Player Features and Ideas Discussion

Eve banks are synonomous with scams and honest failures at the very best. The economy is one of EVEs greatest and most unique aspects yet hasnt seen any real update in a long time which makes me sad as there are alot of players willing to put in alot of thought and effort into it as evidenced by uncountable attempts to create somethign more like banks and 3rd party programs

Iv been trying to think of various ways CCP could improve and things like a stock market and player banking immediatly jump to mind. I'm too stupid to be able to think of a way a workable stock market could be implimented in any meaningful way

I also have drwan a blank when it comes to providing player savings accounts with some degree of safty against scams

HOWEVER! I have had a thought on player loans

Currently th only way a player can offer a loan to another with a degree of saftey is by demanding something as collateral. The problem with this is that the player wanting the loan has to phyiscally hand over something worth the money they want - making the loan totally pointless since the player can just sell that thing and buy it back later instead.
Its not like they can use a ship as collateral and still be abel to use that ship to make money to pay back the load like a bs for incursions or a hulk etc


What i propose is that NPC banks can offer a 3rd party garanteur service. Basically players can sign up to a npc bank as a garanteur and then when they go to a player corp for a loan, they will have something in their info card (maybe a new finance tab) that shows what their garantee amount is.

(think of it like the garantee amount your credit card will cover for checks)


There would need to be an ingame mechanic created, perhaps a new kind of contract for the loan agreement and should the player default on the loan, the npc bank will payout to teh loan corp - up to the limit of their garantee


To avoid players just taking loans and defaulting to generate infinate free isk, a system of credit will be needed that will determine the limit a npc bank will garantee that player for. If a player defaults on a big loan or lots of little ones, their credit rating will fall to a level where no npc bank will touch them

Successfully completing loans will raise a rating but no where near as fast as defaulting would lower it

The rating should be visible in the players finance tab so player corps can decide how much of a risk a player is and whether they want a garantee for the full amount or if someone has a very good history then they might be happy to accept a garantee for only part of the loan amount


A players standing to a npc corp would also effect the level of garantee they could get. Corp shoudl be abel to create laons to other corps as well so you could have financial institution rise with excellent credit ratings and trade history etc.


I think this idea would add much depth to the economy and create a whole new area of sandbox for clever ppl to run with:

We would literally scam the crap out of that thing. I would personally have as many alts as possible, all out improving their credit rating purely for me to eventually burn them, take the maximum ISK possible and transfer it all to my main. Biomass toons and repeat with fresh ones.


Even VG runners would call that kind of crap an ISK faucet. Well, unless they were doing it too. Then they'd cry about how no one can tell them to play the game.

The worst par its they'd have a head start on some people due to the amounts of isk they could use to improve their credit rating. Then they could truly do their bit to wreck the economy but still act like they were doing nothing wrong.

sry, more posts arrived while i was writing my reply :P

basically the collateral idea may be a bit of a dead end - however making a loan mechanic might still have legs -

in its simplest form some kind of mechanic for making loans would be good - like i said, maybe a new kind of contract, and some kind of record of credit rating - that way corps would have at least some method of deciding if a player is a big or small risk.

Perhaps if each loan contract set out the perameters of the loan and if the perameters are breached then the bank corp could (only through some buton on a failed loan contract) be able to lower the players credit rating.
Having a bad credit rating would increase trade fees (broker and tax etc) at stations so a really bad credit rating could screw you trading wise.

The amount the rating lowers should be automatically calculated bye the game according the loan amount and the amount not payed back to stop angry corps totally fking with a credit rating.
The corp should only be able to select whether or not to penalise or not - this allows for the option of players to come to a resolution between each other in the case of a failed loan, without the need to dmg the rating.

what about that?

yea - i mean player corps could still ask for collateral and stuff but there would need to be a credit system to help them decide what sort of loan to offer.
and i think a mechanic for creating the loans in game that would link to that credit system would be very important.

ugh . . . wrong button

probably a bit of a unrealistic idea but in the interest of trying to think of alternative methods-

a system of being able to use a ship as collateral where by the ship is impounded apon docking (and retrivable by the loan corp) should the loan fail....

yes the ship could be kept at a pos to avoid docking but that ship could not then be used in another scam and wolul never be able to dock again without surrendering it, which is quite a hasstle.

The ship would have to be in station in order to set up a loan contract with it.

I realise scamming could still occur but thats just part of eve. Hopefully this method of collateral would put off rampant scamming.


*edit*

ignore that - just realised that this would just be a method of ppl being able to pvp for free - buy ship, take loan, get ship blown up - loose nothing.