187 大铁公司(中)(1 / 2)

天启风云 孤舟六百 1523 字 2023-07-25

“钱庄业务?”福王一听不由得皱起了眉头,他想了想说:“以前放贷给别人,三分五分的利才有点赚头,现在皇上已经要求把借贷利息降到最高不超过一分,钱庄的生意只能算做得走,想赚钱难呐!”

天启似笑非笑地看着福王说:“原来三王叔以前还放过三分五分的高利,看来朕的东厂、内卫还有锦衣卫都是吃干饭的,居然对三王叔高利盘剥百姓的事不闻不问。”

旁边的内卫太监和锦衣卫首领顿时跪下说:“臣等失职,请皇上责罚!”

福王一听脸色大变,急忙站起来解释说:“皇上,臣只是听说有这么回事,臣自己绝对没有高利盘剥过百姓,请皇上明察!”说完也要跪下请罪。

天启急忙拦住福王说:“三王叔快请坐,朕只是那么一说。”说完挥手让跪下的太监和锦衣卫人等都起来,然后说道:“大家都别紧张,这是大铁公司,是不需要下跪的地方。不过每个人都应该明白自己的职责,有就改没随时警勉自己不要犯。”

见大家都连称尊旨,天启说:“三王叔开始说少了三分五分利没赚头,是站在想赚钱的立场去考虑问题的,所以才会觉得一分利太低了。假如换一个立场去考虑问题,朕认为一分利都很高了。”

福王一听天启这样说,于是开口问道:“皇上有什么奇思妙想?”

天启摇了摇头说:“奇思妙想没有,朕只不过知道一个道理,就是互相都有利的合作才能够合作得长远。比如说一只母鸡,你如果把它一刀宰了也不过只能吃两顿,假如你天天喂它粮食让它给你天天下蛋,对人对鸡都是有利。”

李启元说:“皇上的意思是细水长流?或者说是薄利多销?”

天启点头说:“细水长流也好薄利多销也好那只是一个方面,朕的真正意思是每个人都要明白自己的身份和职责。朕开始说了,官员也好商人也好,都是为朕做事的。那么朕又是为谁做事呢?一是为了祖先传下来的江山社稷,二是为了天下的黎民百姓。所以最终说来所有人都是为了国家和百姓做事,明白了这一点那么赚钱也不难。”

福王苦笑道:“皇上,臣明白了你的意思,但臣还是不明白怎么赚到银子。”

天启摇头说:“三王叔不明白怎么赚钱,就不是真正明白了朕的话。这样说吧,这花钱的方式有两种,一种是花起来不愿意而且花起来很心疼的花钱方式,另外一种花钱方式是花起来很舒服花了还想花的方式。朕的意思是我们要避免让人心疼的赚钱方式,那样做有一次没二次属于一锤子买卖还让人怨恨。我们应该做的就是要让人花起钱来心甘情愿还不花不痛快的赚钱方式,这样才是长久之计。”

李启元听了迟疑着点了点头,要摇了摇头,最后说:“皇上的话有些道理,臣好像明白了点但仔细一想又好像什么都没明白,请皇上说具体点。”

天启点了点头说:“还是那句话,我们不要老想着怎么在百姓身上赚钱,要以为他们服务的角度去想问题,要想到他们最需要什么。从他们最需要的事上出发,替他们解决了问题的同时我们也赚到了钱,互相都有利才能长久。比如说在开钱庄这一事情上,百姓最需要的有三样,一是在危急是能够借到钱,而且利息不能太高;二是有钱了能够有地方存放,而且还能够得些利息;三是需要一个安全的银钱携带方式;从这三点上做文章才能有利可图。”

福王想了想说:“皇上说得有道理,如果都是三分利五分利地放贷,生意差不说还没有回头客。如果利息低借贷的人就多,赚头不见得不如高利,而且还能落下个好口碑,皇上厉害啊!”说完笑眯眯地看着天启。

这时候湖广商会的曹会长说:“皇上的意思在下知道也曾经尝试着去做过,不过最后没做走只得放弃了。”

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