Holy Roman Empire

Franz had a sense of national responsibility. In order to raise war funds for the Kingdom of Prussia, his emperor took the lead in donating a million dongs to the Royal Bank of Austria.

(1 shield ≈ 11.69 grams of silver)

Soon noblemen, businessmen, students in Austria ... all rushed to donate, but these funds were not directly handed over to the Prussian government, but were deposited in the Royal Austrian Bank.

That's right, this Royal Austrian bank was just created by Franz. The current main business is to collect donations from the public, and at the same time supervise the use of this money in the defense of the Principality of Schleswig-Holstein.

The Prussian army is now crossing the Jutland peninsula, which has exceeded this boundary and does not meet the conditions for the donation.

What the Prussian thinks Franz doesn't care, anyway, he is very happy now. The Royal Bank with a registered capital of only one million rupiah has absorbed nearly 30 million rupiah deposits in just one month. It is not a donation.

It's just that the bank issued receipts to the donors. All donations are used in proportion. If they are not used up, they will be refunded later.

In order to demonstrate his patriotic ethics, the Royal Bank did not even charge the most basic handling fees, and it was all free of charge.

Since it is a donation, interest naturally does not exist.Before this huge sum of money was put into use, Franz added another working capital.

A lot of cash is kept in your hands, that is, you are committing a crime, so Franz changed hands and issued a loan to invest in the construction of a comprehensive food company and incidentally purchased a large number of good-quality mines.

This year, gold and silver can be directly used as currency, and gold and silver mines are naturally very valuable. Even if Franz is the emperor, it is not so easy to obtain.

In contrast, iron, coal, lead, zinc, manganese, rare earth and other minerals are much cheaper. The industrial revolution is still in progress. Even the most basic coal and iron consumption are very limited. Many rare minerals are now Industry is simply not used.

Franz too lazy to go to the tiger's mouth to seize the food, taking advantage of the fact that these resources are worthless in advance, the future valuable minerals will be included in the bag.

It is a pity that there are no huge mines in the Austrian Empire, otherwise, if this wave comes down, you can eat for a lifetime.

In short, if you have money in your hand, you can buy and buy everywhere. First of all, when someone invests in mining, you must first consider transportation.

Franz doesn't think so much, as long as the quality of the minerals is good enough and the reserves are rich enough. Are you worried about transportation?

Others don't know, can he not know himself?The Austrian government will soon invest heavily in domestic infrastructure construction.

Now it seems that mines with no development value will be doubled in price once the road is repaired. Together with the advancement of industrialization, the demand for mineral resources will increase, and it is difficult to make a fortune without making money.

In just over a month, more than 5.8 million shields were spent, and the scared Franz quickly closed it.Even if it is embezzlement of public funds, there must be a limit?

If all of this huge sum of money was spent and found out by someone with a brain, how would it end?

The assets of the Habsburg family do not have so much cash, even if Franz is the emperor, it is difficult to borrow so much cash in a short time.

If only a part of it was embezzled, Franz still had a way to settle the accounts. After all, he opened a bank.If it were not for lack of manpower now, the Royal Bank had already begun to attack the city.

A bank with a huge sum of 30 million yuan is a big man in this era. When it comes to cash flow, it is definitely the largest bank in Austria, and it also ranks among the top in the world.

At present, the Royal Austrian Bank has opened more than 30 stores. In terms of scale, it can only be regarded as a small and medium-sized bank, and its business outlets are concentrated in several large cities in Austria.

John Stewa was originally an executive of Austria's first savings bank, and was dug up by Raul to be the first industry of Royal Bank.

It wasn't until this time that Franz discovered that the Habsburg family had shares in many banks, and he didn't bother to pay any attention to it.

Anyway, there are supporters behind any bank, otherwise in this era, or even earlier, it is not so easy to survive.

"Your Majesty, the Royal Bank is ready to be in place and you can suck up reserves." John Stewart said nervously

"You are a professional with regard to banking issues. This is a matter for your management to discuss and decide. In a short period of time, Royal Bank does not conduct loan business externally." Franz said expressionlessly

I embezzled such a huge sum of money, but I want to return it.God knows how long the Prussians can last. Once the Prussian government makes a compromise, the money will be returned.

"Yes, Your Majesty." John Stewart replied

"You estimate, how much of these donations can be converted into our depositors? How much will be saved?" Franz asked with concern

"Your Majesty, our bank interest is set with reference to the average level, but the Royal Bank is far more credible than any competitor.

About 20% of the donors will become our users, because of these donations, government donations account for one third, and the remaining funds may be around three million rupiah."John Stewart thought for a while

Don't think that three million rupiahs will be less. People have not had the habit of depositing money in banks in this era. Most nobles are used to pile gold coins in the basement.

There are also thresholds for bank account opening. For example, the threshold set by the Royal Bank is 150 dong.Below this number, sorry, this is not for you.

The total savings of the entire Austrian Empire in 1848 was less than 100 million rupiah, and if it could leave 3 million rupiah, it accounted for more than 3% of Austria's total savings.

Franz also thought about lowering this account opening condition limit, but considering that this requires a large number of counter staff, but also increases management difficulty and operating costs, he decisively gave up.

Banks are also compelling. In this era, people who came in and out of banks were all in the upper and middle classes of society. Once the restrictions were opened, a large number of people from the bottom of the population flowed in. If these high-quality customers ran away, it would be too late to cry.

The Austrian people are so poor that they can save a dozen dongs a year, which is a good income.Against this background, the possibility of losing money in this business is too high.

"Got it, you will start the storage business as soon as you go back. All salesmen must be strictly trained, and everyone must be polite to receive each customer." Franz asked.

"Yes, Your Majesty." John Stewart replied

At this time, the attitude of the bank's service staff is actually not bad, because of the relationship between the amount of account opening, the deposit business that can handle the bank is basically the middle class, or a higher level of existence.

At the social level, bank staff do not have a superior sense of superiority, and naturally there is no so-called discrimination.

In addition, it is a private bank. Everyone wants to compete for performance. Promotions with good performance and bad performance get out. I want to lie down and dream!

Franz cares about chaos, now he still has a hole to fill?

The Habsburg family did not have the courage to pay millions of dong in cash at any time. The Royal Bank was still his personal property. Franz did not want others to join him.

Now that Royal Bank does not lend money, it is not that he does not want to do this business, but he does not dare to do it. If the Prussian counsels tomorrow, he will immediately usher in the peak of withdrawal.

These donations, but the Royal Bank promised to use the special funds. If the money could not be withdrawn, it would be stabbed and misappropriated, the credibility of the donation would be greatly damaged.

Confidentiality cannot be kept secret, and now no one pierces the window paper, that is Franz is the emperor, and no one dares to make this early bird.

What's more, they don't know how much money Franz has embezzled. If the number is small, it is not difficult to fill in the holes.When the time comes to blame and ruin the reputation of the emperor, he will be killed.