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Liquidity crisis past Vs present

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Member
Registered: Oct 2013
Posts: 3329
सरकारले चाहिएको अवस्थामा तत्काल पैसा फिर्ता माग्न सक्ने हुँदा बैंकहरुको समस्या जहाँका त्यही रहन्छ ।

त्यसमा विस्तृत रुपमा हेर्न बाँकी नै छ । त्यो सम्भव भएको कुरा चाँही हो । केही उपकरण बनाएर पठाउन त सकिन्छ तर ठ्याक्कै सर्व सञ्चित कोष नै सिफ्ट गर्न त कानूनी कुराहरु पनि आउँछ ।

- billions of rs is being deposited every hour as well as billions are cashed. But still bfis dont face problem, cause that money is being taken out from one and goes to another. and vice versa.

- since, keeping money in saving account in bfis is going to be new practice, and no one can tell exactly the out come. So start it as a trial and need to form committee so that they would be able to watch and change rules in weekly basis.

I believe it can be done, and increase govt revenue and creates job. But, there is no 100% guarantee, so start with 150 billion.


यो मिल्ने जस्तो मलाई लाग्दैन । ( yestai negative individual le des chalaya ko le , yesto halat cha)
Member
Registered: Oct 2013
Posts: 3329
सरकारी ढुकुटीमा आँखा : पहिला व्यापारीको, अहिले बैंकको
http://www.bikashnews.com/2018/01/07/84090.html

des chalaune bhane ke ho, taha cha babu???

PHd bhanne bitti kai allergy huna thalyo.



Govt to offer Rs80b pot to cash-strapped banks

http://kathmandupost.ekantipur.com/news/2018-01-07/govt-to-offer-rs80b-pot-to-cash-strapped-banks.html
« Last edit by The Rising Sun on Sun Jan 07, 2018 2:03 pm. »
Member
Registered: Oct 2013
Posts: 3329
ब्याज दर प्रतिस्पर्धा रोक्न राष्ट्र बैंकको नयाँ अस्त्र, तीन महिने सीमा, सिसिडी केही खुकुलो
http://www.bizmandu.com/content/-31094.html
Member
Registered: Mar 2014
Posts: 202
https://www.kantipurdaily.com/business/2018/01/03/20180103075758.html
संस्थागत निक्षेपकर्ताको ब्याजमा अंकुश लगाइने
संस्थागत निक्षेपकर्ताकाे पैसा तान्न ब्याज बढाउने प्रतिस्पर्धा भएकाे हाे अव नहाेला ।
बरु वैकहरुकाे ग्राेथ अलि कम चाहि हाेला ।
Member
Registered: Oct 2013
Posts: 3329
Something comical happened today Ramesh N ji.

Yesterday CCBL published 11.5 interest (hum) if they betrayed.

Today, CCBL has published again, 11.


Private sector is always proactive than bureaucrats. that is why i always say, govt should do their best avoiding doing business.

look at what happened to tamakoshi- cost has increase a lot.



to those idiot patrakar-

resource is always limited. they been talking, budigandaki can be financed locally. really?

bureaucrat gets profit if they delay project and delay project means huge increase in cost. look at tamakoshi.

about financing-
resources is always limited.
let's say you have 100, and 100 is enough to finance one project. if you spend that money on budigandaki, means you will be abandoning another project. how does making budigandaki by ourselves make it sensible when we take direct money from other project to budigandaki.

either we build budigandaki by ourselves and give project X to others or other way round.

back to zero.
Member
Registered: Oct 2013
Posts: 3329
Every investor with some knowledge knows market is well undervalued and will grow way high. and are looking to invest in right time.

11% could be the right time they were looking for.

