第一千零四十三章 印子钱的末日(2 / 2)

墨唐 将臣一怒 1398 字 2022-08-12

“为何是三分六厘,像墨家村银行一般年息六厘到十厘不是更好。”魏征不解道。

“魏大人有所不知,墨家村银行的贷款年息六厘到十厘的确是极为仁义,然而却需要足够价值的抵押物,哪怕借贷人还不上墨家村银行也不会有太大的损失,然而民间借贷却并没有抵押物,如果是年息六厘,恐怕没有多少人甘愿冒风险借钱,而如果利息过高,比如说坊间的一文钱游戏,恐怕没有人能够还的清,最后只落到家破人亡的下场,而三分六厘则是大部分人都能还的上的上限,既能保证放贷人的利益,又不至于让借钱人走上绝路。”李承乾朗声道。

“太子殿下有心了!”众人看到李承乾所虑极为周到,不禁颔首道,利息低了无人愿意放贷给别人,借钱人恐怕无人相助,如果利息高了,借钱人还不起,也会酿成惨剧,李承乾将极限定在三分六厘可以说兼顾了放贷人和借钱人两方的利益。

“如果借贷双方签订白纸黑字的契约,借钱人自愿承担四分甚至是更高的利息呢?”一个官员有些心虚道,他乃是受子钱家的请托,故意在朝会上寻找太子的破绽,以为子钱家找出破局之路,一旦白纸黑字的契约生效,那日后子钱家自然可以利用此漏洞来继续放贷印子钱。

不少官员眉头一皱,墨家守信千年广为流传以及墨家行事必签订契约的带领下,大唐最为重视契约精神,一旦签订契约就会立即生效,如果双方签订和高息借款,恐怕这个事情也就难办了。

李承乾看了这个官员一眼,不由冷笑道:“若非走投无路,天下没有人愿意承受高息利息,契约虽然是借款人自愿签订的,但是想必也是逼不得已。所以哪怕是签订契约也同样不行,借款人最多偿还年息三分六厘的利息,剩余的利息不必还钱。”

百官点头,所谓契约乃是双方自愿签订,自然应当遵守,而满朝文武大臣恐怕没有一个相信所谓高息借款条约乃是心甘情愿签订的。

“那在之前已经借过印子钱,应该如何还!”忽然墨顿出声,给子钱家致命一击。

子钱家请托的官员不由侧耳倾听,这可是关系子钱家的利益,

李承乾铿锵有力道:“只要父皇应允,从即日起,天下所有的利息最高不过年息三分六厘,之前已经借过印子钱的同样如此。”

子钱家请托的官员心中一沉,照此下去,子钱家恐怕将会损失惨重,不过让他松一口气的是,朝堂并没有翻子钱家的后账,对于已经结清的贷款并没有继续追究。

“父皇,如今民间印子钱蔚然成风,百姓深受其苦,儿臣恳请组建驿站银行,监管天下钱庄和银行,以及民间借贷,让放贷之人有利可图,让借贷之人能够渡过难关,并有能力还上。如此方可达到共赢,让民间安定。”李承乾郑重请求道。

所有人的目光都集中在李世民的身上,只见李世民起身掷地有声道:“准!此事就交给太子了”

“多谢父皇!”李承乾大喜道。

群臣不仅一片哗然,谁也没有想到李世民竟然同意让李承乾组建驿站银行,要知道一旦如此,李承乾手中可以掌控巨额的财富。

然而众人不知道让李世民决定组建驿站银行的则是窘迫的朝堂财政,不断蔓延的砖路犹如一个吞金兽一般,还有这一次西征高昌更是几乎掏空了朝堂的家底,如果能在组建驿站银行,就可以为朝廷带来源源不断的财富,他这个皇帝又能实现财富自由了。

除此之外,那就是墨家村银行和子钱家的钱庄横空崛起,作为一个帝王,他又岂能放心如此庞大的财富在民间汇集,而驿站银行可以监管天下钱庄银行,正中李世民的下怀。

当然最重要的还是要杜绝印子钱再现,子钱家利用印子钱在大唐肆意吸血,搞的大唐民怨滔天,能够让天下百姓感恩戴德之事,李世民自然不会错过。

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