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Liquidity crisis past Vs present

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Member
Registered: Oct 2013
Posts: 4834
परिसंघको प्रश्न: जीडीपीको ३५ प्रतिशत पैसा निष्क्रिय राखेर देश कसरी बन्छ?

If they had read my post, they could have said, what they said above, two years ago.

But I dont think, its 35%, probably 15-25%.








बैंकर्स संघका अध्यक्ष भन्छन्-'२-३ दिनमै भद्र सहमति ब्यूँतिनसक्छ |'
- Bring down institutional FD rate to 6.5%.

NRB should start new rule: Institution should not put more than 4% of their cash reserve in one BFI. It should include all pension funds, mutual funds, insurances, and all those corporation which has more than 25 crore cash.
« Last edit by The Rising Sun on Fri Dec 07, 2018 9:03 pm. »
Member
Registered: Oct 2013
Posts: 4834
How to tackle FD interest rate crisis?

-Make new rule: Pension funds, Insurance and all business with more than 1 arab cash can deposit max of 4% of their cash in One BFI.

One more rule to deal with FD interest rate crisis.

This way, if NICasia give 9% and others offer 7%, would be fine.
Member
Registered: Mar 2018
Posts: 626
नेपाल राष्ट्र बैंकबाट प्राप्त विवरण अनुसार २५ मध्ये १६ बैंकको निक्षेप असार मसान्तको तुलनामा साउन १५ मा घटेको देखिन्छ।
Again showing early symptoms of chronic economic disease.
http://www.bizmandu.com/content/20180821130350.html
Member
Registered: Oct 2013
Posts: 4834
Member
Registered: Oct 2013
Posts: 4834
सरकारी 'ब्याकअप' मा बैंकर्स संघले फेरी गर्यो ब्याज बढ्न नदिने भद्र सहमति, बचत ७%, मुद्दति ११%

सहमति अनुसार, संस्थागत निक्षेपकर्ताले अब साढे १० प्रतिशत मात्र ब्याज पाउने छन्। सर्वसाधारण निक्षेपकर्तालाई बढिमा ११ प्रतिशत ब्याज दिइने छ। यसअघिको सहमतिमा संस्थागतलाई ११.१५ प्रतिशतसम्म दिन पाइने थियो।

संघले ब्याज दरलाई अझ तल झार्नका लागि बचतको सीमा पनि घटाएको छ। पुरानो सहमति अनुसार ८ प्रतिशतसम्म बचतमा ब्याज दिन पाइन्थ्यो। बिहीबारको निर्णय अनुसार अब बचतमा अधिकतम ७ प्रतिशत मात्र ब्याज दिने सहमति भएको छ।

अब बैंकहरुले सबै ब्याजको भुक्तानी त्रैमासिक रुपमा मात्र गर्ने भएका छन्।

ऋणको ब्याज दरमा पनि अंकुस लगाइएको छ।


Why dont NRB fix max and min interest? There are <APE expert in social media supporting free market who expect freebies from our tax money.

Loan int: 7-12 (12 for finance, 11.5 for dev bank, 11 for bank) (dev and finance should get 3% concession in CCD ratio)

Deposit int: 3-8
Member
Registered: Mar 2018
Posts: 626
बैशाख लागेसँगै घट्यो घरजग्गा कारोबार, व्यवसायीहरु नयाँ बिकल्पको खोजीमा
WATER(LIQUID) will find its own way - REAL STATE to STOCK and viceversa.
Member
Registered: Mar 2018
Posts: 626
सानिमा बैंकले पनि विदेशबाट ऋण ल्याएर गर्ने भयो लगानी
सानिमा बैंक र आइएफसीबीच कर्जा सम्झौता
बैंकहरुमा तरलता अभावको समस्या कम हुँदै, सरकारी खर्चको प्रभाव निक्षेपमा/बैंकहरुले निक्षेप बढेसँगै ऋण पनि बृद्धि गर्न थालेका छन्।
Member
Registered: Mar 2018
Posts: 626
बैंकहरूमा पैसा आउन थाल्यो, २१ दिनमा ३० अर्ब निक्षेप संकलन
वैशाख ७ गते २२ खर्ब ६३ अर्ब रुपैयाँ रहेको वाणिज्य बैंकहरूको निक्षेप संकलन २८ गते २२ खर्ब ९३ अर्ब रुपैयाँ पुगेको छ
निक्षेप बढेसँगै बैंकहरू सहज बन्दै गएको
Member
Registered: Oct 2013
Posts: 4834
निक्षेप भन्दा कर्जाको वृद्धिदर उच्च हुँदा वित्तीय असन्तुलन देखियो : राष्ट्र बैंक