SOme big investor, who sold yesterday, bought today.
Member
Registered: Mar 2014
Posts: 202
अाजका पत्रिकामा वैकहरुले निकालेका Interest Rate हेर्दा 11% भन्दा बढी Fixed Deposit मा नदिने सहमति वैकर्स संघकाे हिजाेकाे वैठककाे अघाेषित निर्णय रहेकाे देखियाे ।
Member
Registered: Oct 2013
Posts: 3329
The main reason behind liquidity crisis is Govt is raising more and more tax while not spending it. Depositing such revenue in the BFIs can solve liquidity crisis created by bureaucrats so lesser people will raise voice against bureaucrat for not able to spend development budged, which is being focused due to liquidity crisis.

Here is how, Govt can solve it and its rule of engagement:
1: In first phase/trial phase, auction 150 billion for saving account.

2: Choose at least 15/20 Bfis- Banks and dev banks.

3: Auction 3/5 billion at a time, those who buy it should buy whole. Then when there is no longer bidding for hole amount, then let them bid for lesser amount but offer 3/5 billion. Bid it for 15/20 times. Till bidding reach 15/20 times, tell, single bfi cant bid twice. After 15/20 times is crossed, them bfis can bid as many times as they want till 150 billion is sold. (more bidding after result is studied, bidding should be in quarterly basis)

4: The contact should be for 1 year and interest rate should not be changed.

5: One Bfi should not bid for more than 2 times of their capital for 6 month and 4 times of their capital for 1 year.

5: Those participating Bfis should be in profit for at least 4 year and book value should be more than 110.

5: Form a committee, whose tenure should be for 2 year, whose job should be to keep on studying the impact of putting govt revenue in saving account and make changes in rule in weekly basis. They should be proactive.

6: After depositing 150 billion in saving account, govt should spend money up to 100 billion from saving account only and study its impact. And make changes in rules when needed.

7: If depositing in saving account has more of a positive impact than negative. Then conduct such auction in quarterly basis and put all money in saving account.


I BELIEVE THIS WILL INCREASE ECONOMIC ACTIVITY WHICH WOULD INCREASE JOB OPPORTUNITY AS WELL AS REVENUE. SINCE, MONEY WILL BE MOVING FROM ONE BANK TO ANOTHER, SO THERE WONT BE CD RATIO CRASH IN AGGREGATE WHEN GOVT SPENDS THAT MONEY. .
Member
Registered: Oct 2013
Posts: 3329
तरलता अभावबारे अध्ययन गर्न समिति गठन, अर्थले बोलायो उच्च अधिकारीको वैठक
http://himalkhabar.com/news/6305

- NRB blames banks to hide their misfired policy and inability to address problem.

- Bureaucrats blame banks to hide their own incompetency in implementing budget.

CD ratio has always been tight. But, lately, Govt is raising more and more revenue but they are unable to spend it is creating problem. Which is the problem created by bureaucrat.

NRB could have easily solved these problem. But they are incompetent and gutless or just trying to maintain problem to crash NEPSE.

Look how advanced country handle this kind of problem:
China allows temporary use of cash reserve to support market liquidity
http://www.globaltimes.cn/content/1082648.shtml

- China has foreseen 45 day future's problem and already made a decision.

While our, NRB, bureaucrat whose aukat is joining election campaign of their master for masu bhat.
Member
Registered: Oct 2013
Posts: 3329
गभर्नर र अर्थ सचिव भेटेपछि उत्साहित हुँदै फर्किए बैंकर
http://www.bikashnews.com/2017/12/29/83248.html

- Its government, NRB who are suppose to be proactive to deal with these problem. They are suppose to identify future problem and prevent that from happening. Instead, current especially NRB and both and all, instead of doing so, they dont even accept the fact that problem has already happened.

I been saying, Bfis need 100/150 billion in reserve all the time. But our Governor, NRB kept on saying, there are enough money in the system- 12 billion, 36 billion.
And when one company decides to take back dividend back to their country, Bankers panic.

