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My proposition is a small addition to the loan system that allows both loan givers and receivers to have some power of selection on where you want that money to go or come from. Like the contract offer/signing.
First, loans need to be separated in 3 categories:
(b) Common Market
These categories would be presented in the offer/request pages as check box options allowing the user to have a better control of the money. Options a and b would also be included in the automatic systems page as preferential locations for automatic loans (those caused by negative cash). When no loan offers are available in options a and/or b, International loans are used.
I have some corps, 1B and I'm in a common market and I want to set up some loans.
This is how it could be:
150B -> Local
100B -> International
250B -> Common Market
500B -> Total
Now that the loans are set, I check the a and b check boxes in the automatic systems.
Let's say I stock up and order immediately a bunch of products for my corps. Cash gets negative and since the option is selected in the automatic systems it gets the money from me. After the 150B run out, it looks for it in the common Market (including the 250B first, if still available) until it runs out then goes for the international ones (including the 100B first, if still available).
38 gamers voted for the proposal.
19 gamers voted against the proposal.
The proposal has been ACCEPTED.
We agree that players should have more control on where their money goes to and where their loans come from. The control should be even more details.
This is why we think that loans should be handled in an open market where requests and offers are matched and players can choose from offers and decide who the lender is and visa versa. We have already said before that such a market will be added to the game.
Such a market will solve the issue as in this poll and offer even more functionality.