Banking system. Банковская система.

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    • Banking system. Банковская система.

      English version is below. (UPDATE 2.1)
      • ВВЕДЕНИЕ:


      Унас есть система сборов средств гальдиями с ее членов. Так почему же не разнообразить игру еще больше и не запустить обратный процесс, сделать систему одалживания денег. Многие из нас люди образованные и знают, как положительно кредит влияет на развитие экономики. В связи с этим для развития нашей игры, где экономика полностью зависит от игроков, мы можем подумать о введении данной опции в нее. Банковского дела. Таким образом мы дадим реальные рычаги управления руководству гильдии, они получат больше власти и это придаст им большую значимость, а так же собственный рост. Так же это подтолкнем экономику игры в целом и гильдии в частности к более интенсивному росту. Люди будут больше торговать, собирать, крафтить и ходить в данджи, только для того что бы погасить долг. Но тем временем это даст толчек экономике, потому что деньги на покупку обмундирования и прочих нужд у них уже будут на руках, а значит будет совершаться больше сделок. Всем экономистам известно, что хорошо развивается только та система, в которой предприятия и частные лица могут получать кредиты. Что безусловно разнообразит игру и сделает ее более интересной.

      • ОСНОВНЫЕ ПОЛОЖЕНИЯ:


      1. Банковское дело можно организовать двумя путями. Первый это через гильдию. Казначей гильдии будет иметь возможность одалживать суммы игрокам через гильдейский банк расположенный на островах гильдий. (функции я обьясню позже).
      2. Либо второй вариант, когда будет мировой банк. Это такой же банк как и гильдейский только он расположен в городах. Он будет похож на аукцион. В виде здания. Кредиты в них выдаются путем помещения банкирами ордеров. Члены гильдии не могут взять кредит у своего члена гильдиив мировом банке.

      • КАРМА И КРЕДИТНАЯ ИСТОРИЯ:

      У игрока имеется кредитная карма и кредитная история. Карама зарабатывается игроком при удачном погашении кредита. Чем больше сумма погашенного кредита тем больше он получит кармы. 1 еденица кармы равна 10,000 серебра. В случае не погашенного кредита его карма обнуляется, и так же уходит в минус ровно на ту сумму на сколько у игрока был взят кредит. Данный эпизод записываетсяв его кредитную историю. Банкиры могут просматривать как карму так и историю игрока. В зависимости он этих показателей они принимают решение выдавать кредит или нет. Так же банкиры могут просматривать удругие показатели данного игрока, (mob fame, pk fame, craft fame, текущие займы) что может так же повлиять на положительное решение относительно кредита. Карма за кредиты внутри гильдии отличается от мироваой кармы для того что бы исключить возможность отмыва общей кармы с помощью кармы гильдии.
      ЗА каждую удачно законченую сделку банкир так же получает карму. Эту карму могут видеть потенциальные получатели кредита, и они выбирают того банкиру у кого эта карма выше всего. Если банкир будет вынужден покинуть гильдию то его с хорошей кармой возьмут с легкостью на другую работу банкира.

      • ЗАЁМ:
      Заем будет происходить при помощи ордеров. Банкир выставляет ордер на определенную сумму, так же он выставляет условия кредита. Его процентная ставка, срок кредита, максимальный срок задержки выплаты кредита, а так же процент того на сколько дешевле будет приниматься имушество клиента в качестве залога.
      Сумма кредита всегда фиксированная. Если банкир хочет заниматься более дорогими мелкими займами то ему нужно выставить столько ордеров сколько необходимо. Нельзя выставить одну большую сумму от которой суммы кредита будут вычитаться.
      Для того чтобы игроки не могли искусственно завышать карму вступив в сговор, банкиром имеет право быть только один казначей гигльдии состоящей из минимум 20 человек. Для этого казначей должен специально зарегестрироваться в банке и получить лицензию за определенную плату. У каждой гильдии один банкир. В мировом банке так же нельзя брать кредит два раза подряд у одного банкира. Необходимо сменить минимум пять банкиров прежде чем взять кредит снова у того же банкира. На гильдейский банк это не распространяется. Можно взять одновременно только 6 видов кредита. Один гильдейский и пять в остальных мировых столицах. Если гильдейский остров находится например в Кэрлеоне, тогда клиент не может брать кредит как в банке города так и в гильдии. Только в одном месте. При выдаче кредита банкиры могут видеть сколько займов вы имеете на данный момент.

