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Finance

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- A financial system has been introduced in most production facilities.

- Depending on the ownership, the building consumes financial services or acquires funds through bonds or stocks

- All ownership production methods now have their own unique effects, which increase as the building level increases.

- For example, Merchant guild ownership will try to reduce the amount of input goods by a small amount.

- In the case of private ownership and public trading, there is an effect of reducing more product input, increasing throughput rate, and reducing labor costs. public trading higher effect than privately owned. The higher the level of building, the greater the wage reduction, so if you run a country on an concentrated industry, the standard of living for your employees may be slightly lower than vanilla unless the government intervenes and sets an appropriate minimum wage.

- Government run do not feature any ownership, but are usually characterized by the erosion of previous ownership due to the change from private ownership or public trading.

- Worker cooperation, unlike other properties, has a higher thruoughput rate when the building phase is small. However, due to management unprofessionalism, the higher the level of the building, the lower the processing rate. Assuming there are no other processing rate bonuses other than economies of scale, the overall processing rate is higher than both privately held and public traded up to level 39. However, at level 40 it is overtaken by public traded, at level 43 it is reversed by private ownership, and at level 151 the overall throughput bonus goes to zero, after which it goes negative. If you plan to introduce councils in your country in the future, it is recommended that your country's industries be operated in an industry decentralized manner.

- Financial industry buildings that produce financial services are automatically constructed whenever the urbanization rate reaches 100, just like urban center

- Until you develop banking technology and change the laws of traditionalism or agrarianism, your only option is to produce a loan business that produces a small amount of financial services.

- Due to limitations of vanilla ui modding, you cannot see the bank industry building from the main window, but you can see each state's finance industry building through the building window.

- Trade centers now provide 50 urbanization rate per level, so a liquidity crisis may occur if the level of a trade center decreases for some reason.

- The amount of input goods, output goods, and labor costs in the downtown area have all been halved. In order to run a proper trading city, you will need to upgrade your downtown production methods.

- If you develop mutual funds technology, you can directly intervene in the bond market using government offices, and if you develop international exchange standard technology, you can directly intervene in the stock market through government offices.

- If you increase the gold reserves of the financial industry building, more minting and more financial services can be produced.

- If you control a significant portion of the world's gold production and produce massive financial services, you could end up dominating the world's financial markets.

- Due to the above changes, late industrialization countries are highly likely to achieve industrialization by receiving money from developed countries, and it becomes very difficult to achieve industrialization on their own without foreign capital.

- If you succeed in industrialization and have a significant financial industry scale, you can earn significant profits by entering the financial markets of latecomers.

- If you use the freight transportation cost mode together, you can feel the nostalgia of Victoria 2, where the capitalist reduces the amount of input goods and the railroad increases the processing rate. https://steamhost.cn/steamcommunity_com/sharedfiles/filedetails/?id=2918443135

- It is compatible with all other mods that have been uploaded directly before. https://steamhost.cn/steamcommunity_com/id/maplover0101/myworkshopfiles/?appid=529340

- It is likely to be compatible with other mods as long as ownership has not been changed or buildings have been added.

- This also applies to save files, but can make a huge difference to the economy.

- Arrange this mode below the Land Trade Pays for Transportation Cost mode.


- This mod is a mod that only developed the financial part with the permission of the creator of the EFM mod.
https://steamhost.cn/steamcommunity_com/sharedfiles/filedetails/?id=2918962860

- This mode is planned to be integrated into EFM, which deals with real estate, but it will remain a separate independent mode even after integration, and because of this situation, you can think of it as a light version of EFM that deals only with finance. So far you only have to turn on one of the two modes. https://steamhost.cn/steamcommunity_com/sharedfiles/filedetails/?id=2918962860

- As a result of the spectator test, the ai use it very well.

- Some or all of the building icons and product icons were drawn by Midjourney AI or taken from the Anno 1800 game.

- Korea Paradox Interactive Game Community Address: https://gall.dcinside.com/mgallery/board/lists?id=rome

- Supported languages: Korean, English

- All bug reports welcome