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.