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零点看书吧 > 玄幻小说 > 带着铁路到大明 > 正文 第46章 老朱眼里的纸钞【求追读】

正文 第46章 老朱眼里的纸钞【求追读】(第3页/共3页)

金银铜尚未被发掘之前作为钱币使用。”

“金银铜以及布帛、贝壳、纸钞都能作为钱币,这就说明,钱币只是用来交易的一种工具而已,是一种信誉符号。”

“以上几种,除了纸钞外,其本身都足够珍惜,或具有一定价值,所以才被人们信任。”

“纸钞本身价值低廉之极,想要成为百姓信赖的钱币,就必须有信誉保证才行。”

“保证金便是由此而来——后世国家发行纸钞,都会以黄金作为保证金,也有金银并用的。”

“一般而言,发行一文钱的纸币,最好是有一文钱的保证金。”

“虽然就现实而言,朝廷一般都会钞法,但必须有限度。”

“根据后世对古代钞法的研究,主要是参考宋代钞法的经验,纸币钞法最好不要超过保证金的三倍。”

“至于估算国民生产值,其实是对纸钞的另一重保证——主要是为了避免民间钱币过少或过多的。”

“对于大明此时来讲,要估算国民生产值太难办到,也没有后世那么大的意义。”

“想要保证大明宝钞的价值,其实只需设立保证金制度,再允许百姓向官府有司以铜钱兑换纸钞,便足够了。”

至于允许用金银进行交易,乃至向官府有司以宝钞兑换金银的事,刘宽没提。

后世都不允许这么做,大明不允许也是行纸钞之法的必然政策。

朱元璋听完一阵沉思后,看向朱标,“标儿,你怎么看?”

朱标道,“父皇,既然妹婿已经道出我大明钞法唯一的、也是核心的漏洞,我们便依后世经验,设立保证金制度便是了。”

朱元璋点头,道:“既如此,刘宽你回头便写一份保证金相关的奏本交上来吧?”

“对了,你关于六部改革的奏本还没写完吗?到底何时能交上来?”

刘宽尴尬。

他最近忙于科技司的事,关于改革六部的奏本都忘了,好在他本就要写完了。

于是道:“过几日,微臣会将两份奏本一起呈上来。”

马皇后此时道:“重八,宽儿既要忙科技司的事,又要给你写什么望远镜、银镜制法。”

“这六部改革、保证金之事虽然重要,却不紧急,你便多容他些时间,也能思量的更加周全。”

刘宽听完,心道:还是丈母娘疼女婿啊。

不像老朱,就知道压榨他。

朱元璋听了马皇后的话一笑,“也罢,便多容你几日,把奏本写好些。”

经过这么一番谈话,午宴菜肴早就摆了上来。

由马皇后把关的宫廷菜肴味道依旧不错,刘宽却没了品味的心思。

他匆匆吃完,便向老朱一家告退,离开紫禁城,径直去往科技司··· 『加入书签,方便阅读』

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