A few suggestions for a potential future finance dlc/update

[0watcherinthewater0]

1. Add the credit pool to the investment pool. Private construction should be able to finance building through debt like the government/player can. Obviously this would also require that private construction factor in interest payments when determining the profitability of a building. Maybe add it to the predicted earnings?

2. Enable bankruptcy on the scale of individual buildings. So if a building can't make a profit, it closes, and any creditor buildings lose their interest payments from that building. Some events to intervene could be thrown in here if your economy suddenly has a lot of buildings going bankrupt for one reason or another.

3. Enable free-floating interest rates. Them starting high and ending low creates some weird, ahistorical behaviors, and it makes much more sense just to tie them to demand and supply for investment.

4. Uncap building cash reserves, have the amount pops contribute to them dependent on the above-mentioned interest rates, with contributions being capped at whatever would bring those pops to their minimum expected SoL.

Alternatively to 4, add banks as, a separate building that aggregates all the cash reserves of buildings in a state, with the same lack of a cap to the amount of money that could be put in. This would clean things up a bit and maybe enable some cool bank-specific production methods or something.

5. Abolish Capitalists as a normal job type. Separate ownership shares from employment (except for in co-ops), with pops being able to have multiple shares in multiple different buildings depending on how much they have contributed to the investment pool. This change would also make implementing foreign investment a little easier.

6. As part of the above change, any pop in any job would be allowed to invest a fraction of their income. It could be the same arbitrary fraction that capitalists have now or it could be tied to interest rates in some way.

These are just a few of my (admittedly very unlikely to ever be implemented, but would still be very cool to see) ideas. Thoughts?

 

[mos1718]

I have suggested similar changes before. To me, the game just screams for an expansion of financial mechanics. There should be liquidity crises, over-speculation, foreign direct investment and financial imperialism.

I like your idea of floating interest payments. You could make them tied to your GDP growth rate. That way the capitalist AI borrow money from banks or the investment fund at low interest rates during growth periods, investing that money into buildings, and if that building fails to make enough profit to cover the interest rate, the capitalist takes a wash. This could create natural boom/bust cycles that they player would have to navigate. As your economy grows, there is lots of cheap money to be invested. But if some industry has issues, then capitalists start losing money, the banks take a hit, and the interest rates rise. As that happens, your economy starts slowing and you as the player will have to start making choices.