      • БЕЗОПАСНОСТЬ:
      Банкир может выдавать кредиты без залога, опираясь лишь на карму и кредитную историю клиента. Но так же банкир может выдавать кредит под залог имущества. Имуществом может считаться все, что может продаваться в мире Альбиона. (например: станки, вооружение, ездовые, раходные предметы, ресурсы, и так далее). При помещении ордера банкир выбирает определенный процент, который определяет на сколько дешевле будет приниматься имущество клиента под залог относительно его рыночной цены. Если процент равен 50 тогда клиент должен будет оставить в залог имущества в два раза дороже его рыночной стоимости. Рыночную стоимость выбирает сам банк, как в аукционе. Если это гильдейский банк, то цены высчитываются относительно аукциона города в котором он находится. Полученый залог прикреплен к ордеру и не может быть получен банкиром до тех пор пока не истекут все сроки по выплате кредита. Только в том случает он получает залог в свое личное пользование. Если он его получил то он может продать это имущество на аукционе и погасить тем самым свои убытки, а так же может и заработать на этом. Еще одним пунктом безопасности является то, что банкир имеет право рассмотреть просьбу клиента о кредите. Он рассматривает его данные, а так же услови залога. Если залог его не устраивает или рыночная цена не была определена точно, тогда банкир может снизить выдаваему сумму на столько на сколько считает целесообразным относительно предлагаемого клиентом залога. Клиент в свою очередь волен принять это предложение или отклонить.

      • СРОКИ:
      Для предотвращения махинаций с переводом крупных сумм за короткий промежуток времени существуют минимальные ограничения.

      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:
      Минимальная карма необходима не только для того чтобы клиент мог зарекомендовать себя как хороший заемщик, но так же высокая карма позволит вам занимать большие суммы в банке. Потому что обычно сумма займа ограничена. Это необходимо для того чтобы гильдии могли инвестировать в другие гильдии. Казначей гильдии, будучи банкиром, прокачав свою репутацию на персональных займах, теперь может сам занимать большие суммы денег. Он это может делать для своей гильдии и под залог имущества. Так как гильдия имеет более высокую плаежеспособность, а так же обладает достаточным имуществом, это будет выгодно обеим сторонам. Имея заем казначей не имеет правы покинуть гильдию, до тех пор пока не погасит задолженность. Банкиры рассматривая заявление могут видеть что казначей занимает эту должность и знают что заем ведется от лица гильдии. Казначей является доверенным лицом гильдии, так как занимает деньги рискуя своей репутацией.

      Dieser Beitrag wurde bereits 24 mal editiert, zuletzt von Boogis ()

      • INTRODUCTION:
      We have system which collects money from it's members. (guild tax), so why not make the game more interesting and start a reverse process. Credit system. Many of us are intelligent people and we know how positive credits are for economics development. So concerning this for development of our game, where economy is fully player driven, we can think about implementing this option to it. Banking. This way we will give more power and control to guild leaders, which will make them feel more meaningful and push them towards to intense growth. It will also boost an economy in general, and guilds economy in particular. Players will do more tradings, gatherings, craft, farm dungeons, just to pay off their dept. But at the same time it will boost an economy, because money for their needs will be in their hand instantly, which means more trades will occur . It's well known to every economist, that only that system developing faster which can get an easy private and commercial credits. Indeed, it will make our game more interesting and diverse.

      • 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:
      Player has credit karma and credit history. Karma earned by players via successful loan repayment. As more the amount of loan he repay as more karma he get. 1 unit of karma equal to 10k silver. In case of outstanding loan clients karma drops to zero and also goes below zero for exact amount he didn't pay. This episode get written in credit history. Bankers can see both karma and history of the client. Depends on these factors bankers decide either approve credit application or not. Also bankers can look on other properties of client (mob fame, pk fame, craft fame, current loans) which can effect positive loan decision. Karma for guilds loans is different from world bank loans, to prevent karma loundry with guilds banking.
      For every successful deal banker also get karma. This karma is visible for potential bankers clients, so that they can choose highest karma banker. If banker would have to leave his guild for some reason he can be easily hired in other guild for the same position.

      • LOAN:
      Loan will occur with credit orders. Banker place an order for curtain amount. Also he sets up conditions of loan. It's an interest, loan term, maximum term of paying delay, and also percent % of how cheaper he will accept clients property as a deposit.
      Amount of loan is always fixed. If banker wants to deal with more expensive small loans then he should manually create as many orders as he needed. He can't just place one huge amount from which small loans will be subtract.
      So that players couldn't artificially overestimate karma via collusion, only one person in guild can be a banker. It's one Master of Coin of the guild minimum of 20 people. To do that Master of Coin should register for license , paying some fee. Every guild has one banker. Guild members can't get loans from their banker from World bank. Only in guild bank. Also in world bank clients can't get loan from the same banker twice in row. Clients have to change at least 5 bankers before take loan from the same banker. It doesn't apply for guilds bank. Client can take only 6 loans at the same time. One is from guild and another from other 5 cities. Say you island is in Caerleon then you can only borrow either from guild or from Caerleon. Bankers can see how many loans you have at that moment.


