The Rise of the European Emperor

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

"Brother Giovanni, I remember that the Republic of Siena has a very bad relationship with the Holy See. Why do so many cardinals deposit money in the Bank of Siena?"

Giovanni di Lorenzo de' Medici thought for a while and said:

"You know, Italy has four financial powerhouses, Venice, Genoa, Florence, and Siena. However, these four countries are all republics and have bad relations with the Holy See. Since the relations are not good, which one should you save? The country's banks are almost there. Besides, these bankers don't care about your political stance. As long as you have money, they will deposit it. Among the four financial powerhouses, Siena is the closest to Rome. Those bishops think To withdraw money, it is also the most convenient to get it from Siena!"

When Marin thought about it, that was the truth. Still, he asked:

"Isn't Florence already part of the Holy See? Why don't the cardinals put their money in the bank of Florence?" Florence was shot down by Marin, and now the control is in the hands of the Holy See, and it is only reasonable to keep the money in its own bank what.

Giovanni di Lorenzo de' Medici shook his head and said:

"That's right, but those cardinals have cooperated with the Bank of Siena for a long time, and generally do not change banks easily. Moreover, these cardinals do not only deposit money in the Bank of Siena, but also in the Bank of Florence. Also save money." Many people understand the truth of "don't put eggs in one basket", let alone these wily cardinals?

"That means, I have to pay back all the money I stole from the Siena Bank vault?" Marin wailed.

Giovanni di Lorenzo de' Medici smiled and said:

"That's not necessarily true, but you must return the money of these cardinals in the Holy See!"

Marlin suddenly came to the spirit:

"It's feasible! I'll send someone to go back to Siena, get the account book from the bank account, and return the money to the cardinals according to the account book list!"

Giovanni di Lorenzo de' Medici shook his head and said:

"It's not that simple, do you think those cardinals will deposit in their real names? A lot of deposits, they will deposit in the bank under a pseudonym, lest the account funds be frozen due to the bad relationship between the Holy See and the Republic of Siena"

There is no real-name system requirement these days.

Many savers choose to remain anonymous to avoid being identified. In order to absorb savings, banks also respect the customer's **.

"Then, after I find the ticket stubs from the Bank of Siena, I will set up a desk in Rome to be responsible for refunds, and let those cardinals who have deposits hold the tickets to cash them?" Marin thought for a while and thought of this refund. way of money.

"Better not!" Giovanni di Lorenzo de' Medici shook his head repeatedly, and then explained:

"Those cardinals choose to deposit anonymously, just because they don't want people to know. You set up a desk in Rome to publicly refund money, didn't you expose them? And, if you publicly refund money like this, it will have a very bad impact. Although everyone I know that the bishops are rich, but there is no evidence. You openly refunded the money, didn't the Roman people see the rich side of the bishops? This will be a serious blow to the prestige of the Holy See!"

"Then what should I do? They deposit money anonymously, how do I know which is which? Is it possible that I should return the money, continue to maintain the operation of the Bank of Siena, and wait for them to withdraw the money?" Marin said depressedly.

Giovanni di Lorenzo de' Medici, however, brightened his eyes and said:

"That's a very good idea! How about you keep the money and keep running the Bank of Siena?"

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

Giovanni di Lorenzo de' Medici said with a smile:

"Have you forgotten that I supervise the banking industry in Florence? One is in charge, and two are in charge. You are not good at banking, I am good at it! If you are worried, you can send a trusted accountant to resident to supervise the flow of funds! Think about it, the profit of opening a bank is more than 10%! Money can make money, which is better than hiding in the warehouse!"

"But I'm still reluctant to give up that money." It was a million gold coins, how could Marin give it up?

"You are really brother Marin, do you know that money can only exert its own power when it circulates? If you can control a big bank with strong capital, your influence in Europe will be huge! The power of capital, you Have you heard of it?" Giovanni di Lorenzo de' Medici, who was born in the Medici family, is very knowledgeable about finance.

Marin also reacted, and he was blinded by those golden lights. In fact, if he really swallowed this batch of wealth, although he was rich, he also made countless enemies inadvertently. Especially the cardinals whose money was swallowed by him will surely hate him. If Julius II wanted to reward Marin for his right to colonize the Americas, they would surely meet with strong resistance from them, perhaps making it impossible for Marin to do so.

