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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
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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