第29章 贷款练兵(第2页)
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“专候葛兄佳音。”
何大庚把折扇一收,起身走了。
葛老板把他送出大门,回到里屋问刘掌柜:“你说咱们借还是不借?”
刘掌柜半闭着双眼思量了一会儿,缓缓开口道:“既然利息划算,又有官府出面用厘金做保,咱们借他些也无妨。只是一年之期太久,因此压占金额不宜过大,以免耽误柜上周转。”
“我也正顾虑此节。”
葛老板关上屋门,稍稍压低了声音:“眼下朝廷内忧外患,洋人步步紧逼、贪得无厌;各地民变频仍、乱匪丛生。社稷飘摇啊,谁知道一年之后会是何种光景呢?
“是,安徽河南一带的捻子已成气候,山东境内有白莲余党四处作乱,兖州一带的幅匪还没消停,曹州又闹起了长枪会,其他州县也不时传出暴民抢掠之事。”
刘掌柜黯然附和:“东家所虑果然比我更深一筹。”
二人把形势说的如此严峻,魏永明也不禁在一旁皱眉彷徨了几秒钟,随即又醒悟过来:大清社稷还能飘摇好几十年呢,我又何需替古人担忧?
想到此处,他忍不住抿嘴笑了笑,虽然没出声响,但轻松之情已显露无遗。葛老板扭头瞥了他一眼,淡淡说道:“登初,你是团练帮办,不妨也说说看,咱们借多少钱合适?”
以往每逢何大庚来找葛老板开口要钱时,魏永明这个团练挂名帮办总感觉夹在中间左右为难,既不希望让何大庚空手而归,又不忍心看着东家的银子被拿去打水漂。所以只能尽量保持沉默,或者说些似是而非的废话。
然而这次有所不同,既然是借钱,那便是互惠互利的事情。魏永明略一琢磨,沉声答道:“虽然当下时局纷乱,但北方一带还算稳固。东家若是忧心匪患,不如干脆给予团练更多支持,帮助维持地方治安。况且有官府厘金作为还款来源,何先生又答应在利率方面照顾咱们,本金利息都有保障,依我看最好能多借些。”
“噢?嗯。”
葛老板垂下眼皮沉思片刻,未置可否。
“年轻后生,只见利而不见害。”
刘掌柜对他的观点十分不屑:“假如只贪图利息,自然是多多益善。可若借出本金过大,期间但凡遇到动荡不测、或是柜上存入太少而支取太多,定会出现难以应付的局面。”
“何必这样死心眼呢?银钱业的本质就是资金融通,想想办法嘛。”
魏永明不以为然的冲他笑笑:“团练借三万两银子是打算用一年的,咱们不必一次拿出太多本金,完全可以分批放给他们,这样一来。。。”
“你说谁死心眼?!”
刘掌柜略感不快,带着几分火气打断了他:“所谓分批,无非是将借款日期错开少许,又有何实质不同?何况越晚借出便要越晚才能归还,反倒更难掌握!”
“老刘,你先让他说完。”
葛老板拿起茶盅喝了一口,有些迟疑的看向魏永明:“听你话里的意思,是想由咱们广盛泰把这三万两借款囫囵包圆?”
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