Marriage Banking System: In the late Middle Ages of epidemic and marriage
January 11, 2023 09:46 Source: "China Social Sciences" January 11, 2023 Total Issue 2570 Author: Wang Jing

If marriage is a personal contract,Marriage 赀 can be described as an important material basis for the contract。Start from the ancient Roman law,Providing wedding women at home with a legal obligation to become parents,This tradition is still durable until the late Middle Ages。Represents Italy and Greece in the end of the Middle Ages,Marriage is an important representation of a women's family background and social status。From the perspective of medieval jurists,The wealth of the family is inherited by the descendants of men。In order to ensure that the industry (especially real estate such as land) stays in the hands of male family members,Don’t lose due to the marriage of women at home,The composition of marriage is used to the main habit of property,A considerable part consists of money。

From the end of the 14th century to the beginning of the 15th century,The black death that swept Europe almost destroyed the population foundation of marriage。Take Florence, Italy as an example,In the middle of the 14th century,Citizens once exceeded 90,000,After several plague,actually dropped to less than 40,000。Due to the sharp decrease in population,Men suitable for men to decrease further,The comparison of the number of men and women is increasingly different,Competition between women's family also intensified,The amount of marriage soared sharply。Father must pay a lot of family property,Only to compete for a husband for the daughter of the girlfriend。other,According to the medieval civil law tradition and the formulation of Bet365 lotto review Florence City,After the marriage contract is concluded,Parents of the bride must be one -time、Pay to marry the groom in full amount。Parents must prepare this considerable payment in advance,Otherwise, there will be no risk of breach of contract。Marriage has become an increasingly heavy economic burden。Early 15th century,Many Florence families go bankrupt because of marrying women,I have to give up choosing a spouse for my daughter,The number of conclusions of marriage plummeted,The number of newborn population also drops suddenly。

early 1425,Florence City Council Promotion Act,Monte Delle Doti in the name of the city,Intention to help many families get rid of the dilemma of being able to pay a large amount of marriage。According to this method,The daughter of the family was about five years old,Father can open an account in the city's public debt agency (Monte Commune),Obtain a stated savings period and commitment interest rate,and a notarized document。When the deposit expires,If she is still alive,and the wedding and round house,City will be based on documents,Pay to marry with 2-5 times the principal.。If you are unmarried,or although they are married, they are not yet rounded,Or in the predecessor of the round house,You must not claim the payment of marriage。If the above conditions are met,But the deposit has not yet expired,Then you must wait for the expiration to be extracted.,So no matter whether it is married or not before death,deposits will be fully charged。

Public debt has been in Florence in the mid -14th century.、Milan、Venice and other places appear,It is an institution set up and operated in the name of the city,Payment of interest regularly,To attract citizens deposit,Bet365 app download For the use of public affairs for urban operations,Getting funds、Investment aspect,It also shows a certain advantage。Obviously,The direct intention of setting up a marriage bank in the city,link public debt to marriage,Subsidies through interest rates,Reduce the burden on the payment of marriage,Promote marriage conclusion。This is the case,As long as relatively small cash expenditures,Family may provide a decent dowry for your daughter,It can be exempted from being poverty because of this。This can ensure that individual members of the society fulfill their law and moral obligations,It will help promote the prosperity of the city。

In the past,Family mainly reserves through private coins redeema (Cambista)、Calling or paying marriage。This type of access activity does not have legal correlation between the marriage activities,Exchange of business diameter banks,Exchange of business diameter banks。Now,Time and place concluded by marriage、Specific form、Management procedure、Marriage 赀,These aspects of social life that was not attracted by legislative attention or covered by legislation,All began to be affected by the request conditions of the marriage bank。The habit of paying marriage on the day of the wedding day was declining,Now,After the newcomer exchange ring,Round up in the bride's house,After that, the groom can personally or entrust an agent to show the marriage of the municipal court (Magistratura Comunale), which is managed by the managing public.,For the extraction money,The groom must also pay a deed tax to the city,After that, you can manage the marriage and get married。

