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Swwils
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Posted - 2009.12.07 16:35:00 -
[1]
I was looking over the whole Ebank scenario and wondered if banks in eve have employed any kind of regulatory and supervisory financial institutions to monitor banks and provide deposit insurance.
Surly having an entity like the FDIC will improve pilot confidence in the banking system and also discourage bank staff from 'malicious events'.
Is this already going on? - and if so, which banks are Eve Deposit Insurance Corporation (EDIC)  verified?
- Many thanks
Samwise Wilson (swwils)
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Kalrand
Charles Ponzi School of Business
GoonSwarm
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Posted - 2009.12.07 17:21:00 -
[2]
Deposit insurance only works in the real world since the FDIC has the authority to shut down a bank, liquidate their assets, and payoff depositors.
In eve, there's no mechanic that will allow that.
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SetrakDark
Caldari
DarkCorp Technology and Finance
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Posted - 2009.12.07 17:24:00 -
[3]
Doesn't exist and never will under current game mechanics.
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Swwils
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Posted - 2009.12.07 17:54:00 -
[4]
Thanks for the info.
I wish CCP would support this kind of market more.
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Aerilis
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Posted - 2009.12.07 21:52:00 -
[5]
The EDIC could scam just as easily... Sure it would have some big names and reps in it, but look at the names behind EBank.
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Tylwyth Teg
Caldari
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Posted - 2009.12.08 07:22:00 -
[6]
 Originally by: Aerilis
The EDIC could scam just as easily... Sure it would have some big names and reps in it, but look at the names behind EBank.
Yeah, but think of the competition. You would have everyone trying to show how their EDIC was bigger than the next guy's.
:D
If this happened, there are only two outcomes:
1. Bank failure via scam results in liquidation of EDIC to pay outstanding covered balances.
2. EDIC has to charge too much for accounts to be insured, thus causing the EDIC to screw the banks out of their profits.
Imagine, an EDIC screwing a bank...hahah
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AmarrettoDiAmarr
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Posted - 2009.12.08 08:06:00 -
[7]
The last of the Eve Tribune entries on banking made some interesting points about the problems with ever getting banks to work in EVE. (tl;dr=won't happen, at least without some significant changes from CCP.
http://www.eve-tribune.com/index.php?no=4_49&page=5
The most elegant solution, but not viable for EVE of course, would be to use the actual FDIC. Entropia MMO got the same Swedish government regulator that monitors real banks, to back their MMO bank. So the Swedish government insures your MMO bank account for $60,000. Which is probably sufficient as most people spend less thsn $60,000 on a (non-poker) computer game. |
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