      • SAFETY:
      Banker can give loans without property deposit, but only rely on clients karma. But also banker can give loans for property pledge.
      Property may be anything what can be bought and sold in world of Albion.(e.g. crafting buildings, weaponry, mounts, consumables, resources, and so on) While placing an order banker can choose percent% , which can identify how cheap he will accept clients property pledge concerning its market price. If it's 50% then client should deposit property twice as more expensive then its market price (e.g. you want to get loan 10kk. banker offer you loan with 50% property pledge. This means that you have to give them two mounts worth 10kk each. if its 25% then you give him one mount worth 10kk and one 5kk, if it's 0% then just give him mount wirth 10kk, which is same what you borrows). Market price is being chosen by a nearest AH, if it's a guild bank then price are counts by AH of city where is g. island located. Property attached to order and can't be used by banker until all clients terms are expired. Only then he can start using the property. Once he got it he can sell it on AH and caver his loss and also he can make profit out of it. Another safety point is that banker can review clients application for the loan. He looks at his parameters and also conditions of property pledge. If he isn't satisfied with clients property or property market price has not been identified accurately then banker can reduce loan amount as much as he think its needed concerning clients property. Client on his end is free to accept new offer or decline.

      • TERMS:
      To prevent money transfer scams when players could transfer huge amount of silver for short period of time there are loans time limits:
      Minimum loan terms:
      1кк and more - minimum 1 day = 0-1000 karma
      10кк and more - minimum 7 days. = 1000-5000 karma
      50кк and more - minimum 30 days= 5000-20000 karma
      200кк and more - minimum 90 days = 20000-60000 karma
      600кк and more - minimum 180 days = 60000-100000 karma
      1 billion and more - minimum 360 days. = 100000 and higher karma

      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.

      Dieser Beitrag wurde bereits 13 mal editiert, zuletzt von Boogis ()

    • Targun schrieb:

      What if someone borrows money and stops playing?
      good question. i answered it already. its gonna work like in real life. if you stop paying then you have a deleyed period. say you got sick and cant playing albion. so stop paying for a while its fine but if you are complitly over your time then your special banking reputation goes to zero and maybe even to minus. and this episode written down in your credit history. so that all bankers can see how much you didnt pay up. in this system every banker will afraid to borrow to non trusty. so to borrow a lot you d have to build up your reputation first. if you fucke up your reputation there will be other bankers who specialize in small loans so that you can build up you reputation again. also bankers will have a choice. if amount is too big then they take your assets as a guaranty that you pay back. say you wanna borrow 100k silver. banker says - give me 1000 carrots as a deposit. after some time you give back banker 110k and he give you back you carrot. if you dont refund then banker sell you carrot on auction for 200k and make extra 100k. banker cant sell your carrot before your credit period expired.
    • Midgard schrieb:

      Boogis schrieb:

      Blah blah blah
      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.
      not everyone as stupid as you are bro )))) as this game stands for player driven economy banking system will also be driven by players. bankers will look at your fame they will look at your credit history your guild rank, your property, and only then they borrow money to you. nobody will borrow to your alt. bankers will borrow you say 10k then 50k then 100k then 200k then 500k then 1kk then 10kk and so on. thats how you get your credit karma. if you think that your 10kk fame char is cost 10kk then go ahead, delete it. also they can request deposit from you. say you wanna borrow 10kk they ask you for property deposit so you give them white direwolf as a deposit. which cost 20kk. banker cant sell it unless you didnt pay your dept. if you delete you account he just sell your wolf for 20kk and make a 10kk extra on this deal. easy as that. everything what can be sold can be a deposit.
      We can make it like every guild can be a bank and we can make some sort of menus like trading menu with extra options. or we can create common bank like a black market or AH where people will place orders. say im a banker and want to make business. i have 100kk. i place an order for this amount, set up my % of interest say 15% then i set up % from market price of your property, say 50% , time period say 3 month maximum payment deley time and press place. clients comes look at my order he want my 100kk. and he has 20 swords 10k each. bank system checking up market price of those swords and find out they cost 10k each. because your % from property is 50 then system counts that to cover 100kk you need to place proprty 200kk worth. so you match that and you place those swords. then you choose how ofter you will be paying off your dept, say you v chosen one a week. so you have to pay 9.6kk per week. then you sent your request. to me as a banker comes mail. i check it out where i cn see your credit karma and negative credit history also all your details. if i like you i accept your credit. after 3 month if you didnt pay your dept then i can get your swords and sell them. also there is an option where you can delay your payment say for one month. you send your banker request for delaying banker will automaticaly accept it as he set it up when he placed an order but you will get less credit karma for that. maybe twice as less. why we need bankers approval? cos there could be the case when there are no market price for your peroperty deposit. so banker will decide himself if your deposit satisfied him. if not he can reduce the credit amount and sent it to you for your approval if you are happy you press accept. if banker is not happy he can decline your offer.
    • UPDATE 2.0. PLEASE READ IT AGAIN. I'v changed it, shaped it, worked through again. Now i hope im made my point more clear, before it was just a mess , a raw idea, now it looks better. Check it out, please.
      __________________________________________________________
      АПДЕЙД 2.0 ПРОЧТИТЕ СНОВА. Я изменил его, упорядочил, переработал. Теперь я надеюсь я описал все более ясно, раньше было просто месиво, сырая идея, но сейчас это выглядит лучше. Зацените пожалуйста.
    • Midgard schrieb:

