Suggestion about VC, Card Company, Securities (IB) + ETC

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1. VC
I'd like to propose a venture capital company. Venture capital companies can decide to invest seed money in potential start-ups after their inception, and can acquire shares by investing additionally in the Series A/B/C phase.

Finally, when the pre-IPO or IPO stage is reached, potential startups become real companies. The company will be established with strong technology, which will be able to induce market-destructive innovation.

The way a new company was formed in Capitalism Lab could have occurred if an existing company went bankrupt, but another way to create a new company through a venture capital company would help increase the intensity of competition in the game.

2. Card
This DLC needs a card company.

In most countries, credit card companies are often established as a part of banks, but there are many countries that operate separately. In order to reflect these characteristics, it would be nice to have the ability to internalize the credit card business of banks and convert separate operations of credit card companies, but it seems difficult to implement them functionally.

It would be nice to divide it into brands like Master and Visa and retail card companies like Goldman Sachs, Chase and Citi, and create commissions and card dealerships to do business similar to the current banking system. It would be nice to have new affiliates if we create more agencies, and to have the ability to make cards that provide more benefits to consumers or drive benefits to certain companies. (It would be nice if a function like a PLCC card that discounts fees when using the service of a subsidiary owned by the company is implemented.)

3. Securities (IB)
The most regrettable thing is that there are no securities firms in this DLC.

A securities company is needed. It would be great if companies such as Goldman Sachs and JP Morgan could be created.

Each company cannot trade securities directly on the stock exchange, but must trade only through securities companies. Securities firms can propose appropriate brokerage fees. Each company can change trading securities firms from time to time. Securities firms will also replace IPO and bond issuance, and if they replace listing, they will be able to be listed under better conditions (increasing the number of shares issued by public offerings, possible sales of old shares, and increased listing standards). Instead of being able to do bond work instead, it would be nice to collect certain fees based on credit ratings and allow securities firms to take over some bonds or raise their bond issuance limits through active overseas sales.

ETC)
I hope to have a reinsurance company. It would be nice to have a company that can take over insurance contracts from insurance companies and reinsure them, and it would be nice if insurance companies can sign deposit insurance contracts.

It would be nice to have an asset management company and a capital company (only for loan business functions).

Asset managers can launch and manage funds, ETFs, and REITs, and it would be good to receive appropriate fees to promote stable asset management. To this end, it is hoped that REITs will only bring "ownership" of department stores and offices by launching a system such as masterless contracts, and each company can continue to operate as a tenant.

Capital (loan business function only) companies are companies that have deleted the receiving function from banks, and are more specialized for low-credit companies and low-credit people. Capital companies will raise funds through bond issuance and loans to banks or securities companies. Due to these characteristics, the difficulty of operating the company will increase rapidly in each financial crisis, but I think it is a necessary system for those who want to focus on the financial industry.