Capitalism 2 and Capitalism Lab Forum

Situation 1
1. Profitable Company "A" Take loan from Bank "A", and
2. Inject the money to Company "B" (Subsidiary of Company "A") for taking loan again from Bank "A".
3. Company "B" making Special Dividend to Company "A" and transfer back the money to Company "A", the rest money will make donation to the politic parties.
4. Make Company "B" Bankruptcy , then it will affect Bank "A" on Liquidity Risk.
5. Bank "A" declare Bankruptcy, the loan for Company "A" will become free Money and no need to pay back.

Situation 2

1. In early game, Company "A" take loan from Bank "A",
2. Bank "A" is facing liquidity Risk due to economic down , and declare bankruptcy.
3. Company "A" no need to pay back the loan and it become free money.


The question is, do we need the government central bank for taking control the Bank "A" asset and Company "A" continue pay back the loan to avoid these free money ; or any other suggestion for control this bug ?

its a game.. dont cheat if you consider it bad.. problem solved lol

cantdownloadit wrote: Thu Dec 04, 2025 8:49 pm its a game.. dont cheat if you consider it bad.. problem solved lol

The problem is , game force me cheated on "Situation 2".
Bank "A" bankruptcy due to economic down , then i no need to pay back any loan.

CK1309 wrote: Fri Dec 05, 2025 9:12 am

cantdownloadit wrote: Thu Dec 04, 2025 8:49 pm its a game.. dont cheat if you consider it bad.. problem solved lol

The problem is , game force me cheated on "Situation 2".
Bank "A" bankruptcy due to economic down , then i no need to pay back any loan.

I agree with the second issue. The dev team should in my opinion look to balance out how AI-banks scale down their own business in liquidity events, sell assets, close firms, stop giving new loans if they are not able to funds them selves. One can actually see the evil spiral when a bank starts to take on 10+ bonds with +20% interest rate - then it one can get a loan and wait for the bank to go bust. I believe banks going under are necessary, however this seems to be unbalanced atm (especially when realistic money supply is on). They simply give up instead of scaling down like any other sufficient company would when the economy is contracting.

Update: this issue is on the dev team's task list and it will be addressed in a future update.