In the world, they go for search for candidate for Governor, In Nepal, they work harder to find puppy than to hire governor.
How come individuals whose aukat is joining election promotion team for mashu vaat be qualified to be Governor, directors of NRB, SEBON????/

SOLVING LIQUDITY IS A CHILD'S PLAY. ALL THEY HAVE TO DO IS BRING DOWN CD RATIO TO 12 AND PUT GOVT'S REVENUE IN SAVING ACCOUNT IN AT LEAST 15-20 BANKS AND DEV BANKS.
KEEPING IN SAVING ACCOUNT WONT HARM. ALL IT DOES IS, WHEN GOVT GIVE CHEQUE TO SOMEONE, MONEY FROM ONE BANK WILL GO TO ANOTHER. SO DEPOSITING IN 15-20 BFIS WILL REDUCE LIQUIDITY CRISIS IN INDIVIDUAL BFIS WHEN GOVT'S CHEQUE IS CASHED.



PS- Hope Oli is proactive in identifying problem being faced by Nepal, unlike sher bahadur or prachanda. And dont listen to idiots and fool patrakars.
Somebody said, intelligence of a leader can be guesses with the quality of individuals, he/she surrounds him/herself.
« Last edit by The Rising Sun on Fri Dec 29, 2017 4:14 pm. »
Member
Registered: Oct 2013
Posts: 3329
CD ratio has nothing to do with direct risk. Bank has to maintain CD ratio to handle depositors que, not to protect themselves from lending risk.
If you look at good bfis and not so good bfis, those make good money are less risky than those making little profit. Its not CD ratio that minimize risk.
If you dont let BFIs make good money, then it will accumulate risk. BFIs need to make good money to counter future possible NPL. More they make money, easier for them to handle such NPL.
How good BFIs may be, its just a matter of time, someday in future, there will be one bigger NPL, to handle it, they need to make money in the present.

Bring down CD ratio from 20 to 12. 1% in every qtr.

When there was over liquidity, NRB increased CD ratio, said over liquidity issue has been resolved (how does that solved it, it just make BFIs prevent from investing). And after over liquidity was eased, CD ratio requirement was not reversed. Why???

Change CD ratio requirement.

Dont listen to those patrakar, whose aukat is to herding sheep. or some alu economist.



'करिब ८० अर्ब राजश्व बुझाउन पर्ने देखिन्छ, गत बर्ष जस्तै सर्ट हुन्छ कि भन्ने डरले ब्याजदर बढाएर निक्षेप तान्ने प्रतिस्पर्धा गरेको हो भने डराउनु पर्ने कुनै कारण छैन। बैकल्पिक समाधानको उपायबारे राष्ट्र बैंकले काम गरिरहेको छ।'

बजार नै बिग्रने गरि ब्याजदर बढाउने होडबाजीमा नलाग्न राष्ट्रबैंकको चेतावनी
http://bizpati.com/punjibazar/13672
Member
Registered: Oct 2013
Posts: 3329
Is not it time to reduce salary and even fire incompetent banker CEOs?

कर्पोरेट हाउसलाई बैंकले आधार दरभन्दा तल ऋण दिन थाले, पैसा थुप्रिएपछि ठूला ऋणी तान्ने होड
http://www.bizmandu.com/content/-28603.html

They simply dont have vision and dont even have ability to analyse obvious data even worse, their dumb brain may not have identified clear data.

STOP OVER PAYING DUMBS.
Moderator
Registered: Jun 2013
Posts: 568
Location: Kathmandu, Nepal
The bank CEOs in Nepal move from one bank to another as if they are playing musical chair. They take their same old ideas with them where every they go, their motto being "If it ain't broken, why fix it?" These CEOs have become so familiar with each other that they are more like close friend than rivals. They try to avoid stepping each others toes. I think they use NBA just for that purpose.
Member
Registered: Oct 2013
Posts: 3329
The max (suicidal/extreme) interest for fixed deposit is suppose to be 9%, but retard CEO's offered 13/14% interest rate.

Are they dumb or what, just cause they dont have to pay interest from their daddy's pocket does not mean they can fix any rate???

