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[Fanfest 2012] In-Game Banks, you said?
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Rimase
#1 - 2012-03-25 12:18:24 UTC
Had vague memory of an in-game bank(s) in EVE. Is this true? Did someone at Fanfest yesterday say this?

I totally want to see it happen mainly to see Shares and a Shares Market actually working if there's any relevance to that. Someone in-game was clued-up on real-life shares market models to do with banks. Sounded awesome.

There could be several types of banks!
http://en.wikipedia.org/wiki/Bank#Types_of_banks

Looking to join Caldari Faction Warfare corporation!
malaire
#2 - 2012-03-25 12:24:17 UTC
Rimase wrote:
There could be several types of banks!

- Ponzi banks
- direct "I take your ISK, wont give anything back" banks
- real banks which works until CEO runs with money
- ...

Lol

New to EVE? Don't forget to read: The Manual * The Wiki * The Career Options * and everything else
Mara Rinn
Cosmic Goo Convertor
#3 - 2012-03-25 12:28:14 UTC
The EVE Central Bank suggested by Dr. E (CCP resident economist) is planned to be a CCP controlled non-player bank which will be used to help control the PLEX market. That's the theory anyway, and some folks are arguing that any form of regulation will be bad for the market which has worked well in the "laissez-faire" fashion for quite some time. Dr E's counter argument is that PLEX are special since they make up 25 percent of the market, and that CCP wants to ensure that players aren't squeezed out of the game by extreme PLEX prices.

The EVE Central Bank is not going to interact with players, so it's not somewhere you can invest your ISK horde to make more ISK.

Day 0 Advice for New Players
Tanya Powers
Doomheim
#4 - 2012-03-25 12:28:17 UTC
I wouldn't find any use since I have the perfect tool to take care of my own wealth. If I could use the same concept in RL I'd be the happiest guy out there.
Lexmana
#5 - 2012-03-25 12:30:15 UTC
malaire wrote:
Rimase wrote:
There could be several types of banks!

- Ponzi banks
- direct "I take your ISK, wont give anything back" banks
- real banks which works until CEO runs with money
- ...

Lol


Don't forget
- 'Icelandic' banks - speculating all your money away and declare bankruptcy.
ElQuirko
University of Caille
Gallente Federation
#6 - 2012-03-25 12:31:51 UTC
Mara Rinn wrote:
That's the theory anyway, and some folks are arguing that any form of regulation will be bad for the market which has worked well in the "laissez-faire" fashion for quite some time.


Hey, that sounds like exactly what I said. Including the words "Laissez Faire".

Dodixie > Hek
Tanya Powers
Doomheim
#7 - 2012-03-25 12:36:04 UTC
Lexmana wrote:
malaire wrote:
Rimase wrote:
There could be several types of banks!

- Ponzi banks
- direct "I take your ISK, wont give anything back" banks
- real banks which works until CEO runs with money
- ...

Lol


Don't forget
- 'Icelandic' banks - speculating all your money away and declare bankruptcy.


Nope, that's the US economic model.

In short, speculate others money, loose it, declare bankruptcy but still share billions of dollars of primes for their traders and big hats. Bankers, the 21th century criminals?
Mara Rinn
Cosmic Goo Convertor
#8 - 2012-03-25 12:58:35 UTC
ElQuirko wrote:
Hey, that sounds like exactly what I said. Including the words "Laissez Faire".


Well, it is practically impossible to talk about regulation without bringing up laissez-faire sine these terms represent opposite sides of the assumed dichotomy between government intervention and corporate freedom :)

Day 0 Advice for New Players
Landrae
The Scope
Gallente Federation
#9 - 2012-03-25 12:59:31 UTC
Give a man a gun, and he can rob a bank.

Give a man a bank, and he can rob the world.

Welcome to Eve Online
Jett0
Ministry of War
Amarr Empire
#10 - 2012-03-25 13:05:21 UTC
Interesting idea. Supported, as long as the option to take all the monies is still present.

And while we're at it, make a working stock market too!

Occasionally plays sober
Mr. Orange
Band of Freelancers
#11 - 2012-03-25 13:13:30 UTC
Fun fact!

EvE Central Bank was a PLAYER OWNED corp up until a few weeks ago, until CCP basically STOLE the corp from the player.


Roll
Steve Celeste
Doomheim
#12 - 2012-03-25 13:30:21 UTC
Mr. Orange wrote:
Fun fact!

EvE Central Bank was a PLAYER OWNED corp up until a few weeks ago, until CCP basically STOLE the corp from the player.


Roll

I am sure that the player was compensated with 2 plex for his loss, just like they did when the Enigma was stolen back.
Mr. Orange
Band of Freelancers
#13 - 2012-03-25 13:33:56 UTC
Steve Celeste wrote:
Mr. Orange wrote:
Fun fact!

EvE Central Bank was a PLAYER OWNED corp up until a few weeks ago, until CCP basically STOLE the corp from the player.


