A couple of us read the forum every day and save all the great feedback we get from the community (even if we don't respond to a thread, we definitely read it).
Wether its a cool new feature idea, a bug report, complaints, general feedback, or anything else really. We appreciate all of it and try to integrate as much of the feedback as we can into the short/long term planning.
We can't get to everything right away so we do our best to prioritise depending on how much of an impact we think a feature/improvement will have on the overall gameplay experience AND how much time it will take us to implement. Bugs are the exception of course.
your suggestions:
1. As I understand it, your suggestion is to create a "bank" corporation type, that profits from loaning out money and trading in shares. This is in essence what is already possible as a country/enterprise.
We discussed this in-house a long time ago and decided that the banking sector should be implemented in the manner that requires the least micro-management for the player.
2. Players used to have a lot more control over the banking system. This caused pretty big problems when a few clever players realised that they could bleed all their slave countries dry into the main country by handing out loans with stupendous interest rates.
3. Localised currencies have also been discussed as part of a feature package that would help countries differentiate themselves more like the real world (example: currency, political ideology, etc).
Since then we have dropped localised currencies from this idea because it would add a lot of complexity for players without really being beneficial for the average players experience.
Thanks for the suggestions. I hope my post gives you some insight on how feedback is handled on our end.
If you have any more questions/suggestions please fire away