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Zaxix
Long Jump.
96
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Posted - 2013.05.31 15:51:00 -
[31] - Quote
Caleb Ayrania wrote:Zaxix wrote:Bottom line: banks are unnecessary in EVE. The only function even vaguely necessary is being covered by collateralized loan services. Everything else is just an elaborate lottery. Absolutist statement.. and fundamentally wrong. Its hard to establish banking in the current game environment, but it would def be useful in regards to the speed of moneyflow. Its only as "not needed" as I would imagine it was in RL prior to its proper introduction, in its first proper organization by the Templars. The benefit of banking is always about speed of the money flow and fungibility. As Unifex said EVE is maturing, and eventually advanced financial services and products will be a more vital part of it, till then its spaceship frag fest, and harvesting tears. Let see what Odyssey (the EVE puberty) brings. A bank requires depositors to build the pile of money it will be loaning out. Depositing ISK isn't necessary in EVE; wallets work just fine. So the only way to get deposits is to offer a percentage on the money. There is no real difference between me depositing 1bill in your bank with a 2% interest rate or establishing a bond/loan/whatever you want to call it, in which I give you a billion at 2% interest. Except that the bank isn't going to be offering collateral to secure the loan I'm making to it. Sorry, the deposit I'm making. In the absence of collateral, third party security, or a new game mechanic that somehow replicates FDIC protections, every deposit would be a gamble. Will he run with the money or not? It's no surprise that the form of banking that currently exists is third-party, collateralized bonds. It's the only form that makes any sense in EVE. ***Prodigal Frog***
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Hexxx
Sebiestor Tribe Minmatar Republic
30
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Posted - 2013.07.08 19:03:00 -
[32] - Quote
Charley en Cedoulain wrote:I have an Associates Degree in Business with a concentration in Accounting, a Bachelor's in Accounting with a concentration in Internal Auditing. I am a Treasury Management professional with a major bank in the US and am close to getting my Certified Treasury Professional certification. I'm currently studying to start my Masters of Accountancy so if that doesn't qualify for real life work and educational experience for starting a business in the financial sector, than I'm not sure what does.
You're going to need to add programming to that list.
With regards to the thread; it's the easiest thing in the world to tear down an idea. Criticism is easy; putting the effort in to make something and risking failure in the process is an entirely different animal. |
arabella blood
Black Scorpions Inc Circle-Of-Two
36
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Posted - 2013.07.09 06:44:00 -
[33] - Quote
How about some sort of a reversed-auction house? Not sure how to totally optimize that idea, but would love to help make one and see if it will work. |
Daniel Plain
Science and Trade Institute Caldari State
1269
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Posted - 2013.07.09 10:13:00 -
[34] - Quote
thread necromancy. not. even. once.
"I don't troll, I just give overly blunt responses that annoy people who are wrong but don't want to admit it. It's not my fault that people have sensitive feelings" -MXZF |
Rhadit
Nigerian Drug Manufactory co. xXPlease Pandemic Citizens Reloaded Alliance.Xx
20
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Posted - 2013.07.09 15:10:00 -
[35] - Quote
If you want to start a cool business, start producing drugs.
My co-worker was an accountant irl so he sat up spreadsheets for orders and kept everything recorded. You cannot brand your freighter, but you can brand your drugs. Look at Es and Whizz. They're currently the biggest lowsec drug suppliers purely because of their name and reputation. |
Zaxix
Long Jump.
154
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Posted - 2013.07.09 15:44:00 -
[36] - Quote
Rhadit wrote:If you want to start a cool business, start producing drugs.
My co-worker was an accountant irl so he sat up spreadsheets for orders and kept everything recorded. You cannot brand your freighter, but you can brand your drugs. Look at Es and Whizz. They're currently the biggest lowsec drug suppliers purely because of their name and reputation. You can brand your company, your thread, your service, but not anything you produce. There is no market category or filter for "Es and Whiz" brand drugs. Just drugs. ***Prodigal Frog***
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Rhadit
Nigerian Drug Manufactory co. xXPlease Pandemic Citizens Reloaded Alliance.Xx
20
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Posted - 2013.07.09 15:56:00 -
[37] - Quote
Yup. That's the only downside. I wish it be possible to make up your own drugs. It'd be too much work for ccp to do. |
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