Initial,The minimum account opening amount of the wedding bank is 100 Floren; bet365 best casino games the storage period is 7 and a half years or 15 years,Choose from the store households,Expire can be extracted accordingly 250 or 500 Floorin。But at that time Florence had experienced three plague,Everyone feels that it is not guaranteed,If the girl dies halfway,Isn't it a fortune? therefore,Although the income is quite rich,But the response is rare。During the same period,Florence is fighting cities such as Milan,In order to fill the deficit generated due to high military expenses,All fundraising methods are included in the scope of consideration,The parliament then casts attention to the marriage bank: to attract citizens to save,In just a few years,Parliament changes many times,Repeat the minimum account opening limit,Turn on the deposit period without the amount of the expiration acceptance of the expiration,Relax of the condition for the extramarital marriage: even if the girl dies,Father can also retrieve the deposit principal after 1 year and 1 day; if the father is also dead,Can be extracted by the girl’s brother。In father、In the case of the death of the brothers,Deposit was charged。If the husband is due to the death of the husband, the marriage is lifted,It does not rule out the possibility of returning to the widow to return to the widow;,In the case of meeting certain legal conditions,The woman's family can also ask the man to return to marriage。To expand the base of the household,The parliament also included the residents on the territory of Florence into the scope of the account opening。

With the risk decrease,Marriage Banking Bank has become a more attractive choice than other investment methods on the market,attracted more and more people。In addition to paying marriage,There are also some wealthy bet365 live casino games families to open an account for women at home,For the future withdrawal,Replacement salary。Parliament is also an anti -politically exclusive tradition,Regularly issue a franchise to the nobles in other cities,Allows it to invest in marrying banks,This is the ally。In the mid -15th century,,Married Bank Bank has become one of the influential public financial institutions in the eyes of Florence。According to Florence City Archives,In 144 years of the bank's survival,There have been nearly 30,000 female account opening。

The high return promised by the Marriage Bank means that a high amount will occur when it expires,Although the number of account opening and savings increases,But it is still difficult to make up for the disparity to access the difference。Starting from the mid -15th century,Parliament legislative transformation wind direction,limited the qualifications of the store as "the citizen born in Florence City and has fulfilled the tax and negative obligations",Citizens who have liabilities or non -tax property、belong to the residents of the territory、Non -Florence citizens are excluded。As mentioned earlier,As a part of the bond system,Marriage Bank mainly relies on the tax donation tax paid by all residents on the belonging to the area of ​​the belonging.。but,The residents identified by the aforementioned law were lost in the qualifications of investing in marrying banks。

For those who are well -owned,Although the amount of account opening and due return is equal -sharing,But due to the differences in actual living conditions,Girls in ordinary families have higher risks because of epidemic or other reasons,Without returning the principal,The deposit in the former name will actually be absorbed and bet365 live casino games applied to the rich girl who lives to the marriage age; even if she can retrieve the principal,Savings income is still zero。Obviously,The best strategy is to invest in marrying banks when girls are older,This way, the possibility of girls survived to marriage is greater,But in order to get married with equivalent to early savings in order to get married,The amount of account opening must also be doubled,This actually sets invisible investment obstacles for families with ordinary financial resources。

With the influence of a series of legislation,The composition of the depositors and funds of the marriage bank gradually changed。15-16 centuries,Almost all of the precious families in Florence have invested in marriage banks,and the proportion of investment in the middle and lower class citizens is getting lower and lower。early 16th century,Most of the total amount of marrying bank savings comes from noble families。

So far,Marriage Bank's cities and social ruling classes before industrialization show special value。In terms of form,Marriage Bank seems to be just the institutional expression of the practice of marriage in the lives of citizens in the medieval citizens,It is not the unique or initiative of Florence,Venice and other cities have also set up similar systems。The essence of it,The city uses a paper decree,Get in a wide range、Practice the practice in the private domain of a citizen's life with the city's public debt,Financial tools that are changed to personal investment and public financing functions。In the symbolic meaning and actual capital flow that occurs due to marriage,The aristocratic class transforms the overall transition of urban public debt into the guarantee of its marriage through bet365 best casino games the marriage bank,Maintain a stable connection between a single family and the overall class,Avoid the decentralization of the collective property of the ruling class; at the same time, it can constantly absorb the property of the lower people,Control the family in the class,So that the original intention of marrying the banking system -promoting marriage conclusion is the second one: it not only provides hope and possibility for marriage,It also reflects the social status of the Florence people、Wealth Vision and Political Ambitions。

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