Cyvhiros
School of Applied Knowledge
Caldari State
4
   |
Posted - 2012.07.19 10:48:00 -
[1] - Quote
I dont know if this may have been proposed before, I'll just do it now:
What about creating an Eve feature that allows the creation of an investment Bank system?
Eve online has a quite realistic economic system, but it somehow lacks the possibility of getting bank loans.
What I am proposing is an easy system, by wich any player with the adecuate skillset would be able to make use of a new Station Tab (such as the production chains on the industry tab) called "Bank", or something like this.
Any player or corp would be able to see those banks while docked and could either invest, or lend money from the amount spared on this "bank".
Of course, players wich invest money would after a certain time be able to recall their money, getting an interest as reward.
The banks on the other hand, would have to employ the money they get by investing it in different issues to be able to obtain benefits from this money and bay back their creditors.
If everything goes allright, then a player who has made a deposit in a back would get back a higher amount of money than the amount he invested (of course the bank manager would obtein a % of the benefits too, mainly the difference between his loans interests and the amount he has to pay back).
On the other hand, if the bank looses money (it has too many defaulters) then the payback for the creditors would be less (a % according to the money they deposited from the total money that is left on the bank).--> every investment has its risks.
Of course, players would be able to see a list of those bank, including information like how high interest they can get from a certain bank, or how high the risk is of making an inversion there (lets say rated from 0 to 10) based on the amount of times a certain bank could not pay back their debts, and creditors lost part of their money. Banks with a higher risk, would of course have to give a higher interest, to compensate their risk and be an attractive option for inversion.
To ensure that money is not stolen etc, a player / corporation lending money from a bank would be limited to a certain amount of money each time.
Also, players wich lent money would have to pay back in a certain space of time, if they dont, then they would enter a "defaulter" status, in wich all market purchases made by them would include a small tax, wich would be automatically given to the bank they lent money from, up to the full value of the ISK lent.
Aditionally, players / corps should have a certain "deafaulter" status, so that a bank may have an idea of how high the risk is of lending money to a certain corporation or player. |
Cyvhiros
School of Applied Knowledge
Caldari State
4
|
Posted - 2012.07.19 13:37:00 -
[2] - Quote
Dont get me wrong im not looking for a bank myself, I'm rather asking for a set of features to improve the actual possibilities of managing and establishing a bank in Eve, aswell as of offering those services to the public easier, safer and in a more direct way.
Just like a toolbox to improve this kind of activity, much like IRL. |