Chapter 1068： Open a bank with the future pope

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After Giovanni di Lorenzo de Medici got into the carriage, Marin asked curiously:

"Brother Giovanni, I remember that the relationship between the Republic of Siena and the Holy See is very poor. Why do so many cardinal churches deposit money in the Siena Bank?"

Giovanni di Lorenzo de Medici thought about it and said:

"You know, Italy has four financial powers Venice, Genoa, Florence and Siena. However, these four countries are all republics, and their relations with the Holy See are not good. Since the relations are not good, which one to deposit The country ’s banks are almost the same. Besides, these bankers do n’t care about your political stance. As long as they have money, they all deposit. And in the four financial powers, Siena is the closest to Rome. Those bishops think If you want to withdraw money, it ’s easiest to get it from Siena! "

Marin thought, this is really the truth. However, he still asked:

"Isn't Florence already belonged to the Holy See? Why didn't the cardinals deposit the money in Florence's banks?" Florence was sent down by Marin, and now the control is in the hands of the Holy See. It is reasonable to store the money in his own bank. what.

Giovanni di Lorenzo de Medici shook his head and said:

"That's right, but those cardinals have been cooperating with Siena Bank for a long time, and they generally don't change banks easily. Moreover, these cardinals don't just save money in Siena Bank, but in Bank of Florence. They also save money. "Many people understand the principle of" don't put eggs in a basket ", not to mention these clever cardinals?

"That means that all the money I robbed from the Siena Bank vault is going to be returned?" Marin wailed.

Giovanni Di Lorenzo de Medici smiled and said:

"That may not be necessary, but you must refund the money of the cardinals in the Holy See!"

Marrington came to the spirit:

"It works! I will send someone to regret Siena, get the account books from the bank account, and return the money to the cardinals according to the account book!"

Giovanni di Lorenzo de Medici shook his head and said:

"It's not that simple. Do you think those cardinals will deposit under their real names? A lot of deposits will be deposited into banks under their pseudonyms, lest account funds be frozen because of the bad relationship between the Holy See and the Republic of Siena."

There are no real-name requirements this year, and many depositors will choose to remain anonymous to avoid being identified. In order to attract deposits, banks also respect customers.

"So, after I found the ticket stub of the bank of Siena, I set up a desk in Rome to be responsible for refunds, so that the cardinals who had deposits could take the bills to cash them?" Marin thought about it and thought of the refund Money way.

"It's better not!" Giovanni Di Lorenzo de Medici shook his head again and again, and explained:

"Those cardinals chose to deposit anonymously, just don't want people to know. Did you set up a desk in Rome to make a public refund, didn't you expose them? And, if you make such a public refund, it will cause a very bad effect. Although everyone I know that the bishops are rich, but there is no evidence. You openly refunded the money, did not let the Roman people see the rich side of the bishops? This will be a serious blow to the prestige of the Holy See! "

"What should I do ?? They deposit money anonymously. How do I know which one is it? Do I have to return the money to continue the operation of the Siena Bank, waiting for them to withdraw money?" Marin said depressed.

Giovanni di Lorenzo de 'Medici shined, saying:

"This is a good idea! Otherwise, you will leave the money and continue to operate the Siena Bank?"

"Continue to operate? But I am in Aurich and I can't take care of Italy at all!"

Giovanni di Lorenzo de Medici said with a smile:

"Did you forget that I am now supervising the banking industry in Florence? One is also in charge, and two are in charge. You are not good at bank operations, I am good! If you are not worried, you can send trusted accountants to stay and monitor the flow of funds! If you think about it, the profit of opening a bank is more than 10%! Money can make money, which is much better than hiding in a warehouse! "

"But I still can't bear the money." That's a million gold coins. How can Marin give it up?

"You are really Brother Marin. Do you know that money can only exert its power if it is circulated? If you can control a large capital bank, your influence in Europe will be very great! Have you heard of it? "Giovanni di Lorenzo de Medici, from the Medici family, is very knowledgeable about finance.

Marin also reacted, being dazzled by the gold. In fact, if he really swallowed this wealth, of course he was rich, but he also made countless enemies unintentionally. Especially those cardinals who have swallowed money by him will definitely hate him. If Julius II wanted to reward Marin's right to colonize the Americas, they would definitely be strongly resisted by them, and maybe Marin would not be able to do so.

