Do any bankers close something that they always make money on lolsally wrote:Can't believe they haven't shut that down yet.uk-laptops wrote:I knew i should of read this before buyinh 50000 shares lol
see never trust a investment banker :-"
Return/Redevelopment of the Banking System
Moderator: moderators
-
Guest
Re: doooooooooooohhhhhhhhh
-
Guest
-
Guest
alright i really dont care if someone has mentioned what im about to say cos frankly i cba reeading all those long post which aree more like fricking essays...
anyways
they could maybe add the back and you put cash in and you get intrest (like proper banks do) something like 1% a month or week or something proper instead of it being waste of time
also loans i think the amount you can take out should differ to your stat example..
retailer 1mil
millionair 10mil
billionair 100mil
and so on something reasonable and something thats actually not going to be so hard to pay back
and maybe give a warning like few weeks before telling you how much you need to pay back
how long u have left
because ye maybe people have borrowed more than they could pay back and in real life if you borrow 100mil and you dont pay it back you fixed assets get taken and you company evidentially is anulled
anyways thats it really
shadows power company signing off cya
anyways
they could maybe add the back and you put cash in and you get intrest (like proper banks do) something like 1% a month or week or something proper instead of it being waste of time
also loans i think the amount you can take out should differ to your stat example..
retailer 1mil
millionair 10mil
billionair 100mil
and so on something reasonable and something thats actually not going to be so hard to pay back
and maybe give a warning like few weeks before telling you how much you need to pay back
how long u have left
because ye maybe people have borrowed more than they could pay back and in real life if you borrow 100mil and you dont pay it back you fixed assets get taken and you company evidentially is anulled
anyways thats it really
shadows power company signing off cya
-
Guest
-
Guest
) it was removed due to the fact that people were offline lost pass ect and then lost their acc as their loans defaulted.
-
Guest
GREED inc. wrote:and just what makes you think we will read your?darenton2k7 wrote:alright i really dont care if someone has mentioned what im about to say cos frankly i cba reeading all those long post which aree more like fricking essays...
i couldnt give a monkeys if you read it or not lol but just because you dont read it doesnt eman no one else will
so bite me
-
Guest
what about being able to set up your own bank and player to player loans
anyway there shouold be away that everyone that plays kapilands be able to vote on certain ideas and that will tell the moderators/adminastrators that we want this kind like an online democracy but there would be trouble with multi accounting
Do you think that some of these forums are waste of time since everyone wants a certain thing and it gets annoyed i used to play this right at the start ( got banned for multi accounting and gave up) and people were putting the same things up and complaining about the same things as we are now what makes you think that they have any benefit.
anyway there shouold be away that everyone that plays kapilands be able to vote on certain ideas and that will tell the moderators/adminastrators that we want this kind like an online democracy but there would be trouble with multi accounting
Do you think that some of these forums are waste of time since everyone wants a certain thing and it gets annoyed i used to play this right at the start ( got banned for multi accounting and gave up) and people were putting the same things up and complaining about the same things as we are now what makes you think that they have any benefit.
-
Guest
-
Guest
I'm a fairly new player here, so I haven't got an idea how the bank used to work. that being said, Getting a new working system shouldn't be so hard, most of it I've already read in previous posts.
1) Have it be player - player, but "moderated" by the bank.
A player puts up an amount of money, and asks a certain percentage of interest for it in a certain period of time. The bank then adds a certain percentage to this (say an aditional 1%, this goes on the person who is borrowing the money, not the one putting it up, this is kind of like the market fee). This way, there's a market in which there's a competition with interest percentages, so a percentage based upon supply and demand would be established by the players
2) Have it be based upon the size of the player
I'd suggest this would be by calculating his most profitable products based on market prices and then seeing how much profit his buildings could possibly generate (if the player has mostly stores the same thing can be done) the maximum amount a player can borrow for an amount of time ould then be something like 75% of his max earnings over the period the loan should take)
3) IN case of default.
If a player is unable to repay the loan within the set term, I'd suggest that the bank temporarily seizes a few of his buildings (the amount could be based upon how much money still has to be repayed), but the bank does not take these buildings away permanently
rather, it uses them the same way a player would: It seeks out the most profitable products it can produce, based upon current market prices and the available qualities a person can produce. It then buys the necessary items in order to produce profitable products of the market, and sells the final product on the market. The obtained profit goes to repaying the loan, untill the loan is repayed, at which point the player gets the use of his seized buildings back.
Ofcourse a player can keep on repaying money for which the bank has already seized buildings in order to get them back faster (for example by selling items out of his warehouse)
As an additional punishment, in case of default the interest percentage would go up an additional percentage (0.5 goes to the bank, 0.5 to the player who put the money up for lending)
To me this seems like something that shouldn't be to hard to implement, and it doesn't ruin your game if you are unable to repay a loan in the set time
1) Have it be player - player, but "moderated" by the bank.
A player puts up an amount of money, and asks a certain percentage of interest for it in a certain period of time. The bank then adds a certain percentage to this (say an aditional 1%, this goes on the person who is borrowing the money, not the one putting it up, this is kind of like the market fee). This way, there's a market in which there's a competition with interest percentages, so a percentage based upon supply and demand would be established by the players
2) Have it be based upon the size of the player
I'd suggest this would be by calculating his most profitable products based on market prices and then seeing how much profit his buildings could possibly generate (if the player has mostly stores the same thing can be done) the maximum amount a player can borrow for an amount of time ould then be something like 75% of his max earnings over the period the loan should take)
3) IN case of default.
If a player is unable to repay the loan within the set term, I'd suggest that the bank temporarily seizes a few of his buildings (the amount could be based upon how much money still has to be repayed), but the bank does not take these buildings away permanently
rather, it uses them the same way a player would: It seeks out the most profitable products it can produce, based upon current market prices and the available qualities a person can produce. It then buys the necessary items in order to produce profitable products of the market, and sells the final product on the market. The obtained profit goes to repaying the loan, untill the loan is repayed, at which point the player gets the use of his seized buildings back.
Ofcourse a player can keep on repaying money for which the bank has already seized buildings in order to get them back faster (for example by selling items out of his warehouse)
As an additional punishment, in case of default the interest percentage would go up an additional percentage (0.5 goes to the bank, 0.5 to the player who put the money up for lending)
To me this seems like something that shouldn't be to hard to implement, and it doesn't ruin your game if you are unable to repay a loan in the set time