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Author |
Thread Statistics | Show CCP posts - 2 post(s) |
Kara Books
Deal with IT.
237
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Posted - 2012.11.19 21:12:00 -
[61] - Quote
every one starts at zero, work to get to 100 instead of spending time complaining. |
JoostSkywalker
Future Corps Sleeper Social Club
4
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Posted - 2012.11.27 11:33:00 -
[62] - Quote
I have to see the first EVE bank that gives out credit instead of taking credit. Were all banks can be "trusted", Eve banks can be "trusted" even more.
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Bugsy VanHalen
Society of lost Souls
272
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Posted - 2012.11.27 16:50:00 -
[63] - Quote
Darth Gustav wrote:Player > Hi, I'd like to borrow 1 billion ISK please.
NPC > Great, just fill out this form and we'll deposit the balance (minus fees) into your wallet! Then, all you have to do is repay us in a timely fashion and CONCORD won't kill your ship.
Player > That's great!
NPC > Thanks for doing business with Eve Bank of Legitimacy!
Player > No no no, thank you.
Player then transfers 1b isk to his main and forgets that alt account ever existed, buying PLEX with the proceeds in an effort to perpetuate this scheme with a different "free" paid account.
Yeah, great idea! Sign me up! Because thats how real banks work?
You want a loan you need assets to back it up. As in collateral.
I would picture this working in EVE as the character or corp having assets as collateral.
A ship would provide collateral equal to the platinum insurance value of the ship. You must maintain the insurance on the ship or it will be impounded, you can not refit or undock it while impounded. if you use it and it gets popped the insurance goes to the bank to pay the loan. just like in the real world if you wreak your car the insurance money goes first to pay off the car loan. You get whats left if anything.
If you have a jump freighter sitting in a hanger unused you can get a loan against it equal to the value of its current insurance value. You pay the loan back in monthly or weekly installments. As long as you keep the ship insured you can use it on the basis that if it gets destroyed the insurance pays off the loan first before awarding you any returns.
Other assets in your hanger used as collateral would simply be locked down. you can not consume them or move them. Stuff like BPO's could still be used but not moved or sold while being used as collateral.
It would be a cool mechanic if done right. |
Ruvin
Ministry of War Amarr Empire
26
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Posted - 2012.11.27 21:13:00 -
[64] - Quote
i will agree with some that it can work with some basic principles .
The problem if its needed , it trasnfers a part of gameplay which is in player hands into a controlled structure runned by npc or by rules .
So i dont like the idea , giving freedom to ppl to organise by themselves imo is better .
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epsilonion
Lightbringer's Sanctuary RAZOR Alliance
9
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Posted - 2012.11.27 23:17:00 -
[65] - Quote
Sod having a bank,
Just give everyone another wallet division so we can put isk in, so it would act as say a savings wallet so we can separate disposable isk from saving isk.
ISK is easy enough to come by in game..
Just something as simple as another wallet division in every ones wallet would help many of us..
bank sounds nice for people with billions and billions to sit in a bank account and collect interest, <--- that part is not needed, as to loans in my opinion just mission, rat, mine a couple of hours more you will soon get your isk..
O and yes I know this wallet division thing has been around for some years, I remember posting on a similar forum post approx in 2007.
Status Shuffle Click Here |
Mr Pragmatic
97
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Posted - 2012.11.28 22:30:00 -
[66] - Quote
Well, there could be a limit on how much a player/corp/alliance that can invest. Plus CCP loves there diminishing returns.
I agree players should control Eve banks, how ever the tools that CCP gives to the players is rather limited atm. Maybe this world is another planet's hell. -Aldous Huxley ( -í-¦ -£-û -í-¦) - "What are your modules like?"
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