Chapter D: S. Nr. 4 b (21.) ex 96

* * * * *

[1] Number of the cheque book.

[2] Post Office Savings Bank.

[3] Extract of current account.

[4] N^o 151 of the 13th September 1896.

[5] Number of the acknowledgements of payments or cheques.

[6] Receiving Office (pay office).

[7] Name of payer or of receiver of money.

[8] Deposits and entries to the credit of current account.

[9] Repayments.

[10] Debit entries in the clearing service.

[11] Balance in hand.

[12] Page.

[13] Date.

[14] Brought over from 12. 9. 96.

[15] To be carried over.]

[1]Tagesrechnung der Einlagen im Checkverkehr.

[2](Einlagen auf Empfangscheine.)
+------------------------------------+
| [3]Raum zum Aufkleben der Vignette.|
+------------------------------------+

+------------+---------+-----------+---------------+---------------+
| [4]1 Von | 2 |[6]3 Betrag| [7]4 | 5 |
| Seiten der |[5]Nummer|der Einlage| Nr. des | [8]Name des |
|Sammelstelle| des +-----+-----+Empfangscheines| Einzahlers |
| leer zu | Contos | fl. | kr. | | [aus dem |
| lassen | | | | | Erlagscheine] |
+------------+---------+-----+-----+---------------+---------------+
| | | | | | |
+------------+---------+-----+-----+---------------+---------------+
| | | | | | |
+------------+---------+-----+-----+---------------+---------------+
| | | | | | |
+------------+---------+-----+-----+---------------+--+------------+
| |[9] | | | Anzahl | | [11] |
| |Gesammt- | | | der | |Unterschrift|
| |betrag | | | Einlagen[10] | | des |
| |der | | | | |Postbeamten:|
| |Einlagen | | | | | |
+ +---------+-----+-----+---------------+--+------------+
| D. S. Nr. 2 n (9.) ex 96.|
+------------+---------+-----+-----+---------------+--+------------+

[1] Daily account of deposits in the cheque service.

[2] Payments upon acknowledgement of receipt.

[3] Space for affixing the vignette.

[4] To be left blank by the receiving office.

[5] Number of current account.

[6] Amount of the payment.

[7] Number of the acknowledgement of receipt.

[8] Name of the payer according to the acknowledgement of deposit.

[9] Total sum of the payments.

[10] Number of the payments.

[11] Signature of the post office official.]

* * * * *

Belehrung für den Postbeamten.[2]

1. Alle Einlagen auf Empfangscheine sind in diese Tagesrechnung
einzutragen, ebenso alle Rückzahlungen, welche ohne Vorweisung
eines Einlagebüchels auf Grund der vereinigten Drucksorte Nr.
6-8 zu leisten sind.

2. Die Eintragung hat genau dem Vordrucke entsprechend zu
geschehen.

3. Anzahl und Gesammtbetrag der Einlagen und Rückzahlungen sind
nach Abschluss der Tagesrechnung in die correspondirenden
Rubriken des Tagessummariums zu übertragen. Die Anzahl
der zu dieser Tagesrechnung gehörigen Erlagscheine und
Zahlungsanweisungen ist am Schlusse der Rechnung auszusetzen
und in der Beilagenliste anzumerken.

4. Die Tagesrechnung wird nur dann an das k. k.
Postsparcassen-Amt eingesendet, wenn eine Einlage oder
Rückzahlung in derselben zu verzeichnen ist. =Nur am letzten
eines jeden Monates ist stets eine Tagesrechnung einzusenden,
ohne Rücksicht, ob eine Eintragung stattgefunden hat oder
nicht.=

* * * * *

+-------------+------------+-----------------+----------------------+
| 1 | 2 | 3[5] | 4 |
|Nummer des[3]| Betrag[4] | Ausstellungstag |[6]Name des Adressaten|
| Contos |-------+----| der |der Zahlungsanweisung |
| | fl. | kr.|Zahlungsanweisung| |
+-------------+-------+----+-----------------+----------------------+
| | | | | |
+-------------+-------+----+-----------------+----------------------+
| | | | | |
+-------------+-------+----+-----------------+----------------------+
| | | | | |
+-------------+-------+----+-----------------+----------------------+
| [7] | | | [8]Anzahl | | |
|Gesammtbetrag| | | der | | |
| der | | | Rückzahlungen | | |
|Rückzahlungen| | | | | |
+-------------+-------+----+-----------------+----------------------+

[1] Daily account of repayments in the cheque service.

