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In XIII century the Italian dealers have started to use instead of a hard coin

Bills. Use of bills allowed them to send money the same as it Done, writing out a banker's check which is translation bank The bill. In Amsterdam, and later in Antwerp there were markets of bills. Actually, they were engaged in granting of the cheap short-term credit, Necessary for developing trade.

The system of bank deposits has developed in parallel with the market of bills and in communications

With it. Trade in bills allowed to bypass a church interdiction for collection

Percent, as bill acquisition at a discount concerning it

Nominal price it was interpreted not as loan percent, and as the account of risk -

The shown bill can and not pay. In process of practice distribution Uses of bills a little known dealers have started to place means in Known trading houses to have an opportunity to pay off with bills, Written out on the last. At whom corresponding deposits accumulated, It was required to a few time to think that for payment of the shown Bills it is enough to hold on hands only small part of means, and the rest

It is possible to use quite safely on buying up of bills at a discount, that is,

Despite a usury interdiction to give money in the loan. Such

In the image, in the society which has forbidden collection of percent, has arisen profitable and

Growing banking.


Loans, which in a case were the earliest form of insurance of sea transportations

Successful end of expedition were paid with the high extra charge, and in a case

Vessel losses were not paid at all. This form of insurance loans was used In ancient Greece also it was known as "bottomry and respondentia bond". In

Italy insurance has separated from financing, possibly, already in the end of XII

Centuries when insurance on a case it a vessel in exchange for payment has begun

The established award. From XII - XVI centuries very poor documents were saved about

Sea insurance. The Florentine statute of 1523 contains the form of the insurance

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