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Metsfanmax
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Posted - 2008.01.12 23:58:00 -
[1]
Wouldn't it be cool if there were a central banking system that all players could use?
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Kirika Misono
War by Proxy
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Posted - 2008.01.13 00:06:00 -
[2]
I seem to recall BIG pushing an idea like this a while back.
Originally by: Clementina If you bug report it, you get ignored. If you post about it on the forums, you get banned. If you exploit it, you get rich.
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Black Prince
Royal Manticorian Navy
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Posted - 2008.01.13 02:11:00 -
[3]
I can access my savings no matter where I am in the galaxy...
Or do you mean loans? Problem with loans is that there's no effective way of establishing the reliability of the borrower nor ensuring repayment. IRL we have (shadowy and invisible) organisations that monitor our credit histories and we have legislation that puts us in the lockup if we default on a loan.
In EVE there's no effective method of recourse for theft (which is what defaulting on a loan is). A guy stole 120bn from my corp a while back. What can do we against him? Well if we're lucky we can pod him. That assumes that he hasn't just bought a cleanskin and sold off the dirty char. No recourse = no deterrent.
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Metsfanmax
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Posted - 2008.01.13 02:34:00 -
[4]
I meant a central banking system regulated by the game itself, not run by any actual player. It could allow (limited) loans to players, deposits with interest, etc.
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Black Prince
Royal Manticorian Navy
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Posted - 2008.01.13 02:51:00 -
[5]
How would you propose dealing with people defaulting on loans?
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Metsfanmax
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Posted - 2008.01.13 03:30:00 -
[6]
Well, first off, I think loans would only available to players with a given security status, to both ensure that completely new players don't take out a loan, give the ISK to someone else, and then quit, and to ensure that enemies of the Empire regions don't take out loans. Also, interests should grow higher if people don't pay back in time. Finally, CONCORD action would be used as a last resort if a player never pays back the ISK. Also, I think there should be some sort of system where your security status is related to how much ISK you can take out as a loan, so that the higher your sec status, the more you could take out on a loan. This would ensure the least risk of a loss.
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Ellaine TashMurkon
CBC Interstellar The Unseen Company
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Posted - 2008.01.13 15:42:00 -
[7]
1.Create a combat character like gallente with drones 5 or capable missle caldari. 2.learnign for a ratting cruiser should not take more then a week. 3.rat in 0.0 to get high security status 4.get loan 5.transfer to main 6.delete character
In fact, loan system is a terrible idea. There are thousands of rich old players with billions of ISK lying in wallets and not being invested. Operative players can cooperate with them, or just spend a few weeks running missions to get money for their capital BPOs. In fact, its not extremely hard to get capital for investment in Eve anyway, its hard to find something reasonable to do with 40 billion to make a profit.
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Metsfanmax
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Posted - 2008.01.13 18:06:00 -
[8]
Edited by: Metsfanmax on 13/01/2008 18:07:37 Edited by: Metsfanmax on 13/01/2008 18:07:18 That would be incredibly easy to monitor. If an account was deleted with unpaid loans, it would trigger a flag in the system, and a GM could monitor it. Since it's reasonable to assume that the person in question paid for that second account with the same credit card as they paid for the first one, it wouldn't be hard to catch; not to mention, the GMs could just look at the transaction records to see who the money was transferred to.
Additionally, there are other possible safety mechanisms; for instance, a separate wallet is created for ISK that you borrow from the Bank, and similar to the corp wallet, you can choose to pay for an item out of the loan ISK. This ISK could not be transferred to your main wallet, and could not be given to other players.
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Washell Olivaw
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Posted - 2008.01.13 19:00:00 -
[9]
CCP is unlikely to hire people to maintain an in-game bank. So any mechanic to catch players is going to have to be in the code.
Second: There's a GTC and character sell forum. Depending on the amount you can loan it may be profitable to buy an old character on an account paid for with GTC's, otherwise train one up, take out the max amount of loan, put up one or more Ravens as CNR's on the contract system with your main, buy them with the loaned money (thus, laundering it) and do all the stuff with the bought/trained up char in an internet cafe.
