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Liquidity crisis past Vs present

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Member
Registered: Oct 2013
Posts: 2521
75billion more added to BFIs.

When will interest come down to normal level??


http://www.bizmandu.com/content/-27316.html

It's not like, when local govt spend that money, Deposit in BFIs will be down, rather it will go up.

When local govt spend that money, only ownership will change, the ones getting paid will also keep that money in the bank, only bank may change but deposit wont. But instead, when BFIs lend it to borrowers, that money lended will be back to bank again and that deposit will be lended too.

That 75B will only multiply, wont decrease. This is what we call running economy. And keeping money in NRB vault will prevent the circle of economy. Which is bad, Economist, NRB are suppose to know this circle of economy. And how it harms society and country.



Today was disappointing as has been for more than last 9 month. Hope from tomorrow, it will be good NEPSE.
« Last edit by The Rising Sun on Sun Jul 16, 2017 7:41 pm. »
Member
Registered: Oct 2013
Posts: 2521
यस्तो रहेछ ब्याजदरको बिषयमा राष्ट्रबैंक मौन बस्नुुको कारण
Read more at http://www.bizshala.com/story/%E0%A4%AF%E0%A4%B8%E0%A5%8D%E0%A4%A4%E0%A5%8B-%E0%A4%B0%E0%A4%B9%E0%A5%87%E0%A4%9B#Mv8au3LlzEMfBHtd.99



उनले मौद्रिक नीतिमार्फत ब्याजदर व्यवस्थापनको नीति नलिइनुु पछाडिको कारण केही समयपछि बजारमा लगानीयोग्य पूँजी पर्याप्त हुने राष्ट्रबैंकको प्रक्षेपणले काम गरेको समेत खुलाए । साउन तेश्रो साताभित्र सबै स्थानीय तहका लागि सरकारले ठूलो बजेट निकासा गर्दैछ । भूकम्पपीडितले घर निर्माणका लागि बाँकी किस्ता समेत निकट भविष्यमै पाउँदैछन् । उनले थपेयसरी सरकारी बजेटको ठूलो हिस्सा बजारमा आउनेछ र यसले तरलता बढ्छ । तरलता बढेपछि ब्याजदर आफैं घट्नेछ ।


उनले राष्ट्रबैंकको विश्लेषण गलत साबित भएर तरलता अभावको समस्या यथावत रहे आगामी आर्थिक वर्षको पहिलो त्रैमासमा मौद्रिक नीतिको रिभ्यूू गरी ब्याजदर नियन्त्रणको उपकरण जारी गर्ने समेत वचन दिए । सरकारले अपेक्षित खर्च गर्न सकेन भने हामी चूप लागेर बस्दैनौ । उनले भनेत्यसकारण ब्याजदरको बिषयलाई ठूलो समस्याको रुपमा नलिनुहोस् ।
Member
Registered: Oct 2013
Posts: 2521
बैंकहरुमा तरलता बढेपछि राष्ट्र बैंकले बुधबार १० अर्बको निक्षेप किन्ने प्रस्ताव गरेको थियो। यसमध्ये ७ अर्ब निक्षेप बैंकहरुले बेचेका थिए। बिहीबार फेरि २० अर्बको निक्षेप किन्ने प्रस्ताव गरेको छ। अहिले बैंकिङ प्रणालीमा ८६ अर्ब रुपैयाँ अधिक तरलता छ।
http://www.bizmandu.com/content/-27237.html


Kasto retard governor, NRB.

Central bank suppose to pump IN chase to prevent interest rate crash. Is interest rate in Nepal, under performing?????

kasto khate haru governor huna aucha.
Member
Registered: Oct 2013
Posts: 2521
मौद्रिक नीतिमा एफएनसीसीआर्इको टिप्पणी, ब्याजदर वृद्धि नियन्त्रण गर्न कुनै कार्यक्रम आएन
http://www.bizmandu.com/content/-27191.html

- OUr dumb retard governor does not understand, current interest crisis is national security threat. He thinks 10% interest rate is bottled water and 15% interest is boiled water and thinks people can manage boiled water for a year.

