511 学问大着呢(2 / 2)

张明伟听了,接着回答道:“其二,虽然目前朝廷的声誉因为天下太平起来而恢复了不少,但是,事关钱袋子,如果只是靠这一点的话,恐怕还是没法让百姓相信这钱币就真得是值这个钱。为此,要修改钞法,努力百姓对钱币的信任程度。”

“哦?先生认为,应该怎么做为好呢?”崇祯皇帝问话的同时,堵胤锡等人,也都带着一点好奇看着兴国公。

张明伟听了,便接着侃侃而谈道:“就针对大明宝钞发行失败的原因来进行改正!之前发行大明宝钞,无钞本、无限额,大明宝钞流通发放多、回笼少,朝廷用钞支付官俸军饷、收购百姓的东西,而征税仅搭少量宝钞,又不肯及时回收昏钞,加上制作简陋,伪造方便,因而市场上宝钞数目太多,大大超出大明的实际需要量,自坏大明宝钞的信誉……”

说到这里,他顿了顿,让崇祯皇帝等人有思考的时间,然后才继续说道:“另外,钞法缺少必要的稳定性和连续性。如:实行钞法之初,禁止民间用金银买卖,第二年便下令税粮可以银代输;洪武九年规定钞一贯折米一石,十八年又改为一石米合钞二贯五百文;二十七年禁行钱,专用钞,变更钱钞兼行旧法,此后禁钱令未解除,便又一再铸造铜钱。如此出尔反尔,失信于民,于是钞法乃坏。”

自从上一次张明伟在逛街时看到交易的不通畅之后,根据前世记忆,又让人查了相关记载,他才能这么侃侃而谈。

说完这些之后,崇祯皇帝和堵胤锡等人,果然陷入了沉思,去认真地思考,大明宝钞发行失败的原因。

这一次,过了好长一会之后,崇祯皇帝才抬起头来,看向张明伟问道:“所以,朝廷要贯彻钞法,保持稳定,不管发放新的钱币,还是收回新的钱币,朝廷首先要自己认可?”

“对了!”张明伟一听,便笑着说道,“就是要这么做。而且还是金银铜来做载体,也能让百姓不像宝钞那样不信任。等到以后,大明百姓真得对朝廷信誉完全信任的时候,便可以改用纸币,算是完成向信誉货币的转变!”

说到这里,他还一指不远处的那个蒸汽机车,然后对崇祯皇帝继续说道:“如今震惊世人的事情一件件地发生,也能让百姓开拓眼界,更为相信朝廷能做到他们以前认为朝廷做不到的事情。”

崇祯皇帝听了,抬头看向那台蒸汽机车,若有所思地点点头。

百姓中之前就有传言,不相信新学,不相信什么千里眼,顺风耳,日行千里的东西。可如今,蒸汽机车的面世,绝对会震惊他们。让他们的认知中,能相信朝廷确实能做到他们想不到的事情,增加了威信。

张明伟此时还在继续说道:“如今蒸汽机已经做出来了,等于是提供了一个稳定的动力,对于金属货币,可以用新的方式来发行,也能有效杜绝假冒,把钱币的发行,全部收回朝廷,由朝廷来掌控大明总的钱币多少,从而控制钱币价值的稳定!”

说到这里,张明伟非常认真地对崇祯皇帝说道:“货币发行,是一门非常严谨的学问。如果做好了,便会大大提高百姓的安居乐业,对于中兴大明有难以想象的正面作用。而货币发行如果出现问题,则会严重影响大明的稳定!”

崇祯皇帝听到这话,感觉就有点夸张了,其他人或许会犹豫,崇祯皇帝却是最没顾忌的,当即便对张明伟说道:“先生所言,是不是过于夸张了?”

“一点都不夸张!”张明伟一听,便立刻严肃地说道,“大明一条鞭法之后,全国所有赋税便都折算为银子收取。虽然这么做有很大的好处。可也正是这么做,成了大明以前那么乱的原因之一!”

“不可能吧?”崇祯皇帝听了,不由得非常诧异。

这一次,包括内阁首辅堵胤锡在内,也是附和道:“国公此言,怕是危言耸听了吧?银子而已,怎么可能和天下大乱扯在一起了?”

其他人虽然没有说话,不过都是在点头。就连朱媺娖,都是微皱了眉头,显然也没法理解张明伟的这番话。

张明伟环视了下他们,深深地感觉到,经济学的普及,任重而道远。

于是,他便认真地说道:“我一点都没夸张,这里的学问很多,我可以稍微讲讲,你们便大概能明白一些的!”

听到这话,虽然崇祯皇帝还是不打大相信,但基于张明伟的过往,他便将信将疑地说道:“先生请讲!”

其他人也是竖着耳朵,聚精会神地听着,就想知道,不就是银子么,能有多大的学问?

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