tero bau khaire le pani bhani sakyo- budget not implementing is the main reason behind liquidity crisis.

Increment in BFIs capital is another main reason. And NRB is behind it.

Liquidity crisis could have been easily avoided just by signing a couple of papers. But criminals/incompetent are our bureaucrats.


Bringing $ form international is turning out to be a flop too since rule is drafted by same incompetent bureaucrats.

dharti ko boj.
Member
Registered: Oct 2017
Posts: 1500
I feel the market is looking for valuation in PE multiple of 14-16 instead of earlier used to be 24-28. The Dividend yield has shrinked Invrstor looking for dividend yield of 9-15 percent instead of 2-4 percent.
Member
Registered: Mar 2018
Posts: 456
As soon as Mutual Funds Understands - Interest Rate is about to DIP

1 - All their FD will go into stock market
2 - Market to witness big turnovers and surges

Question is when will Interest Rate begin to Dip
1 - As Govt expenditure is accelerating
2 - As new govt will avail every way to increase the liquidity
3 - Trend of interest rate going down is likely to begin from next month (2/3 weeks from now)

.....Reseach, Analyze and Invest.... Baki Ishwor Ko Leela...
Member
Registered: Oct 2013
Posts: 4834
ब्याजदर उच्च हुँदा निक्षेपकर्तालाई फाइदा हुने भए पनि उत्पादन लागत बढ्न गई समग्र आर्थिक वृद्धिमा प्रतिकूल प्रभाव पर्ने भएकोले यसतर्पm राष्ट्र बैंक सजग रहेको गभर्नरले बताए ।

व्याजदर स्थीर बनाउने प्रयास

उपयुक्त मौद्रिक व्यवस्थापनका माध्यमबाट कर्जा तथा निक्षेपको ब्याजदरमा आउने उतार चढाबलाई नियन्त्रण गर्न, उच्च ब्याजदरका कारण कर्जा प्रवाह अबरुद्ध नहुने वातावरण सृजना गर्न तथा उत्पादनशील क्षेत्रमा लगानी विस्तारका लागि आवश्यक मौद्रिक तरलता उपलब्ध गराउन नेपाल राष्ट्र बैंक प्रयासरत रहेको उनले बताए ।

सरकारसँग समेत सहकार्य गरी पुनरकर्जा कोषमा थप रकम सुनिश्चित गर्ने, पूँजीगत खर्च बढाउन सरकारलाई अनुरोध गर्ने, ब्याजदर करिडोरमार्पmत् तरलता व्यवस्थापनको कार्यलाई अझ प्रभावकारी बनाउने, निर्देशित कर्जा कार्यक्रमलाई थप सक्रिय तुल्याउने कार्यलाई राष्ट्र बैंकले उच्च प्राथमिकता दिएको उनले बताएका छन् ।


Looks like who invested today are really blessed by lady luck. and those who dumped shares. .........

