Chapter 1069： Lend money to the emperor

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Giovanni Di Lorenzo de Medici was simply mad at Malcolm's management of the Siena Bank. Although he only got 10% of the shares, he was very satisfied. After all, this is nothing.

You know, the total share capital of Siena Bank exceeds 1.5 million gold coins, and 10% of the shares are almost more than 150,000 gold coins. It is simply a windfall.

What makes Giovanni Di Lorenzo de Medici most important is that with the management of Siena Bank, he can use the power of capital to help himself. For example, in the future pope campaign, he withdrew hundreds of thousands of gold coins from the Siena Bank to help him bribe the cardinals.

Even when bribing those cardinals with voting rights, Giovanni Di Lorenzo de Medici did not bother to send real gold and silver, only to issue a copy of the Siena Bank Just check. Anyway, after the cardinals got the money, they also had to deposit it in the bank. In this way, it is convenient for both parties to write a check to the other party.

Even better, because there is no need to pay cash, this cheque is issued without affecting the daily operation of Siena Bank. The bank's money can also be loaned out as usual. In other words, even if Giovanni Di Lorenzo de Medici gave the bribes to the cardinals, the money remained in the Siena Bank, allowing the bank to continue lending to make money. Even in this era when modern commercial banks have not really taken shape, there is no need to pay interest on the deposits of those cardinals. Because, in this era, the deposit has no interest. Probably until 1580, after the Bank of Venice completely reorganized the world's first commercial bank, the deposits began to have interest. Before that, saving money in the bank was only equivalent to letting the bank keep it. Even people who save money have to pay bank custody fees.

Of course, it was in other countries, as was the Daming Bank in the same period. But now in Italy, the four major financial states no longer charge storage fees to attract depositors to deposit money in their own banks.

Moreover, in this era, the banking industry is not called a bank. For example, the Siena Bank should actually be called "Siena Loan", and its main business is lending. And those big customers put their money in for safety, not for interest. Of course, depositing money into the bank is also very convenient. For example, it is inconvenient for you to take 300,000 gold coins from Rome to Paris. However, it is very convenient for you to bring a cheque of 300,000 coins. Of course, the premise is that the bank where you save the money has branches in Rome and Paris. In addition, 300,000 gold coins are not a small number, and need to be reserved in advance, so that the bank has enough time to mobilize funds.

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Although Marin is very reluctant to return the cash of 1 million gold coins, it looks like a loss. However, he killed the dozen or so Siena banker families because of his suit. Therefore, the ownership of Siena Bank now belongs to Marin. Of course, Marin gave 10% to Giovanni Di Lorenzo de Medici as a political investment.

Although Marin gave the management rights to Giovanni Di Lorenzo de Medici, Marin made his own request. That is, don't lend money to France!

why? Because France is too strong and shameless. If you lend money to France, it is easy to cause you to be repaid. Even if Marin could use Blackwater ’s mercenaries to collect debts, he would be helpless in the face of too powerful France. In line with the principle of "don't lend money to someone stronger than you", Marin asked not to lend money to France so as not to be dismissed.

It's just that Marlin was very worried about whether to lend money to Maximilian I. Because Maximilian I did not meet the requirements of borrowing money according to the principle of "don't lend money to someone stronger than you". But the problem is that Maximilian I was his ally. If you don't borrow money, it seems a little unreasonable. However, if I borrow too much money, I am afraid that this famous poor ghost emperor can't afford it ... Although Maximilian I has a good character, he is poor. In the end, this product died on the road to hiding debt ...

When consulting with Giovanni Di Lorenzo de Medici to restore the Siena Bank, Marin knew that Maximilian I would also come to borrow money from himself.

Of course, Marin now has an excuse not to lend-I want to return the money robbed from the bank of Siena ...

However, Giovanni Di Lorenzo de Medici thinks that he can consider lending money to Maximilian I. The reason is-Maximilian I had a great career, even if he had no money, there are many mines that can be mortgaged. Even, Giovanni Di Lorenzo de Medici believes that the territory of the Habsburg family Netherlands can be used as a mortgage ...

"Netherland's territory? What's the value?" Marin was confused. In his impression, there seems to be no mortgage-worthy industry in the Netherlands. Those territories, although nominally belonging to the Habsburg family, specific to the land actually belong to the local nobles and large landowners. When it comes to mines, it seems like the Netherlands, which is the Netherlands, has no valuable minerals ...

"No!" Marin suddenly exclaimed. Because, he remembered-the current Luxembourg also belongs to the Netherlands territory of the Habsburg family.

The Principality of Luxembourg is currently an important principality in the German region, and even the Holy Roman Empire has seen three emperors of the Luxembourg dynasty.

However, because of the heir to the Luxembourg dynasty, the Principality of Luxembourg also fell into the hands of the Habsburg family. At present, the Duke of Luxembourg is the handsome king Philip, son of Maximilian I.

Of course ~ www.novelhall.com ~ Maximilian I borrowed money to win Switzerland. In the end, these territories were inherited by the handsome king Philip. Therefore, if Marin asks to mortgage Luxembourg's iron ore, Philip will not refuse. Anyway, laterite iron ore in the Gutland Plain in southern Luxembourg has not yet been developed on a large scale. Only Marin bought some iron ore, but the number is not large.

Marin, who owns the Ruhr area, is currently worrying about not having enough iron ore sources. For now, the iron ore mines close to the Ruhr area are mainly the Lorraine iron ore mine in the Principality of Lorraine and the laterite iron ore mine in the Gutland Plain in southern Luxembourg.

But the problem is that the Principality of Lorraine is currently on the French side. Marin couldn't fight the idea of ​​the Principality of Lorraine unless he was ready to fight against France.

Therefore, the lateritic iron ore in Luxembourg is the most easily obtained iron ore in Marin. Moreover, the Habsburg family is short of money. Marin can borrow money to obtain the ownership of the Luxembourg iron ore through mortgage.

So, Marin, who was planning to obtain the lateritic iron ore in Luxembourg, invited Maximilian I to explain to him that he wanted to return the cash from the bank of Siena. Then, it is recommended to borrow money from Siena Bank. The head of the bank is currently Giovanni Di Lorenzo de Medici ...