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

      Dieser Beitrag wurde bereits 1 mal editiert, zuletzt von ZaZii ()

    • ZaZii schrieb:

      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...
      dude if you ever do this to us you will be sorry that you were not born a pussy. whenever you are wherever you go we will be chasing you until we find you then we cut of you testicals and feed it to a dogs then we cut you on little pices while you are still alive and feed it to the sharks. then we cut off your head and feed it to the wolves. cos we are bankers we are fuking illuminati dont fucing mess with us. you think its f**ng joke? :evil: :evil: :evil: :cursing: :cursing: 8)
    • Boogis schrieb:

      dude if you ever do this to us you will be sorry that you were not born a pussy. whenever you are wherever you go we will be chasing you until we find you then we cut of you testicals and feed it to a dogs then we cut you on little pices while you are still alive and feed it to the sharks. then we cut off your head and feed it to the wolves. cos we are bankers we are fuking illuminati dont fucing mess with us. you think its f**ng joke?
      You need professional help. You are mentally insane.

      Do us all a favour and stop peppering these forums with your bullshit ideas.

      Dieser Beitrag wurde bereits 1 mal editiert, zuletzt von Midgard ()

    • ok man. i ll do it. i go to doctor tomorrow at tell him mr Midgard diagnosed me with insanity, i hope to get professional help. but i also will buy myself fake id and start getting banks loans. once i got good banking history i will get a biggest loan and disappear, and I will make post on this forum with words of thank you to you guys for such a great and not insane idea, which made me rich, however if after that i stop posting bullshit ideas then probably illuminati got me and fed me to the sharks. fingers crossed
      have a good day
    • seriously speaking i dont know why those idiots call my ideas insane. probably because they are insane themselves. i dont create some new ideas from my insane head. all my ideas came from real life so if you call them insane then you are defiantly insane yourself cos they work in real life. so you like those crowd from ancent times then jews just came up with banking idea and those fucks yelled: crazy!!!! lets burn them on fire. its never gonna work. all greatest ideas were treated bad when they just came out, because regular crowd normally just stupid af. and they dont get it. it need a looooooooot of time for them to understand what was obviouse for creators. so i dont mind what you try to call me insane. people like you burned Copernicus, and Bruno.
      have a good day )))

      Dieser Beitrag wurde bereits 1 mal editiert, zuletzt von Boogis ()

    • Fred_the_Barbarian schrieb:

      I still see absolutely nothing that requires any dev time. Why can't this be handled by players, like it already is?
      for the same bloody reason why u use banks in real life. there so many rich people, did anyone borrowed you some? no. the same time so many players cry : ohhhhh....i achived everything iv became multimillioner i have nothing to do i will delete this game. did they help anyone with their money? have you seen them borrowing weak guilds? no. never. but now they can become bankers and help people financially.
    • Boogis schrieb:

      Fred_the_Barbarian schrieb:

      I still see absolutely nothing that requires any dev time. Why can't this be handled by players, like it already is?
      for the same bloody reason why u use banks in real life. there so many rich people, did anyone borrowed you some? no. the same time so many players cry : ohhhhh....i achived everything iv became multimillioner i have nothing to do i will delete this game. did they help anyone with their money? have you seen them borrowing weak guilds? no. never. but now they can become bankers and help people financially.
      They're already capable of doing that.
    • Then create a system in the game that allows players to have loans to buy what they want at a given time.
      But that already exists, it's called the gold market and it's Sandbox interactive that sells those loans!

      I understand your idea, but probably SI will not create a new system for the silver in this game, especially one as yours which indirectly goes against one of its sources of income!