Academy Banking Technology: Loan Shark (Medium)

[Shadowood]

Interesting post

Welcome to the forums mate!

[Astragek]

Suggested 6 years ago. No loan shark yet

[DezNutz]

Suggested 6 years ago. No loan shark yet

Unless mathematics changed recently, this suggestion was made in Feb 2016. It is currently Oct 2017. So it's 1 year and 8 months. Don't know how you got 6 years.

[sXs]

I would love to see this get some priority, but understand there is a lot on developers plate right now with new diplomacy, blockade, and FLAGSHIP!!!!!

[Astragek]

Suggested 6 years ago. No loan shark yet

Unless mathematics changed recently, this suggestion was made in Feb 2016. It is currently Oct 2017. So it's 1 year and 8 months. Don't know how you got 6 years.

Sorry my phone showed februari 2011 Or maybe I had a few too many too drink last night. Quite possible.

[Psychodad]

Suggested 6 years ago. No loan shark yet

Unless mathematics changed recently, this suggestion was made in Feb 2016. It is currently Oct 2017. So it's 1 year and 8 months. Don't know how you got 6 years.

Sorry my phone showed februari 2011 Or maybe I had a few too many too drink last night. Quite possible.

Well your apparently blissful ignorance of numbers would bode ill to you being able to have an appropriate number of drinks.

[Kangaroo]

There is a fundamental flaw with this as broached, a player being potentially required to display all liquidable assets to a banker whom is otherwise also a competitor/rival is such a heinous call that were it to be implemented I would no longer borrow.
I have no issue with the proposed Rank 10 and 20 "rewards" but the level 1 would end my not inconsiderable business as a borrower.

[DezNutz]

There is a fundamental flaw with this as broached, a player being potentially required to display all liquidable assets to a banker whom is otherwise also a competitor/rival is such a heinous call that were it to be implemented I would no longer borrow.
I have no issue with the proposed Rank 10 and 20 "rewards" but the level 1 would end my not inconsiderable business as a borrower.

The player could just refuse to consent and try a different banker.

You have no problem with Rank 10 and 20? So tell me how a banker should be able to mark items as collateral which requires the "Investigate" and than later Confiscate those items if he can't see them via a consented report.


I guess you think Bankers should take all the risk and just hand out their hard earned money with no checks available to them.

[Mack]

There is a fundamental flaw with this as broached, a player being potentially required to display all liquidable assets to a banker whom is otherwise also a competitor/rival is such a heinous call that were it to be implemented I would no longer borrow.
I have no issue with the proposed Rank 10 and 20 "rewards" but the level 1 would end my not inconsiderable business as a borrower.

Well i dont think i would use a bank that i dont get along with.. so your out on a huge debt huh

[Kangaroo]

There is a fundamental flaw with this as broached, a player being potentially required to display all liquidable assets to a banker whom is otherwise also a competitor/rival is such a heinous call that were it to be implemented I would no longer borrow.
I have no issue with the proposed Rank 10 and 20 "rewards" but the level 1 would end my not inconsiderable business as a borrower.

The player could just refuse to consent and try a different banker.

You have no problem with Rank 10 and 20? So tell me how a banker should be able to mark items as collateral which requires the "Investigate" and than later Confiscate those items if he can't see them via a consented report.


I guess you think Bankers should take all the risk and just hand out their hard earned money with no checks available to them.

You mean like now?

I would have no issue with a loan defaulter's assets being made knowable to a banker with whom that party had defaulted so as to enable 10 and 20.
I don't see the need for 1 at all if there is no loan default.

Well i dont think i would use a bank that i dont get along with.. so your out on a huge debt huh

Most of the loans I've taken out have been over a lengthy period, most at least 3 months and some 12 months or longer, you can make a lot of friends an enemies in 12 months, those that I might be comfortable accessing that detail on day one could easily be opponents within weeks let alone months or more. If you manage to maintain lifelong friendships with your bankers congrats to you..

FWIW all mine have either been paid out well ahead of time, or I am paying well over the default amount, something any banker I have dealt with could attest to. It wouldn't be a heinous piece of programming to assign a credit rating to a player based on his/her loan payment history, scaled for both the volume of loan and gc involved.