No idiot governor- 10% interest is boiled water and 15% interest is dhal ko pani- can not be consumed.




Monetary policy has fixed min deposit rate of 3% interest. (which I wanted)

Why is not there max interest rate for loan???

Now, what NRB could do is (if they are honest and want to do the right thing before its too late) send circular to BFIs and advice them to bring down the lending rate- 12% to banks and 13% to dev banks with in few months.


And tell them, in next 6 month monetary policy evaluation period, NRB will fix max lending rate of 12/13% and BFIs will be given just one month to do so.

Tell them to prepare from now.

I know, governor is incompetent, and still I would like to advice him, to control out of control interest rate now, or he will regret his whole life after he is retired- and that day, he wont get a chance to undo his current mistake.

-----------------

This governor, finance secretary need to die or get fired or resign.
Member
Registered: Oct 2013
Posts: 2521
Monetary policy has fixed min deposit rate of 3% interest. (which I wanted)

Why is not there max interest rate for loan???

Now, what NRB could do is (if they are honest and want to do the right thing before its too late) send circular to BFIs and advice them to bring down the lending rate- 12% to banks and 13% to dev banks with in few months.


And tell them, in next 6 month monetary policy evaluation period, NRB will fix max lending rate of 12/13% and BFIs will be given just one month to do so.

Tell them to prepare from now.

I know, governor is incompetent, and still I would like to advice him, to control out of control interest rate now, or he will regret his whole life after he is retired- and that day, he wont get a chance to undo his current mistake.
Member
Registered: Oct 2013
Posts: 2521
बैंकहरुको संस्थापक निक्षेप थप पाँच प्रतिशत घट्ने
http://merolagani.com/NewsDetail.aspx?newsID=34298

- this should help in bring down interest rate by a little.
Member
Registered: Oct 2013
Posts: 2521
वायुसेवा निगमलाई ऋणको भारी, व्याज अधिकको समस्याले थप जहाज भाडामा मात्रै ल्याइने
http://www.bikashnews.com/2017/07/04/64409.html


- this is one of the main reason, I have been telling retards in NRB, finance ministry, PM, so called expert- interest rate crisis is national security threat so take it as crisis and resolve the crisis.

Nepal is ran by pashupati ko kripa.

and sher badur is going nuts.
Member
Registered: Oct 2013
Posts: 2521
१३ प्रतिशतसम्म पुगेपछि ब्याजदरमा लाग्यो ब्रेक, मुद्दति निक्षेपमा बिस्तारै थाल्यो घट्न
http://www.nepalipaisa.com/NewsDetail.aspx/CBL/Civil-Bank-Ltd/id/17173


यता, मेगा बैंकले पनि बचत निक्षेपमा बिहीबारदेखि कार्यान्वयनमा आउने गरी ६.५० प्रतिशत ब्याजदर कायम गरेको छ ।

यसअघि मुद्दति निक्षेपमा सबैभन्दा बढी ब्याज जनता बैंकले दिएको थियो । १३% ब्याज दिएको जनताले अहिले ११ प्रतिशतमा झारिसकेको छ ।
Member
Registered: Oct 2013
Posts: 2521
NRB mulling to increase size of refinancing fund

- Post Report, Kathmandu


http://kathmandupost.ekantipur.com/news/2017-06-26/nrb-mulling-to-increase-size-of-refinancing-fund.html






७ प्रतिशतमा लिएको ऋणको ब्याजदर १२ प्रतिशत पुग्यो, नयाँ मौद्रिक नीतिमा के आउँछ ?
http://www.bikashnews.com/2017/06/25/63568.html



मौद्रिक नीतिमा निजी क्षेत्रको सुझावः सुलभ व्याजदर
http://merolagani.com/NewsDetail.aspx?newsID=34057
Member
Registered: Oct 2013
Posts: 2521
By the end of this month, BFIs could have above 100 billion lendable liquidity. 125-150bill probably. Interest of old loan and deposit could be down by around 2% within 45days.
Member
Registered: Oct 2013
Posts: 2521
कर्जा जान छाडेपछि घट्यो निक्षेपको ब्याजदर
http://www.onlinekhabar.com/2017/06/599673/

-Those who give big interest on deposit suffer for a long term.