IP-adress: different Account payment: for the 2 accounts, different or at least not traceable to same person. Cash transfer: Plausible deniability. CCP would have to make scamming a bannable offense, which brings more trouble than it's worth.
The only reasonable secure option would be to link the height of the loan to the trained SP of the character, since people are unlikely to easily do away with trained characters. You could have the lowest loan become available at, say, 5 million SP. And even then the amount you could loan would be limited, due to the fact that 20 to 30 million chars go for only 5 to 10 billion ISK.
All in all, it's a big can of worms CCP has wisely kept shut so far.
Quote: Everybody has a photographic memory, some people just don't have film.
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Metsfanmax
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Posted - 2008.01.14 00:42:00 -
[10]
Like I said, there would be restrictions on what you could do with the loaned ISK. I'm sure that buying a character would be one of them, lol.
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Yuri Mengeroth
Minmatar Very Bad Things
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Posted - 2008.01.14 04:20:00 -
[11]
I've always relished the idea of a real, securable loan and credit system in Eve. I would suggest player driven only though.
Just a few of the issues to consider:
- Security
- Interest calculation
- Payment enforcement
- Credit and underwriting
- Collections
Loan security and collections would be the hardest pieces to design but could be done.
I think it would expand the already great economy of Eve. I've never seen any CCP plans to add this sort of thing... Are there any?
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Washell Olivaw
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Posted - 2008.01.14 04:24:00 -
[12]
Buying a character is a ISK transfer from one player to another. Can be done via the market too. You want to give people loans they can't spend in any way?
@Yuri: Player driven bank
Quote: Everybody has a photographic memory, some people just don't have film.
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Yuri Mengeroth
Minmatar Very Bad Things
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Posted - 2008.01.14 04:40:00 -
[13]
Originally by: Washell Olivaw @Yuri: Player driven bank
Interesting... I assume they require collateral in the amount of the principal? A secured loan. |
Kong iverz
Gallente
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Posted - 2008.01.14 09:02:00 -
[14]
Originally by: Metsfanmax Wouldn't it be cool if there were a central banking system that all players could use?
go back to wow^^ <3 hehe [center]"Kai Onslot > What u should do is fitting autocannons on that MOA for those up and close kinda things!" "Kai Onslot > "oh u wanna fly the rokh, start training up energy weapons" [b] DO not |
Yuri Mengeroth
Minmatar Very Bad Things
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Posted - 2008.01.14 10:20:00 -
[15]
Originally by: Kong iverz
Originally by: Metsfanmax Wouldn't it be cool if there were a central banking system that all players could use?
go back to wow^^ <3 hehe
Oh, I'm sorry... I forgot that simple-minded mission-running monkeys such as yourself can't comprehend anything more than the pew pew. |
Ishina Fel
Caldari Synergy. Imperial Republic Of the North
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Posted - 2008.01.14 14:28:00 -
[16]
A game-integrated bank is bad, because it would have to provide interest. Else it would be no different than the wallet. However, if the game provides interest on something, that means it generates money out of nowhere - a money faucet that fuels inflation.
On the other hand, with a player-run bank, the ISK for interest is earned by the bank by operating on the market or running projects - meaning, the ISK comes from the economy. There is no new ISK generated, it is just shuffled from one group of players to the other, in return for services rendered. Additionally, EVE has always been about player-generated content. I personally think that it is great that players have the ability to fill in blanks such as by creating a banking system. It is yet another way for someone to play the game. I wish there would be many more player-run banks aside from the two lone torch-bearers of EBANK and Fury Bank (find out about them in the Market Discussion Forum).
Of course, the issue with these player-run banks is security. What would help EVE much more than a game-controlled bank is much rather an ingame mechanism that allows protected, secure means for players to run such ventures.
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Metsfanmax
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Posted - 2008.01.14 21:57:00 -
[17]
I agree, it wouldn't be good to ruin the player-run aspect of it. I just couldn't think of a way to do that without destroying the purpose.
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Mehektet
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Posted - 2008.01.26 11:50:00 -
[18]
The bank should mirror world banking systems such as CD's, money market accounts tied to regional markets. Come on CCP you have an economist on your payrole put him to work!!!!
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