bug反馈：v11.0.61版本“AI银行在游戏初期就会不断破产”

[Kenny]

★ bug问题描述：

请先看以下两张游戏截图：

bug截图1.png (225.58 KiB) Viewed 653 times

bug截图2.png (175.08 KiB) Viewed 653 times

如上图所示，现在的游戏版本（v11.0.61），当“实时贷款与资产比率”小于“最高贷款与资产比率”时，银行的现金是可以转出的。并且当玩家暂停游戏，手动把“最高贷款与资产比率”拉到100%，下面的“实时贷款与资产比率”因为暂停的原因是不变的，所以可以转出的钱变多了，如下图所示：

bug截图3.png (230.31 KiB) Viewed 653 times

bug截图4.png (167.64 KiB) Viewed 653 times

但是当“实时贷款与资产比率”大于“最高贷款与资产比率”时，资金就无法被转出，如下图所示：

bug截图5.png (222.06 KiB) Viewed 653 times

bug截图6.png (166.58 KiB) Viewed 653 times

如上图所示，才超了这么一点点，钱就无法转出了。而下面的一项大于上面的，才是实际游玩的时候常常发生的。这就导致银行转入容易，转出难。向银行转入资金时，确实会短暂的使下面的一项小于上面的，但是资金贷款出去的速度是很快的，然后资金又无法取出。而AI的银行也会面临企业的大额取款。而游戏的银行改版之后，当银行的现金枯竭，如果不在几天内补齐，那么银行就会破产，而这会使得银行去发债借钱。但是又因为银行把绝大多数的资金都转拨入银行难以转出，企业的现金很少，这又会影响银行的放贷额度，是借不到多少钱的，AI在这种情况下只能开始拆分行来补窟窿，如果拆完都补不上的话，银行就会破产，这就是为什么现在AI银行非常容易在初期就破产的原因所在。AI是不会暂停游戏，然后调比例的。所以，现在的版本AI开银行是无法经营下去的，辛苦官方测试并希望将此bug给予订正。谢谢！

★ bug存档文件：

bug存档文件.rar

(4.91 MiB) Downloaded 10 times

★ 其他说明：
游戏版本号：v11.0.61；
DLC：全部开启；
MOD：未加载。

[David]

Hi Kenny,

This doesn’t appear to be a bug, but rather a logical outcome. It’s one of the challenges of operating a bank, and some AI companies may struggle with this. This is true in other industries as well - AI companies can also face difficulties in retail, manufacturing, and etc.

Based on my previous testing, most AI banks were profitable, and only a few went bankrupt. I recommend that you test several new games and comparing the number of AI banks that go bankrupt to those that remain profitable. If the ratio of failures to successes does not exceed 1:2, I think that’s reasonable.

[xianyue]

Hi Kenny,

This doesn’t appear to be a bug, but rather a logical outcome. It’s one of the challenges of operating a bank, and some AI companies may struggle with this. This is true in other industries as well - AI companies can also face difficulties in retail, manufacturing, and etc.

Based on my previous testing, most AI banks were profitable, and only a few went bankrupt. I recommend that you test several new games and comparing the number of AI banks that go bankrupt to those that remain profitable. If the ratio of failures to successes does not exceed 1:2, I think that’s reasonable.

大卫，你好。我是反馈这个BUG的玩家。这个BUG的严重性本身不在于银行是否能够盈利，而是在于银行的资金转入容易转出难。一旦银行将绝大多数资金转入，很快银行就会将资金贷出去。而这个版本，当“实时贷款比例”大于“最高贷款比率”，银行的资金就无法转出，在实际游戏过程中，这是极为常见的。一旦银行被企业大额取款，银行的现金不足，他们就会去发债、贷款。但是又因为公司现金不多，银行的钱又难以转出，所以贷款额度是有限的。而经过改版后，如果银行发生现金不足的情况，必须在几天内补足，要不然就会破产，AI在没办法之下就会开始拆分行，如果还是无法补足，银行就会破产，这是会连锁反应的，不知道你是否认识到银行资金“易入难出”的严重性。

[xuxin1458]

我觉得最好的办法是设置一个贷款和存款的比例上限，比如贷款最多占据存款的100%，剩下的钱可以取出来，这样就取款就没那么难了，现实中应该也是这样的，没道理资本家把自己的钱当作资本放到银行，还会被贷出去导致资本家需要钱的时候取不出钱

[David]

In the latest version 11.0.62, the bank can now transfer cash to the parent group with a more flexible loan-to-asset ratio. This adjustment permits the loan-to-asset ratio to exceed the maximum limit by up to 2%, as long as it does not surpass 100%. This change enables banks to more easily transfer funds to their parent group.

You can download patch 11.0.62 from viewtopic.php?t=10200

Please test if 2% is sufficient to prevent banks from going bankrupt in the scenario you described. If not, we can suggest to the dev team for increasing it to a higher percentage.

[Kenny]

非常棒！感谢大卫先生。