Wait Giovanni. Advance. Lorenzo. Morality. After the Medici got into the carriage, Marin asked curiously:

"Brother Giovanni, I remember that the relations between the Republic of Siena and the Holy See are very poor, why do so many cardinals deposit money in the Bank of Siena?"

Giovanni. Advance. Lorenzo. Morality. The Medici thought for a moment and said:

"You know, Italy has four financial powerhouses – Venice, Genoa, Florence and Siena. However, all four countries are republics and do not have good relations with the Holy See. Since the relationship is not good, it is almost the same in the bank of any country. Besides, these bankers don't care what your political stance is. As long as there is money, they save it. Of the four financial powers, Siena is the closest to Rome. If the bishops want to withdraw money, it is most convenient to get it from the city of Siena! ”

Marin thought about it, and it was really the truth. Still, he asked:

"Isn't Florence already part of the Holy See? Why didn't the cardinals deposit their money in the Florentine bank? "Florence was brought down by the Marin, and now the control is in the hands of the Holy See, and it is only right to keep the money in its own bank.

Giovanni. Advance. Lorenzo. Morality. The Medici shook his head and said:

"That's true, but those cardinals have been working with the Bank of Siena for a long time, and they usually don't change banks easily. Moreover, these cardinals did not keep money only in the Bank of Siena, but also in the Bank of Florence. "Don't put all your eggs in one basket" is a principle that many people understand, let alone these scheming cardinals?

"That means I have to return all the money I robbed from the Bank of Siena's vault?" Marin wailed.

Giovanni. Advance. Lorenzo. Morality. The Medici smiled and said:

"Not necessarily, but you must return the money of these cardinals in the Holy See!"

Marin suddenly came to the spirit:

"It's possible! I'm going to send someone to repentance of Siena, to take the books of accounts from the bank's books, and to return the money to the cardinals according to the books of accounts! ”

Giovanni. Advance. Lorenzo. Morality. The Medici shook his head and said:

"It's not that simple, you think those cardinals will deposit under their real names? Many deposits, they will deposit in the bank under a pseudonym, so that the funds in the account will not be frozen because of the bad relations between the Holy See and the Republic of Siena......"

In these days, there is no real-name requirement, and many depositors will choose to remain anonymous to avoid being found out. In order to absorb savings, banks also respect the privacy of customers.

"So, after I retrieve the stubs of the Bank of Siena, I will set up a desk in Rome dedicated to refunds, so that the cardinals who have deposits can cash in with the bills?" Marin thought about it and thought of this way to return the money.

"It's better not to!" Giovanni. Advance. Lorenzo. Morality. The Medici shook her head again and again, and then explained:

"The cardinals chose to deposit anonymously because they didn't want people to know. You set up a desk in Rome and publicly return the money, didn't you expose them? Moreover, if you return the money publicly, it will have a very bad impact. Although everyone knows that the bishops are corrupt and rich, there is little evidence. Didn't you publicly return the money so that the people of Rome could see the corrupt and rich side of the bishops? This would be a serious blow to the prestige of the Holy See! ”

"What then?? They deposit money anonymously, how do I know which is which? Am I going to get the money back and keep the Bank of Siena running, waiting for them to withdraw it? Marin said depressedly.

Giovanni. Advance. Lorenzo. Morality. The Medici, however, was amazed and said:

"That's a great idea! Or are you going to keep that money and continue to run the Bank of Siena? ”

"Continuing to operate? But I'm in Aurich, and I can't take care of the Italian side at all! ”

Giovanni. Advance. Lorenzo. Morality. The Medici smiled and said:

"Have you forgotten that I now oversee the banking sector in Florence? One is also a tube, and two are also tubes. You're not good at banking, I'm good at it! If you are not at ease, you can send a trustworthy accountant to monitor the flow of funds! If you think about it, the profit of opening a bank is more than 10 percent! Money makes money, it's much better than hiding it in the treasury! ”

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

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

Marin also reacted, he was dazzled by the gold. In fact, if he really swallowed this wealth, he would certainly be rich, but he would also inadvertently make countless enemies. Especially the cardinals who he swallowed the money will surely hate him. If Julius II wanted to reward Marin for his right to colonize the Americas, he would have met with strong resistance, and it might have prevented Marin from doing so.

