正文 第038章 金融的作用(第2页/共3页)
主动为了抵御未知风险积攒的钱财，大商人被动积攒的财富实际更多！”
“的确是怎么一回事！”
李延庭附和道，“越是大家族，积攒的财富越多，武朝不像宋朝，有各国市场可以发展，多出来的钱只能埋进地底，想用也没地方用！”
李家不就是这样，土地买到了尽头，商队走遍了武朝，无形的瓶颈下，能发展的方向越来越少，钱财却越积越多。
“这些钱埋这就是死钱，时间长了都不一定属于自己，如果这个时候储蓄利差达到一成，你觉得会不会有人主动挖出来？”
方程打了一个响指问道。
闻言，李延庭摇了摇头，“不会，一成太少，宋朝的高利有多少我不清楚，但我知道境内利差不到一成六，没人愿意借钱出来，想要主动挖钱储蓄，怎么说也要二成才会心动，而且你还得让他们有底！”
二成就是二十个点，你说他高吧，对比前世低利率高的可怕，可说他低吧，他远没触及到高利的门槛。
李延年反驳道，“延庭的考虑不全面，以朝堂为导向建立钱庄，信誉不需要担心，我认为有个一成，也可以吸引来人，至于采用高利，吸引过来的钱得有用处吗？钱庄就算不赚钱，至少也需要一定的利润，不然维持不下去，盘子开的再开，死的也只会更快！”
“的确是怎么一回事，不仅如此，早期还要限定存储金额，超过一万两就不需要处理！”方程加码道，“宋人的钱庄，服务与商人，遵循利益原则，规模，站点的分布，只需落子在重要商路就行！”
“而新式钱庄，除开补齐武朝的金融短板外，更重要是服务与宏观分配，站点少了没意义，下沉不到县城也无用，老百姓接受需要时间，一切都急不得！”
“宋人的老字号钱庄，在太安城多有分铺，你们有时间可以去观察一下，反正这个冬天还长着呢！”
方程的下一步是物流业，利润不俗的同时更可以为方程攒下一批人，相较于古老家族安排私兵的方式，物流业先天需要走南闯北，人员分散在各地，想统计都统计不出来。
弄好了，明面上多少人，暗中就可以藏多少人。
如此，他和姐姐的安全性便可以得到保障。
至于对于银行业，注定是武朝巨头争霸的战场，镇有资格染指都没多少，对此方程没那个想法，更没那个能力。
于其跳进这旋涡，不如蹲在一旁准备偷鸡。
“的确得谨慎，商人无义，做垮了大不了拍拍屁股走人，可我们不行，钱庄之事只能成功不能失败，因为一旦失败，我们就将成为罪人！”李
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