The Rise of the European Emperor

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Giovanni di Lorenzo de' Medici was ecstatic that Malincoln had handed over the management of the Bank of Siena to himself. Although he only got 10% of the shares, he was very satisfied. After all, it's for nothing.

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

The most important thing for Giovanni di Lorenzo de' Medici is that, with the management of the Bank of Siena, he can use the power of capital to help himself. For example, in the future Pope's election, he took out hundreds of thousands of gold coins from the Bank of Siena to help himself bribe the cardinals, which is simply frivolous.

Even when bribing the voting cardinals, Giovanni di Lorenzo de' Medici didn't bother to send real money and only needed to issue a bank of Siena A check will do. Anyway, after the cardinals get the money, they also have to deposit it in the bank. In this way, it is convenient for both parties to issue a check to the other party.

Even better, because there is no need to pay cash, this check is issued without affecting the daily operations of Siena Bank. Bank money can also be lent out as usual. That is to say, even if Giovanni di Lorenzo de' Medici gave the bribes to the cardinals, the money remained in the Bank of Siena, allowing the banks to continue to make money by lending. Even in this era when modern commercial banks have not really taken shape, there is no need to pay interest on the deposits of the cardinals. Because, in this age, deposits have no interest. It was probably not until 1580, when the Bank of Venice was completely reorganized as the world's first commercial bank, that deposits began to have interest. Before that, depositing money in the bank was just equivalent to letting the bank keep it. Even, the person who saves the money also needs to pay the bank deposit fee.

Of course, that was in other countries, as was the Daming Bank at the same time. But now in the Italian region, the four major financial states have waived custodial fees to lure depositors into their own banks.

Moreover, in this era, the banking industry is not called a bank. For example, Bank of Siena, in fact, should be called "Siena Lending and Loan", and its main business is lending. And those big customers put their money in, in fact, for safety, not for interest. Of course, depositing money in the bank is also very convenient. For example, it is inconvenient to travel from Rome to Paris with 300,000 gold coins. However, it is very convenient that you carry a check for 300,000 gold coins. Provided, of course, that the bank where you deposit your money has branches in Rome and Paris. In addition, 300,000 gold coins are not a small amount, and you need to make an appointment in advance so that the bank has enough time to mobilize funds.

...

Although Marin is very reluctant to return the 1 million gold coins in cash, it seems that he is at a loss. However, because of his conspiracy to kill the dozen or so Siena banker families. 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 handed over the management rights to Giovanni Di Lorenzo de' Medici, Marin also put forward his own requirements. That is, do not lend money to France!

why? Because France is too powerful and shameless. If you lend money to France, it will easily lead to default on the debt. Even if Marin could use the Blackwater Company's mercenaries to collect debts, he would be helpless in the face of an overly 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 delinquent.

However, Marin was very troubled about whether to lend money to Maximilian I. Because, Maximilian I, according to the principle of "don't lend money to people stronger than you", also does not meet the requirements for borrowing money. But the problem is that Maximilian I was his ally. If you don't borrow money, it seems a bit unreasonable. However, if I borrowed too much money, I was afraid that the famous poor emperor would not be able to pay it back... Although Maximilian I had a good character, he was very poor. In the end, this guy died on the way to hide his debts...

When discussing with Giovanni di Lorenzo de' Medici to restore the Bank of Siena, Marin knew that Maximilian I would come to him to borrow money.

Of course, Marin now has an excuse not to borrow - I'm going to return the money I stole from the Bank of Siena...

However, Giovanni di Lorenzo de' Medici thinks that it is possible to consider lending money to Maximilian I. The reason is that the family of Maximilian I has a great business, and even if he has no money, there are still many mines that can be mortgaged. Even Giovanni di Lorenzo de' Medici believed that the Habsburg family's Netherlands territory could be used as a mortgage...

"Netherland's territory? What's the value of that?" Marin was a little confused. In his impression, the Netherlands does not seem to have any property worthy of mortgage. Those territories, although nominally belonged to the Habsburg family, actually belonged to the local small nobles and big landlords in terms of land. When it comes to mines, it seems that the Netherlands, the Netherlands of later generations, has no valuable minerals...

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

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

However, because of the extinction of the Luxembourg dynasty, the Principality of Luxembourg also fell into the hands of the Habsburg family. Currently, the Duke of Luxembourg is the handsome King Philippe, son of Maximilian I.

Of course, Maximilian I borrowed money to conquer Switzerland. Ultimately, these territories were inherited by the handsome king Philip. Therefore, if Marin asked to take Luxembourg's iron ore as collateral, Philip would not refuse. Anyway, the laterite iron ore in the Gutland Plain in the south of Luxembourg has not yet been developed on a large scale. Only Marin has purchased some iron ore, but the amount is not large.

And Marin, who owns the Ruhr area, is currently worried that there is not enough iron ore source. For now, the iron mines near the Ruhr area are mainly Lorraine iron mines in the Principality of Lorraine, and laterite iron mines in the Gutland plain in southern Luxembourg.

But the problem is that the Principality of Lorraine is currently on the French side. Marin can't fight Lorraine's idea unless he is ready to go to war with France.

Therefore, the laterite iron ore in Luxembourg is the most easily obtained large iron ore in Marin. Moreover, the Habsburgs were short of money. Marin can obtain the ownership of the Luxembourg iron ore by borrowing money and mortgage.

So, Marin, who planned to seek laterite iron ore in Luxembourg, invited Maximilian I and explained to him that he wanted to return the cash from the Bank of Siena that he had stolen. Then, recommend it to borrow money from the Bank of Siena. And the head of the bank is currently Giovanni Di Lorenzo de Medici...