I have been saying bankers are over paid, should not get more than 50 lakh salary. Now, I have to say, they should be fired cause they are too dangerous.

Those bankers who offered more than 9% interest should be fired.


And NRB should fix max interest for loan- 12% for banks and 13% for dev banks.


http://www.nepalipaisa.com/NewsDetail.aspx/id/17606
Member
Registered: Oct 2013
Posts: 3329
एक महिनामा एक खर्ब १९ अर्बले बढ्यो निक्षेप, कर्जा लगानी ४६ अर्बले वृद्धि
http://www.bikashnews.com/2017/07/28/67056.html


चार महिनामा ३ खर्ब ७४ अर्ब खर्च गर्नै पर्ने
http://www.bikashnews.com/2017/07/28/67043.html
Member
Registered: Oct 2013
Posts: 3329
Yes Ramesh N ji,

one think, fixed deposit-10% in my view would be too high. May be 7%?

When will loan interest decrease? I am waiting for NRB's latest deposit/loan report.
Member
Registered: Mar 2014
Posts: 202
The Rising Sun ji,
मेराे विचारमा वैकहरू अव Loan flow घटाएर अघि वढ्लान । धरै जसाे वैककाे Base Rate 10% भन्दा बढी भैसकेकाे छ । वचत र मुद्दतीकाे व्याज घटाउनुकाे विकल्प छैन र अव वचत नपाए Loan Flow वन्द गरेर भए पनि पहिलेकाे जस्ताे व्याज दर वढाउने प्रतिश्पर्धा गर्नु हुदैन । वचतकाे व्याज Below 6% , मुद्दतीकाे व्याज Below 10% र Loan काे व्याज Below 12% हुनुपर्दछ ।
Member
Registered: Oct 2013
Posts: 3329
CD ratio of sanima, global, and dev banks of those who have published BS has come down significantly.

When will interest come down?
Member
Registered: Oct 2013
Posts: 3329
गत आर्थिक वर्षको अन्तिम सातामा मात्रै बजेटको १० प्रतिशत रकम खर्च भएको देखिएको छ । यो रकम झण्डै १ खर्बभन्दा माथिको हो ।

खर्च लक्ष्य विभाजन

अर्थमन्त्रालयले बजेट पुर्ण खर्च हुने वातावरणको लागि अवधि अनुसार खर्च गर्ने लक्ष्य तय गरेको छ । यसअनुसार पहिलो चौमासिकमा २९.४४ प्रतिशत अर्थात ३ खर्ब ७६ अर्ब , दोस्रो चौमासिकमा ३७.८० प्रतिशत अर्थात ४ खर्ब ८३ अर्ब र अन्तिम चौैमासिकमा ३२.७६ प्रतिशत अर्थात् ४ खर्ब १९ अर्ब खर्च गर्ने लक्ष्य राखिएको छ ।


http://www.onlinekhabar.com/2017/07/611343/









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

#11 Thu Jun 22, 2017 9:31 pm
Member
Registered: Oct 2013
Posts: 2130
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: 3329
साना सबै गाभेर तीन/चार विश्व स्तरका बैंक बनाउने योजना, भारतमा सरकारी बैंक १२ वटा मात्र
http://www.bizmandu.com/content/-27331.html



In the develop countries, there are some big banks and many many very small banks too. We can do same in Nepal too if NRB, Govt wish.

Like, If Banks increase their capital by more then double through merger or acquiring other banks- then those banks would get 10% discount in income tax till 2025 and Govt would deposit 15-25% of revenue in saving account every year in those banks till 2050.

There should be three conditions- first come first serve UP to 3/4 banks and those banks should be fully owned by Nepali promoters and Until 2050, those banks should give at least 75% of the dividend in the form of bonus shares till capital reaches 100 billion.

This way, we can build 3/4 mega banks.
Member
Registered: Oct 2013
Posts: 3329
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: 3329
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: 3329
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: 3329
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: 3329
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.

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