Banking system. Банковская система.

Минимальные скроки займов и требования к карме: 1кк и больше - миниму 1 день - 0-1000 кармы 10кк и больше - минимум 7 дней. - 1000- 5000 кармы 50кк и больше - минимум 30 дней - 5000-20000 кармы 200кк и больше - минимум 90 дней - 20000-60000 кармы 600кк и больше - минимум 180 дней - 60000-100000 кармы 1 миллиард и больше - минимум 360 дней - 100000 и более

Клиент решивший взять кредит, должен прийти в банк. Там он увидит множество предложений. При помощи фильров он выбирает самое подходящее придложение. Он указывает частоту выплаты кредита. Он делить его на количество частей. Например на 10 частей. Ему укажут единовременную сумму выплаты, а так же частоту выплаты, например каждые 3 дня. Так же по почте каждый раз будет приходить уведомление, о том что время вылаты подходит к концу. Если клиент не выплатил вовремя, тогда его задержка пойдет в счет установленного банкиром срока просрочки выплаты кредита. Если клиент задержал выплату на день, а разрешенная задержка 7 дней, тогда эти сутки вычтут из этих 7 дней. Минимальная задержка сутки. То есть задержка не делится на часы. По истечении этого срока кредит считается не выплаченым, клиент теряет карму и если он оставлял в залог имущество он его теряет. Если клиент уложился в сроки но все такие имел задержки, тогда он получает меньше кармы. Например разрешенный срок задержки был 10 дней, а клиент просрочил 5 дней, тогда кармы он получит на 50% меньше от занимаемой суммы.

• ГИЛЬДИЯ В ГИЛЬДИЮ:

The post was edited 24 times, last by Boogis ( Dec 27th 2017, 2:28pm ).

Boogis

• INTRODUCTION:

• MAJOR ISSUES:

1. Banking can be organised in two ways. First is through guild. Master of Coin will have an ability to borrow money to guild members through special guild bank, located on guilds island. Only people who have access to guild island can borrow there. (conditions described below) .
2. Second is a world bank same as guild bank but only its located in City. It looks like an auction house or black market. The building. Credits there can be given by banker via credit orders. Guild members can't get a credit from each other via world bank.

• KARMA AND CREDIT HISTORY:

• LOAN:

• SAFETY:

• TERMS:

Client, who decided to get loan comes to bank. There he can see many offers. By using a filters he can choose a best offer, He sets up how frequent he wants to pay off his loan. He divine it on curtain number of parts. Say 10 parts. Minimum is one day. Client can't split 7 days in 10 parts. He will be given a single sum of payment and also payment frequency, say every three days. Also all the time he will receive a mail saying that time to pay dept is coming. If client didn't pay in time then delay will goes to an account of clients delay period, set up by banker when he placed an order. If client was late for one day but his delay period is 7 days then this day will be subtract from 7. Minimum delay is 1 day. If client was late for just 1 hour then it counts like 1 day. Better pay earlier. After this term has expired, loan counts as unpaid. Client looses his karma and if he had property pledge he loose this too. If client paid full loan amount but yet had a delays then he gets less positive karma. Say delay period wa 10 days and he was late for 5 days then he gets 50% less karma.

• GUILD TO GUILD:Minimum karma is needed not only for client good reference as borrower, but also big karma will allow cient be able to loan large amounts of money from bank as it shown above. Because usually this amount is limited. This is necessarily for guilds to invest to other guilds. Master of Coin being a banker can boost his karma significantly on personal loans, so now he can borrow large amount of money himself, for his guild for property pledge. As guild has higher solvency and also has a lot of property, profit can be made for both sides. Having a loan Master of Coin can't just leave his guild, he must pay his loan first. Bankers while viewing his loan request can see that he has a position of MOC in some guild and they know that he represent this guild. MOC is authorized representative of his guild as money he borrows can have a negative effect on his karma.

The post was edited 13 times, last by Boogis ( Dec 27th 2017, 2:45pm ).

Boogis

now you making rich noble costume. all you have to do next is to create a banking system my other ideas

The post was edited 3 times, last by Boogis ( Jul 11th 2018, 1:49pm ).

Fred_the_Barbarian

Targun

Boogis

Midgard

Sounds great. i'll borrow huge amounts of money on an alt, transfer the money then delete the alt.

Youve had some awful ideas but this one takes the biscuit.

Boogis

Boogis

ZaZii

I'll borrow huge amounts of money on my alt, and ofc. pay those back with no hesitation. Then, then my karma is good, I simply take the biggest possible loan, move to my main and delete my alt. And I have 5 alts.

I just don't see how loaning money is a feature worth implementing.

You'll have to oversee so many different loopholes (devs can't even manage to balance the Staff of Imbalance with a hotfix) for an idea that doesn't even get used by the majority of the playerbase.

- People who have no idea what they're doing will get negative karma since they won't be able to pay it back. - People who do have an idea of what they doing, they can just move assets around and get silver on their own. - People who do have an idea but don't have any assets yet can try services from the trade-subforum where people loan silver.

Often it's enough to just cancel a buy-order for some quick silver, or liquidate some gold, or even ask the guild or a friend to loan silver. (when I was shitty at managing my silver I had loans from the guild - being at -30kk at some points)

You indirectly have a Karma-system in place. People who're established in the community and/or have important roles in relevant guilds, they automatically have higher "karma" then someone who just joined the guild. Therefore if a guild-master I've talked with a few times asked me for a favor, I won't hesitate. If some random with a shady name and 0 fame comes up to me with "loan me 1kk plz", i'll flip him of.

@Boogis Take a look at the last roadmaps of SI. They can't keep up with all the stuff they themselves want to add. They certainly can't keep up with every small fix/adjustment the playerbase suggests.

Now take a step back and look at your suggestions. Try to view them from the developers' perspective as in: "how much afford is it to add that system" and "how many players will we make happy with it". - Jeweler and Herbalist is probably the only suggestion worth considering. It does add content considering >90% of the playerbase, and it's just new items and slots. Implementing items I bet the devs got some practice in. Implementing a new slot requires a little more coding, but is no completely different/new system - so therefore also doable. - Most other suggestions are either not affecting enough population in an appropriate degree, or simply too hard to implement relatively to how little they add.

No bias here, just a friendly hint. I've been sharing suggestions left and right and most times they didn't even get commented on (ofc. as the guy who comes up with the idea you never understand the hate ^^) Don't burn yourself out with 1571283 different ideas and review them first from the developers' perspective before sharing.