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零点看书吧 > 穿越小说 > 李自成的明末游戏 > 正文 第53章 不行就全弄死

正文 第53章 不行就全弄死(第3页/共3页)

的款项,称为“内盘”。新钱庄的信用便由内盘

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规模决定。

不交钱别想开张。

公会也称会馆、公所、行会等。有些是同行业商号成立,比如颜料会馆、粮业公会;有些是同省同府老乡成立,比如山西会馆、潞安会馆;还有少数为士绅所立,多在京师,用来“跑部钱进”。

会馆绝大多数都是商业性质。“通商易贿,计有无,权损益,征贵征贱,讲求三之五之之术。”

京城的晋商会馆,明代已有平遥颜料商的颜料会馆;临汾、襄陵两县油盐粮商的临襄会馆,临汾纸张、干果、颜料、杂货、烟叶商的临汾东馆;潞安铜、铁、锡、炭、烟行的潞安会馆;山西烟商的河东会馆,布商的晋翼会馆等等。

市场繁荣商人增多,形成了工商会馆出现的基础。

士农工商的格局延续千年,商人备受鄙视。官吏、牙行的敲诈盘剥也需要商人们联合起来进行抗争;

为避免恶性竞争,维护行业利益、规范市场行为,商人们有需要联合起来设立会馆,自定规则,自我约束;

流寓地商人与本地商人之间发生利益冲突需要会馆这样一个组织来进行协调;

会馆为外地商人寄货、栖身、生养、死葬等提供保障,使商人获得了归属感。

会馆内部运作与外部整合中的“行规”、“条规”、“章程”、“俗例”,往往经同行协定,有的还经过报官立案,得到官府批准承认。

内容涉及入行资格、入行费用、原料取得、经营规模、货物好坏、计量标准、罚则及供奉和祭祀神灵等方面,同时在发生纠纷时成为行业内部调处和官方裁判的准则。

比如“买货不得论堆,必要逐宗过秤,违者罚银五十两”;“落下货本月内不得跌价”;“不得在门外拦路会客”;“要新开行者,必先打出官银五十两到店吃饭,俱要饭钱”等等

会馆收入来源主要包括捐项、厘金、香资、房租、利息、批头等项,支出则包括会馆的修缮费、祭扫费、演戏娱乐费、日常接待费、义馆义冢费等。1厘金,会馆成员每卖出一批货都要给会馆缴纳抽成。

会馆并不一定都是好的,垄断起来欺行霸市的不少见。

比如,对外坚守价格同盟,不许跌价;不准外人新建商号;成员不允许在本地新开设分号;不许给伙计涨工钱;招收几个学徒也有规定……

李自成的农工商钱庄贷款利息是两分,扣头又没有,这就犯了行规。

“咱们是因为需要顾客交纳抵押物,所以利息才降了一分,事出有因。再跟会首谈一谈,送点钱。我也没闲工夫跟他们多扯淡,不行就全弄死。”

“我再去商量……”

沈方暗暗擦一把冷汗,这短毛老爷够狠。

倚仗这种大靠山做买卖,那叫一个痛快! 『加入书签,方便阅读』

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