After a fierce ideological struggle, Marin finally intends to return the money. Moreover, it seems that opening a bank with the future pope is also a very novel thing.

Also, as Giovanni . Advance. Lorenzo. Morality. According to Medici, a megabank 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. Moreover, it is also possible to refuse loans to one's enemies. Of course, it is also possible to set up a trap on one's own enemies and deliberately lend money to each other, but it requires an important mortgage......

"By the way, what if the lender defaults? You know, if those big aristocrats are to pay their debts, there is nothing the banking industry can do! Marin asked worriedly.

Giovanni. Advance. Lorenzo. Morality. The Medici laughed, then replied:

"Ordinary nobles will not repay their debts, after all, it is related to the face of the family. If it is spread that a certain noble family is in arrears, then the family will be despised in the future, and no one will be willing to associate with them. For the nobility, reputation is very important, no less than life! ”

Marin thought about it, but sneered in his heart - hehe, this is usually the case, but you never know that later a Spanish king named Philip II invented the scoundrel trick of "national bankruptcy", and used bankruptcy as an excuse to drag down many banker families in Genoa and Germany. The famous Fugger family was brutally crushed by the "national bankruptcy" of the Spanish Habsburgs.

Unlike personal bankruptcy, individuals who are bankrupt will be forced to liquidate and auction off their remaining assets by state law enforcement agencies in order to repay their debts as much as possible. But after the bankruptcy of the country, no law enforcement agency dared to liquidate and auction 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 settle these debts, Charles V simply passed on the throne to his son Philip II. Then, within two years, Philip II declared the country bankrupt, leaving the Fugger family and other big bankers who had lent money to Spain dumbfounded. After several shameless bankruptcies, the Fugger family, once the number one financial family in Europe, was dragged down for life, and left a bloody lesson for future generations: "Don't lend money to people who are stronger than you......

……

After much hesitation, Marin told Giovanni about this concern. Advance. Lorenzo. Morality. Medici. Giovanni. Advance. Lorenzo. Morality. The Medici thought about it and felt that Marin's concerns were also right. But how can this be solved......

Marin is also thinking of a solution......

"Perhaps, a debt collection agency can be formed? No, against the big nobles, ordinary debt collection methods are not feasible. Do you want to send an army to collect debts? Hey...... This seems to be a solution......" Marin's eyes lit up. He then told Giovanni about the idea. Advance. Lorenzo. Morality. Medici.

Giovanni. Advance. Lorenzo. Morality. The Medici looked at Marin in amazement:

"Do you want the North Sea Army to collect debts from the banks? This...... Isn't that right? It will cause diplomatic problems! He was frightened by Marin's strange idea anyway.

"Hehe, who said I was going to use the army of the North Sea Country? I can use Blackwater's mercenaries! Marin suddenly remembered that he seemed to have a shell company of the "Blackwater Mercenary Company". It seems that it can be taken out to act as a thug for the bank to collect debts.

"Mercenaries collect debts...... Curious thoughts...... However, it seems to be possible...... "Giovanni. Advance. Lorenzo. Morality. The Medici pondered for a moment and then said.

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

"That's good, that's it! By the way, you have to guard against the customers of the Bank of Siena's original loans! After all, there are still hundreds of thousands of gold coins from the Bank of Siena outside, and the loan has not been returned! ”

"Don't worry, whoever dares to repay the debt, I will divide 10,000 troops and go to the door to collect debts in the name of Blackwater Company!"

"Haha!"

……

In this way, Marin and the future Pope Leo X collaborated to reopen the Bank of Siena. Marin gave 10% of the shares to Giovanni. Advance. Lorenzo. Morality. Medici, let it send people from the Medici family to help run the business. As for himself, he plans to send a group of primary school graduates from the Beihai country to work as accountants and supervise the flow of funds...... ()

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