-Those who charge big interest usually have higher NPL.

Study many times before investing in those BFIs.
Member
Registered: Oct 2013
Posts: 2521
तरलताको समस्या बढ्नेतर्फ एफएनसीसीआईका पूर्वअध्यक्षहरुद्वारा सरकारको ध्यानाकर्षण
Read more at http://www.bizshala.com/story/%E0%A4%A4%E0%A4%B0%E0%A4%B2%E0%A4%A4%E0%A4%BE%E0%A4%95%E0%A5%8B#od6L8LKRtdQUi7V8.99
Member
Registered: Oct 2013
Posts: 2521
वित्त क्षेत्रमा कर्जा योग्य लगानी अभाव आर्थिक वृद्धिको चुनौती : विश्व बैंक
http://www.onlinekhabar.com/2017/05/583776/


I have been saying this, no idiot responded/cared instead started to blame one another.

Now, khaire has spoken.

kahe ta holi jasto cha aba.
Member
Registered: Oct 2013
Posts: 2521
बैंकको एसएमएसले ब्यवासायी तनावमा, भन्छन् ब्याजदर धान्न गाह्रो भो
बेस रेट ११ प्रतिशतसम्म
http://www.onlinekhabar.com/2017/04/575435/

-- it incompetent NRB governor and NRB team. they are nothing but dogs of politicians and evil foreign govt.
Member
Registered: Oct 2013
Posts: 2521
NRB, governor, finance minister, finance ministry, pm, opposition party, so called economic expert lai out of control interest rate joke jasto lagya cha jasto cha- Ramesh N ji
Member
Registered: Mar 2014
Posts: 152
The Rising Sun sir,
That is good idea.
If Banks give loan in 16% how much for micro finance.
It is not real crisis. It is competition for business growth for capital growth.
Same money they are hooking here to there.
If they decrease interest Rate deposit will not decrease more than 5%.
For increase new deposit in banking channel whole system should change like, Above 1 lakh payment by cheque only, cash less money system, bank in remote area etc.
Member
Registered: Oct 2013
Posts: 2521
बढ्दो ब्याजदर नियन्त्रण गर्न राष्ट्र बैंकलाई परिसंघको आग्रह
http://www.onlinekhabar.com/2017/04/573351/


- very simple: just fix min and max rate.

for bank - 6.5-12.5% (lending rate)
for dev bank- 7- 13.5
Member
Registered: Oct 2013
Posts: 2521
अडानले भन्यो, वित्तिय तरलताले लगानीमा नकारात्मक असर पर्यो, तत्काल सामान्य बनाऊ
http://www.bizmandu.com/content/-24402.html


RIP to those so called expert who speak only after crisis hit the ceiling.
Member
Registered: Oct 2013
Posts: 2521
विपन्न वर्ग र उत्पादनशील कर्जाको ५० प्रतिशत घटाएर सीसीडी रेसियो गणना, लगानीयोग्य पुँजी सहज हुने - See more at: http://www.nepalipaisa.com/NewsDetail.aspx///id/15939#sthash.7xy2owpm.dpuf

- If they had done this when there was already crisis but BFIs had not increased interest rate, Governor would have become problem solver even if he were not problem stopper.

I had warned /advised them around one month before BFIs interest rate went out of control. And governor, NRB would not have face blame for everything they should be blamed or not. even crook like lakpar lama insulted them. sati ko sarap.

Its time, NRB warn BFIs to decrease interest or face music.

