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Liquidity crisis past Vs present

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Member
Registered: Oct 2013
Posts: 3329
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: 3329
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: 3329
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: 3329
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: 3329
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
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: 3329
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: 3329
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: 3329
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: 3329
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: 202
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: 3329
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: 3329
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: 3329
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: 3329
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: 3329
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: 3329
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: 3329
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: 3329
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: 3329
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.
Member
Registered: Oct 2013
Posts: 3329
ब्याजदर वृद्धिबारे के भन्छन् बैंकर र उद्योगी ?
http://www.bikashnews.com/2017/01/29/49843.html


-ब्याजदर बढेसँगै उद्योगहरुको कस्ट अफ फण्ड बढ्छ । यसले कस्ट अफ प्रडक्सन पनि बढाउँछ । अहिले मुद्धतिमा १२/१३ प्रतिशत ब्याज छ, ऋणमा १६ प्रतिशत पुग्ने अवस्था छ । लामो समय यसरी ब्याज दर बढ्यो भने कस्ट अफ प्रडक्सन बढ्छ र जसले उत्पादनको मुल्य वृद्धि गरेर उपभोक्ता मुल्य पनि बढाउँछ ।

-सारमा मुद्रास्फिति पनि बढ्छ

-नेपालका उद्योगको प्रतिष्पर्धी क्षमता घटिरहेको छ यसले झनै कमजोर बनाउँछ । मुल्य वृद्धि बढाउँछ

Dont tell me, I did not warn retard governor, idiot finance minister (never listen to worthless peace of crap called 'Bureaucrat' said genius Jim Rojer), pm/fm need to approach non ex bureaucrat expert for advice. our bureaucrats are criminals and dumb.

NRB CEO retard thapa seems to be worst than Governor.


-संसारमा नभएको सीडी रेसियो नेपालमा किन चाहियो ?
Member
Registered: Oct 2013
Posts: 3329
बैंकमा आखिर किन छैन पैसा ? सरकारले पैसा खर्च गर्न नसक्नु सबै भन्दा ठूलो समस्या - See more at: http://www.bikashnews.com/2017/01/29/49756.html#sthash.hTMK9HYA.dpuf
Member
Registered: Oct 2013
Posts: 3329
तरलता अभावले बैंकिङ आजकल: 'कौन सुनेगा किसको सुनाए इसिलिए चुप रेहेते हेँ
http://www.bizmandu.com/content/-23408.html
Member
Registered: Oct 2013
Posts: 3329
बैंकहरुलाई आजै ५२ अर्ब रुपैयाँ तरलता प्रवाह, गभर्नर नेपालले भने- अब तरलता अभावको समस्या घट्छ
http://www.bizmandu.com/content/-23508.html

Retard is talking nonsense. This retard govt does not even know, this 52 billion will go to where it came from?

Dr in front of the name of retard is very dangerous. This retard became governor by licking sujata koirala who is know to be one of the biggest crook in NEpal.
Member
Registered: Oct 2013
Posts: 3329
राष्ट्र बैंक भन्छ, सीसीडीमा तत्काल कुनै पुनर्बिचार हुँदैन
http://merolagani.com/NewsDetail.aspx?newsID=29728

- NRB increased CD ratio when liquidity was excess, not its liquidity crisis, why are not NRB decreasing CD ratio requirement.

O I remember, dumb Governor said when there was too much liquidity- "We increased CD ratio to solve high liquidity ratio". How dumb he was, CD ratio ratio was suppose to increase so there depositor's interest would not crash, that's all.

Increasing CD ratio would not solve high liquidity problem, only increasing loan would cure it. Keeping money Idle is bad idea for economy, job creation, revenue growth, wages growth etc, but NRB had to protect right of the depositor so they had to increase CD ratio.

Today, there is no high liquidity problem, today, we have liquidity crunch, so NRB needs to reduce CD ratio and make money make money- help idle money help nepal's economy by creating job, revenue, increase wages and profit of BFIs too.

In world, BFIs profit is 100s of Percent, In nepal, around 30 EPS.

OUr policy makers are retard.

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