Almost every one knows that the Social Production Model isn't very functional, but in fairness to the developers it makes some kind of sense, so I have an idea to decrease the amount of money that is lost every turn, it goes like this:

Create a credit system, witch is, basicly, the surplus of money spent on social production that isn't used to produce something, this surplus would go to a pool of credit, witch would be available on the next turn, and WOULDN'T be cumulative (this credit would only be available for that turn, the next turn would have the surplus of the previous, and so on).

So what is this credit for?? to pay mortages, anytime that you buy something you get the option to pay in several turns, with interest, those payments are taken from your tresury, in the current model.

With this model those payments would be deducted from the credit you have, and if you don't have enough, the rest is from the tresury.

A simple example

On turn 100 you have 500 BC alocated to Social production, you use 100 of those to build stuff, witch means 400 will go to credit for turn 101.

On turn 101 you have 400 credit, you have 350 to pay for mortages (ships/buildings), that leaves 50 BC that goes to waste.

If you abuse on the mortages, when you lose the credit (your planets start constructions on upgrades for example), all the mortages comes from the tresury.

This credit system could be tied to, for example, the Economic Capital, so on the beginning of the game it would't be available.

Also, the AI's would need to be updated to use these system, and the payment options when you buy stuff (don't know if the AI buys stuff on mortages).

Can this system be implemented on a MOD or needs to be hardcode into the game????

Please leave comments and sugestions.