Roll

I am sure that the player was compensated with 2 plex for his loss, just like they did when the Enigma was stolen back.


A laughable 6 actually.... Ugh
Rimase
#14 - 2012-03-25 13:36:30 UTC  |  Edited by: Rimase
EVE Central Bank may be the beginning of a new feature(s) to EVE Online.

Quote:
Central banks are normally government-owned and charged with quasi-regulatory responsibilities, such as supervising commercial banks, or controlling the cash interest rate. They generally provide liquidity to the banking system and act as the lender of last resort in event of a crisis.
http://en.wikipedia.org/wiki/Bank#Types_of_banks

Sounds like something that's going to open doors for other bank types or bank accounts!

Looking to join Caldari Faction Warfare corporation!
Qvar Dar'Zanar
Ministry of War
Amarr Empire
#15 - 2012-03-25 13:39:29 UTC  |  Edited by: Qvar Dar'Zanar
Lexmana wrote:
malaire wrote:
Rimase wrote:
There could be several types of banks!

- Ponzi banks
- direct "I take your ISK, wont give anything back" banks
- real banks which works until CEO runs with money
- ...

Lol


Don't forget
- 'Icelandic' banks - speculating all your money away and declare bankruptcy.


At least they send the bad bankers to jail. ANy other country does the same, just that they are big enough to avoid bankrupt by gifting the banks OUR money (again), and that they don't send them to jail.

Mr. Orange wrote:
Fun fact!

EvE Central Bank was a PLAYER OWNED corp up until a few weeks ago, until CCP basically STOLE the corp from the player.


Roll


It's called expropiation. All governments do it afaik.
Tobiaz
Spacerats
#16 - 2012-03-25 13:54:52 UTC
Mara Rinn wrote:
The EVE Central Bank suggested by Dr. E (CCP resident economist) is planned to be a CCP controlled non-player bank which will be used to help control the PLEX market. That's the theory anyway, and some folks are arguing that any form of regulation will be bad for the market which has worked well in the "laissez-faire" fashion for quite some time. Dr E's counter argument is that PLEX are special since they make up 25 percent of the market, and that CCP wants to ensure that players aren't squeezed out of the game by extreme PLEX prices.

The EVE Central Bank is not going to interact with players, so it's not somewhere you can invest your ISK horde to make more ISK.


PLEX are also special because they are a substantial part of the income of CCP. And fluctuating prices on EVE's market mean fluctuating sales of PLEX and companies really hate unpredictability when it comes to their profits.

CCP is also EXTREMELY nervous about the sheer volume of unused PLEX in the game right now. If everyone would cancel their subscriptions, stop buying new PLEX and just use the ones already ingame to pay for their subscription, it could potentially ruin CCP. Having so much 'debt' towards it's customers is not something investors like to see.

That's why CCP is desperately trying to get us to spend those PLEX for non-gametime assets. The whole AURUM bull****, the charactertransfer, the HD-livefeed, fanfest tickets, and now even graphics hardware.

PLEX is a brilliant invention by CCP, but also a bit of a box of Pandora that can't be closed.

Operation WRITE DOWN ALL THE THINGS!!!  Check out the list at http://bit.ly/wdatt Collecting and compiling all fixes and ideas for EVE. Looking for more editors!
malaire
#17 - 2012-03-25 15:51:25 UTC  |  Edited by: malaire
Tobiaz wrote:
CCP is also EXTREMELY nervous about the sheer volume of unused PLEX in the game right now. ...
PLEX is a brilliant invention by CCP, but also a bit of a box of Pandora that can't be closed.

Just introduce "last valid day" for PLEXes. This can be done easily e.g.:

All PLEX created during 2012 are "PLEX 2012" and valid for 2012 & 2013
All PLEX created during 2013 are "PLEX 2013" and valid for 2013 & 2014
...

No item attributes needed (like for BPCs), only one new item ID per year.

New to EVE? Don't forget to read: The Manual * The Wiki * The Career Options * and everything else
Torneach
Doomheim
#18 - 2012-03-25 16:20:06 UTC
No. EVE is a simulation of unregulated capitalism at its finest.

And as to the dear economist's position, if a person can't pay for the game with real money, why is he playing at all? If anything, PLEX should be a bonus, not a core feature.

However, a stock market and a working shares system would be pretty awesome, and I would love to see it implemented.
Rimase
#19 - 2012-03-25 17:07:26 UTC
Torneach wrote:
However, a stock market and a working shares system would be pretty awesome, and I would love to see it implemented.

Looking to join Caldari Faction Warfare corporation!
JitaPriceChecker2
Doomheim
#20 - 2012-03-25 17:21:36 UTC  |  Edited by: JitaPriceChecker2
Torneach wrote:
No. EVE is a simulation of unregulated capitalism at its finest.


Not really it isnt.

Real world is limited with space, resources and nature that must "supplement" our actions.

Eve has no nature and pretty much unlimited resources.

So while it may try to simulate capitalism it is totally disconnected from natural world thus results are totally different.