After a fierce ideological struggle, Marin finally planned to refund the money. Moreover, opening a bank with the future pope seems to be a very novel thing.

In addition, as Giovanni Di Lorenzo de Medici said, having a mega bank with a share capital of more than 1.5 million gold coins can indeed influence European politics.

Taking control of this bank, Marin can fund his allies according to his own ideas. Moreover, they can also refuse to lend to their enemies. Of course, you can also set up your own enemy and deliberately lend to the other party, but you need an important mortgage

"By the way, what if the lender does not pay the bill? You know, if those big nobles pay the bill, the banking industry has no choice!" Marin asked worriedly.

Giovanni Di Lorenzo de Medici laughed, then replied:

"General aristocrats do n’t want to be delinquent. After all, this is related to the face of the family. If it is spread that a certain aristocratic family is delinquent, then this family will be despised afterwards, and no one will associate with them. In terms of reputation, fame is very important, as much as life! "

Marin thought about it, but he sneered. In general, this is the case, but you absolutely do n’t know. Later, a Spanish king named Philip II invented the rogue trick of "national bankruptcy" and used bankruptcy as an excuse. The bankers' families in Genoa and Deutschland were ruined. The famous Fugger family was ruined by the "state bankruptcy" of the Spanish Habsburg dynasty.

Unlike individual bankruptcy, an individual becomes bankrupt and will be forced to liquidate and auction the remaining assets by the national law enforcement department to repay the debt as much as possible. But after the country went bankrupt, no law enforcement department dared to liquidate and auction the king's property. So, those weak bankers can only admit that they are out of luck.

In fact, during Charles V's reign, Spain owed a huge extra debt of up to 20 million Ducat gold coins because of the hegemonic war. In order to get rid of these debts, Charles V simply passed on to his son Philip II. Then, within two years, Philip II declared the country bankrupt, leaving the big bankers in Spain such as the Fugel family dumbfounded. After several shameless bankruptcies, the Fugel family, once the first financial family in Europe, was dragged down in this way, and left the lessons of the blood of "do n’t lend money to someone stronger than you" for future generations.

After hesitation, Marin told Giovanni Di Lorenzo de Medici of this concern. Giovanni Di Lorenzo de Medici thought about it and thought Marin was right. However, how to solve this problem?

Marin is also trying to solve the problem

"Maybe, you can set up a debt collection company? No, against the big nobility, ordinary debt collection methods are not feasible. Is it necessary to send an army to collect debts? Eh, this seems to be a solution." Marin's eyes suddenly brightened. Then he told Giovanni Di Lorenzo de Medici.

Giovanni Di Lorenzo de Medici looked at Marin Road in surprise:

"Don't you want the Beihai team to collect debts from banks? Is this wrong? Will cause diplomatic problems!" He was frightened by Marin's wonderful ideas anyway.

"Hey, who said I would use the army of Beihai? I can use the mercenaries of the Blackwater Company!" Marin suddenly remembered that he seemed to have a "Blackwater Mercenary Company" shell company. It looks like it can be used as a bank debt collector.

"The mercenary's idea of ​​debt collection is curious but it seems to work ~ www.novelhall.com ~" Giovanni Di Lorenzo de Medici thought after a moment of thought.

"Then it's settled! We will resume operations at the Siena Bank. Brother Giovanni, you will send someone to help me manage. I will send an accountant to supervise the funds. In addition, I will let the Blackwater Company sign an employment agreement with the Siena Bank Contract. Once someone maliciously pays the bill, Blackwater will send mercenaries to collect debts! "

"That's good, just do it! By the way, you have to guard against the customers of Siena Bank's original loans! After all, there are hundreds of thousands of gold Siena Bank loans confiscated outside!"

"Relax, who dare to pay the bills, I will divide 10,000 soldiers and go to the door to collect debts in the name of the Blackwater Company!"

"Haha!"

In this way, Marin and the future Pope Leo X collaborated to reopen the Siena Bank. Marin gave 10% of the shares to Giovanni Di Lorenzo de Medici and asked him to send someone from the Medici family to help him manage. As for myself, I plan to send a group of elementary school graduates from the North Sea country to the Siena Bank to work as an accountant and supervise the flow of funds

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