脸上的神色略微缓和了一些,“吕爱卿的意思真明白,你继续说下去!”

吕昶的脸上闪过了一丝喜色。

“我帝国钱庄在西方必须要完全中立,不存在任何偏向,这样才能吸引西方百姓,把他们手中的钱财存在钱庄之中,只发行给他们大明宝钞,最后一旦帝国撕破脸皮,这东西就是废纸,一马车也未必能换来一个馒头!”

朱标忽然想起了后世的某个小胡子,忽然想起那五十万一个的面包,眼神之中闪过了一丝复杂,但很快就坚定了下来。

“这个事情确实要弄,朕这几天也要提及,咱们大明帝国现在私人钱庄横行,毕竟百姓们都有钱了,龙钱的重量又太重,出门不可能都带着!”

朱标顿了顿,直接开口说道。

“咱们帝国就不要用钱庄这种词了,就叫银行吧,也可以让咱们大明的百姓把钱存在帝国银行之中,分为死期活期,活期的话就是随时可取,死期的话,就是存到年限,朝廷可以付给他利息!”

“这件事情还可以和户部联合起来办,取钱的时候需要拿着银行的本票,再加上户籍的证明……”

吕昶扑通一声跪在地上,本来苍老的眼神之中焕发了生机,“陛下雄才大略,微臣佩服!”

朱标随意的摆了摆手,“好了,吕爱卿就负责这银行一事吧,就叫大明皇家银行,以皇家的脸面向天下人保证,这银行一定万无一失!”

吕昶的眼神之中闪过了一丝坚定之色,“陛下放心,微神就是拼了这条老命,也要把这银行办的明明白白!”

朱标微微点了点头,其实他自己心明镜的一样,这金银本位的经济,肯定是去不了银行的,之前大明民间的钱财不多,百姓们对于朝廷的信任也没有那么深重,就相当于朝廷在民间没有信任度。

如今经过朱家父子两代的努力,百姓们对朝廷的信任已然无以复加,再加上现在民间钱庄横行,商人们也开始私立钱庄,这可是不行的,这么重要的事情,必须是朝廷把握!

朱标的眼神之中闪过了一丝阴沉,他又想到了另一种可能,如果这天下之间只有这一家银行,百年以后,是不是又会变得横行霸道?因为没有人和他竞争!所以腐烂是时间的必然性!

各种苛刻的条款也会随之而出,各种腌臜事也会层出不穷!当一个穷苦百姓,跪在大明皇家银行的门口,祈求把钱还给他的时候,估计朱标到那个时候都得气活过来!

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