[2] Instruction for the post office official: 1. In this daily account must be entered all the deposits made upon acknowledgement of receipt as well as all the repayments made without presentation of deposit-book on the ground of the united document N^o 6-8; 2. The entry must be absolutely conformable to the printed text; 3. The number and the total sum of the deposits and the repayments are to be entered after the closing of the daily account in the corresponding columns of the summary of the day. The number of the pay-cheques and the orders for repayment which belong to this daily account is to be set forth at the end of the account and to be noted on the supplementary list; 4. The daily account is only to be sent to the Post Office Savings Bank when there is a deposit or a repayment to be entered. _Only at the end of each month this daily account must be sent whether there be an entry or not._

[3] Number of the current account.

[4] Amount.

[5] Date of issue of the order for repayment.

[6] Name of the person to whom the order for repayment is to be sent.

[7] Total sum of the repayments.

[8] Number of the repayments.]

This list is the expression as it were, of a conscious agreement of wills on a more and more extended scale in a common work of reciprocity.

The all round figure which sums up for the service during 1895, the total amount of operations relating to the credit and debit of holders of accounts in the Postal Savings Bank of Vienna is 2,970,170,049 florins. It will be interesting to learn what have been the expenses which have arisen from such a vast amount of business.

The account of the financial administration of the service of cheques and _clearing_ makes the administrative expenses 899,356 florins, that is three-hundredths of a florin, for every 100 florins of business[M]. The average business done for each possessor of a cheque book is 100,000 florins, and the average charges of the service per person have been about 30 florins.

Going back ten years it is seen that when in 1886 the amount reached 944,997,612 florins, the total expense was 620,247 florins, or six-hundredths of a florin for every 100 florins of business done. The operations averaged about 90,000 florins to each holder of a cheque book and the charges 44 florins each person. The law, in accordance with which the general expenses are relatively reduced by the increase in the figure of business done, receives here a fresh verification.

Such is the summary explanation of the organisation and working of the cheque and clearing system instituted thirteen years ago at the Postal Savings Bank of Vienna.

It is based on the centralisation at Vienna of the accounts of depositors holding cheque books and on the almost absolute perfectness of the regularity and precision with which all those interested are every time fully informed of their position of the Central Bank, and, in consequence, of the extent of the credit they have at their command. This institution implies the free adhesion under conditions fixed by law of all the depositors at the Savings Bank and the right of each to withdraw as he thinks proper. The institution therefore works on the ground of stipulated contract, but its elasticity is seen in the perpetually widening extension of its operations and its making way in every class of society and in every one of the professions.

Its realization under the international form, for we give this character to an agreement between the Savings Banks of Austria and Hungary, is only a question of time, and the new experiment will prepare the way for a new enlargement of the system.

The basis of the institution is monetary, it differs in this respect in no way from all the other modern institutions of credit and of balancing one account against the other; but the saving of money is ever on the increase. Within the monetary circulation is developed a circulation which if it remains still subordinate to the monetary circulation is not inevitably enchained to it. Our collective effort tends to break for ever this bond of subordination. The papers which will follow will be a contribution to that work.

FOOTNOTES:

[H] The account-books of _Empfang erlagscheine_ are used as instruments in this first class of operations.

[I] Rückzahlungen auf grund von checks, zahlbar an den überbringer bei des Cassa des Postsparcassen Amtes.

[J] Rückzahlungen an dritte personen durch zahlungsanweisungen des Postsparcassen Amtes.

[K] Auszahlung von beträgen an dritte personen nittelst postanweisungen.

[L] To accomplish operations in the remotest part of Dalmatia, five or six days is the maximum required.

[M] A kreutzer is charged for posting a sum to the credit of an adherent, but no charge is made on the debit side.