第436章 要不咱先去把倭国端了(1 / 2)

宝钞之弊是讲明白了,可朝廷如今的问题却仍旧没有解决。

朱肃也陷入沉默,穿越者再能耐,也不过只是眼界比这些古人们稍微高出了一点点,难道还能凭空变出钱财来?

“其实……只要发行方法的合适,宝钞确实可以充实国用,而又与民无害。”朱肃斟酌了一番,开口说道。虽然大明宝钞害国害民,但纸币毕竟是未来的大势所趋,也是朝廷掌控国家经济最为强有力的臂助。

若是让老朱自此谈宝钞而色变,那也不好。

“哦?怎么说?”老朱眼睛一亮,朱标、马皇后也露出侧耳倾听的架势。

于是朱肃便把“国家银行”这一概念,尽量以一种简单的方式阐述出来。但饶是如此,这个概念之中,所涉及到的诸多经济学原理和市场变化,也让三人听得如堕云雾。

“用宝钞将整个国家的经济纳入管控,同时能够由国家出面,给百姓们提供低息贷款,帮助他们度过灾情……”朱标摸着下巴,他似乎听懂了一些,虽然大部分还是如云山雾罩,但可以确定的是,这法子似乎确实能利国利民。“倒是和宋朝王半山的‘青苗法’有些类似。确实是一项善政。”

王半山,便是宋朝曾经尝试变法的王安石。以青苗法类比,老朱便也听得懂了。不过他依然皱起眉头:“善政是善政,可老五你说这宝钞必须要和金银绑定?”

“是。”朱肃点头。“必须要如此。只有这样,才能保证宝钞的币值稳定,不滥发滥印。能够换取真金白银,也可直接保障百姓们的利益。”

“其实纸钞的便利程度,远远超过黄金白银,只要让百姓们将宝钞看做与白银等同,那么十年二十年之后,只怕天下百姓都会使用宝钞来进行交易了。”

“即便依然会有一两成的百姓用宝钞来换取白银,但淤积在朝廷宝钞提举司的白银,也一定会占大多数。这些淤积的白银,便可以拿一部分出来,通过借贷,帮助遭难的百姓们。只需要保证来取银子的百姓不会无银可取便可。”

“这其实可以看做是通过朝廷的力量,将整个天下的银钱都融合在一起,变相的让家有余财的百姓,去帮助突遭灾难的百姓渡过难关,毕竟我华夏百姓大都勤劳勇敢,纵然一时半刻遭灾逢难,往往只要有人肯拉上一把,就能再次把日子过的红火起来。”

“重八,这是个好办法啊!”马皇后拽了拽老朱的衣袖,动容道。“富户们用着宝钞,却是不会去动银子的。这些闲置的银子,便可用作朝廷广施救济。”

“百姓们大都勤劳,只要利息不是驴打滚,他们就不会卖田。保住了田,便是起早贪黑,也会将银子还上的。”

“等于是他们借了日后自己的钱,给现在的自己应急……算来谁都不必蒙受损失,却能救许多百姓的一条命啊……”

哪里用马皇后提醒?此时老朱的思绪,也早已想要了自己那死在灾年的父母……

若是那一年就能有这样的善政,能借来钱度过了灾年……爹娘又如何会绝望而死?自己又何苦把脑袋别在裤腰带上、去打这天下?

那时,若是能借来十两……不,五两银子,咱爹就不必贱卖那几亩辛辛苦苦攒下的田。有了田,咱老朱家想来也能熬过那一场大难。

咱爹妈那可都是种庄稼的好把式,三位哥哥也都是年轻力壮,咱那时候虽然小,却已经能帮村里的财主放牛。一家子人埋头苦干个一两年,就能还得清这笔救命债。

再然后,咱也长大了,爹妈也老了,家里的田就是咱和三位哥哥来侍弄。那时候可以攒些钱养几只鸡鸭,咱和哥哥们在田地里锄地的日子,妹子和嫂子们就会在家里烧好了饭食,里头再卧几个蛋,提在臂弯里给咱送到田边上来……

晚间回家,咱坐在门槛上,一边和爹妈哥嫂闲话,一边哧溜的吃着面条……

那日子,想必十分安逸舒坦吧?

只可惜……

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