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

In addition, as Giovanni di Lorenzo de' Medici said, holding a super-large bank with a share capital of more than 1.5 million gold coins can indeed influence European politics.

With the bank in control, Marin can fund his allies as he sees fit. Also, you can refuse loans to your enemies. Of course, you can also set up your own enemies and deliberately lend to them, but you need important collateral

"By the way, what if the lender defaults on their debts? You know, if those big nobles default on their debts, there's nothing the banking industry can do!" Marin asked worriedly.

Giovanni di Lorenzo de' Medici laughed and replied:

"General nobles will not default on their debts. After all, this is related to the family's face. If it is said that a noble family has defaulted on its debts, then the family will be finished, and they will be despised in the future, and no one will want to associate with them. To nobles In terms of reputation, reputation is as important as life!"

Marin thought about it for a while, but sneered in his heart, it's usually like this, but you never know that a certain Spanish king named Philip II later invented the rogue trick of "national bankruptcy", using bankruptcy as an excuse, Abruptly dragged down many banker families in Genoa and Germany. The famous Fugger family was abruptly brought down by the "national bankruptcy" of the Spanish Habsburg dynasty.

Different from personal bankruptcy, when an individual goes bankrupt, it will be forced to liquidate and auction off the remaining assets by state law enforcement agencies to repay debts as much as possible. But after the country went bankrupt, no law enforcement agency dared to liquidate and auction off the king's property. In this way, those weak bankers can only consider themselves unlucky.

In fact, during the reign of Charles V, Spain owed a huge foreign debt of up to 20 million ducats because of the war for hegemony. In order to pay off these debts, Charles V simply passed the throne to his son Philip II. Then, within two years, Philip II declared the country to be bankrupt, which made the big bankers such as the Fugger family who had lent to Spain dumbfounded. After several shameless bankruptcy, the Fugger family, once the No. 1 financial family in Europe, was dragged down like this, and left a bloody lesson of "don't lend money to people stronger than you" to future generations

After hesitating, Marin told Giovanni di Lorenzo de' Medici about this concern. Giovanni di Lorenzo de' Medici thought for a while, and felt that Marin's concerns were also right. However, how to solve this problem?

Marin is also thinking of a solution

"Perhaps, we can set up a debt collection company? No, ordinary debt collection methods are not feasible to deal with the great nobles. Is it possible to send the army to collect debts? Hey, this seems to be a solution too." Marin's eyes suddenly lit up. He then pitched the idea to Giovanni di Lorenzo de' Medici.

Giovanni di Lorenzo de' Medici looked at Marin in surprise and said:

"Do you want the Beihai ** team to collect debts from the bank? Isn't this inappropriate? It will cause diplomatic problems!" He was frightened by Marin's bizarre idea anyway.

"Hey, who said I'm going to use the Beihai Kingdom's army? I can use the mercenaries of the Blackwater Company!" Marin suddenly remembered that he seemed to have a shell company of the "Blackwater Mercenary Company". It seems that it can be used as a thug for the bank to collect debts.

"The strange idea of ​​mercenaries collecting debts seems feasible," said Giovanni Di Lorenzo de' Medici after pondering for a while.

"That's it! We will resume the operation of Bank of Siena. Brother Giovanni, you will send someone to help me manage it, and I will send an accountant to supervise the funds. In addition, I will let Blackwater Company sign an employment contract with Bank of Siena. The contract. Once someone maliciously defaults on the debt, the Blackwater Company will send mercenaries armed to collect the debt!”

"That's good, let's do it like this! By the way, you have to prevent the original loan customers of the Bank of Siena from defaulting on their debts! After all, there are hundreds of thousands of gold coins from the Bank of Siena that have been confiscated!"

"Don't worry, whoever dares to default on their debts, I will split up 10,000 troops and go to the door to collect debts in the name of Blackwater Company!"

"Ha ha!"

In this way, Marin and the future Pope Leo X, the two cooperated to reopen the Bank of Siena. Marin gave 10% of the shares to Giovanni di Lorenzo de' Medici, who sent people from the Medici family to help run it. As for myself, I plan to send a group of elementary school graduates from Beihai to join the Bank of Siena as accountants and supervise the flow of funds.

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