Interest rate is too much.
Member
Registered: Oct 2013
Posts: 2521
व्याजदर बढेपछि वीरगञ्जका व्यापारीले अर्थमन्त्री र गभर्नर गुहारे, 'बढेको ब्याज फिर्ता होस्'
http://www.bizmandu.com/content/-24194.html

- thank god, no idiot so called expert called "interest rate going up and down is normal, interest rate is determined by demand and supply, so relax. No need for NRB intervene ".
Or did some body???

This is the worst governor in the history of the world, bad news is all those running economy are idiots and dangerous - PM, finance ministry, finance secretary, governor, sebon, nepse, high ranking officials in economic ministries, sher bahadur.
Member
Registered: Oct 2013
Posts: 2521
उत्पादनशील क्षेत्रलाई कर्जा लगानी गर्ने बैंकहरूलार्इ थप १८० अर्ब लगानी विस्तार गर्ने सुविधा - See more at: http://www.bikashnews.com/2017/02/21/52154.html#sthash.bm18kGIT.dpuf


- 170 billion more cash now available, will the decrease interest immediately? this week, will there be SMS saying- yr interest rate has been reduced to 9%?
Member
Registered: Oct 2013
Posts: 2521
विज्ञ भन्छन्- राष्ट्र बैंक असफल भयो, अब बैंकले लगानी गर्न सक्दैनन् - See more at: http://www.bikashnews.com/2017/02/17/51768.html#sthash.K5YHfmwH.dpuf


NRB's job is suppose to be preventing crisis, but instead even after the crisis, they are saying there is no crisis, when BFIs are not lending, ONE DAY, and in the ANOTHER DAY, blaming someone for the crisis.

There is no one in top management in NRB who is capable of becoming future Governor, the most dangerous is director DR. something thapa (we all should do our best in preventing him from becoming future Governor)


Nepal needs to bring in adviser, even governor from China, Russia who faced, survived crisis created by mighty US.
Member
Registered: Oct 2013
Posts: 2521
राष्ट्र बैंक भन्छ, अर्थतन्त्र सबलउन्मुख, वित्तीय बजार सन्तुलनतर्फ
http://merolagani.com/NewsDetail.aspx?newsID=30116

- are retards in NRB still trying to cover the sun with their palm and think there is no sun?

पछिल्ला दिनहरुमा कर्जा प्रवाहको तुलनामा निक्षेप परिचालनमा भएको वृद्धिले वित्तीय बजार सन्तुलनतर्फ उन्मुख रहेको राष्ट्र बैंकको भनाई छ ।

how could retards say, there is plenty of food in the store by not distributing food.

how could they say, deposit vs loan ratio has improved by not providing loan.


I heard, BFIs still issuing gold loan - is this productive or unproductive??
Member
Registered: Oct 2013
Posts: 2521
१६ दिनमै जम्मा भयो ७१ अर्ब निक्षेप, कर्जा लगानी १५ अर्ब मात्रै, गभर्नर भन्छन-तरलता अभाव हल हुँदैछ - See more at: http://www.bikashnews.com/2017/02/14/51394.html#sthash.FqbtewsG.dpuf


उनले एक हप्तामा कर्जाको ब्यावजर २ प्रतिशत घटाउन सकिने र एक महिनाभित्रै निक्षेपको ब्याजदर पनि २ प्रतिशतका दरले घटाउन सकिने धारणा राखेका थिए ।
Member
Registered: Oct 2013
Posts: 2521
Recent history lesson:

During previous liquidity crash, one of the factor they blamed is saving account. They including then Governor, said on of the reason behind liquidity crisis was, BFIs focused too much on saving account and not fixed account.

Today, NRB is attacking "BFIs ignoring Saving account, calls it poor man's account."

These retard NRB officials, dont even know recent history, just 3/5year back history, how come they become NRB bosses. I remember BFI history, but those who are given BFIs regulating job dont know.

Its criminal politics doing all this.

MORAL OF THE STORY, THINGS SHOULD BE BALANCED. EVERY THING HAS IMPORTANCE.

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