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| 正面描述 | The obverse is executed in reddish-brown on a light ground, with an elaborate symmetrical border of ornate arabesque and foliate scrollwork enclosing the central text field. The Montenegrin state coat of arms — a double-headed eagle — appears in a vignette at upper left, flanked by decorative vertical panels with interlaced strapwork. The central text in Cyrillic announces the denomination 'ДВАДЕСЕТ ПЕРПЕРА' in large bold letterpress, with manuscript-style signatures of the President of the Main State Control and the Minister of Finance below, and the serial number and series letter printed in the lower margin. |
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| 正面铭文 | Главна Државна Благајна исплаћује доносиоцу ове упутнице Двадесет Перпера ДВАДЕСЕТ ПЕРПЕРА Вриједи за годину дана Цетиње, 25 јула 1914. Предсједник Главне Државне Контроле, Министар финансија, Д.4 |
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Montenegro's state treasury issued paper money directly — bypassing any central bank structure — because no such institution existed. The perpera had been introduced as the country's official currency only in 1906, replacing the Austrian florin at par, and the monetary system remained thin throughout. By 1914, with the Balkan Wars barely concluded and the First World War beginning, the treasury was printing currency under genuine fiscal duress rather than routine banking practice.
The 1914 series was not redeemed in any orderly fashion. Montenegro was occupied by Austro-Hungarian forces in early 1916, and the perpera effectively ceased to function. Notes that survived did so largely by accident.