I added 25% more. thought, there is two off trading days, in this bullish market any good news may appear so added some more :D
Member
Registered: Mar 2018
Posts: 456
Liquidity
1 - This will get solved

Impact to MFI
1 - Direct impact will be on MFI
2 - Cost of funds becomes low
3 - Income remains constant or sustains normal growth
4 - Profit surges due to lowering cost of funds
5 - EPS of MFI will rise

Impact to commercial bank
1 - No major impact as amount of spread remains same

Impact to Economy
1 - Good for expansionary economy for increased investment

.....Research, Analyse & Invest.....Baki Ishwor Ko Leela...
Member
Registered: Mar 2018
Posts: 626
gradually liquidity problem is getting solved.
https://www.nagariknews.com/news/44722/

Cheers now investors will get enough loan from bank :) :) :)
Member
Registered: Oct 2013
Posts: 4834
While, So called expert, NRB, Beurocrats, media, wanna be economist all were saying "we have liquidity crisis cause Banks gave 15/20 extra loan than they are suppose to".

I said, main reason, there is liquidity crisis is "govt not spending revenue".

They did not listen to me, now, since khaire has spoken too "उनले स्रोतबीना बजेटको आकार बढाउने, पैसा खर्च नगरी कोषमा थुपारेर राख्ने र निजी क्षेत्रले परिचालन गर्ने रकम सरकारको कोषमा थुप्रिएर बस्ने जस्ता कारणले वित्तीय क्षेत्रमा उतारचढाव देखिएको बताए।".

Now they may listen.

Another reason is, BFIs restriction in lending capital and reserve as loan while they keep on increasing.

These problems could have easily been solved just signing one document. Deposit govt revenue in the BFIs and let banks give loan from capital and reserve.
Member
Registered: Oct 2013
Posts: 4834
Interest rate down by good number of almost all :D
Member
Registered: Oct 2013
Posts: 4834
We need to bring 200 billion now and 200+300 billion within one year.

And govt revenue and capital & reserve & 5% CD ratio cash of BFIs should join the system immediately.
Member
Registered: Mar 2018
Posts: 456
Sir, Anal Raj Bhattarai is RIGHT.
1 - Commercial Banks should be able to accept deposits from abroad as well, not just loans

...CREDIT CRUNCH SHALL SIGNIFICANTLY EASE IN COMING DAYS....BAKI ISHWOR KO LEELA.....
Member
Registered: Oct 2013
Posts: 4834
Yesterday, NMB was offering 10% interest for 2 week FD today, 5%

do they change offer for one client? jaha pani connection chalne
Member
Registered: Oct 2013
Posts: 4834
तत्काल ७८ अर्ब विदेशी पैसा भित्र्याउन राष्ट्र बैंकले नयाँ ब्यवस्था गर्दै, १०% ब्याजमै ऋण पाइने
Member
Registered: Oct 2013
Posts: 4834
स्रोत नभएर ऋण विस्तार ठप्प भएपछि आर्थिक वृद्धि प्रभावित हुने, स्रोत जुटाउन तीन विकल्पमा छलफल

नेपाल राष्ट्र बैंकले ७.२ प्रतिशतको आर्थिक वृद्धिलाई पच्छ्याउन बैंक तथा वित्तीय संस्थामार्फत एक बर्षभित्र ६ खर्ब १० अर्ब रुपैयाँ ऋण लगानी गर्ने रणनीति लिएको छ। सरकारको कुल विकास बजेटभन्दा ५५ प्रतिशत बढी रकम वित्तीय क्षेत्रबाट परिचालन गर्ने राष्ट्र बैंकको रणनीति हो।


used to think banks can lend 80% of what they have including capital/reserve. there were some who blamed increase in bfis capital to liquidity crisis. i thought they meant, cause of increase in capital, CEO had to make more profit so they had to lend aggressively. Turned out, those increased capital were kept outside the system.

350 billion, that's like 15% of economy. What do bureaucrats think they are doing? govt has more than 5% cash unspent. And another 20% of equivalent of the economy in the name of CD ratio is also outside the system.

total of more than 40% in Cash compared to GDP is outside the system. What kind of individuals is running Nepal? They are simply dumb or some evil foreign power are paying them to destroy our economy.

I believe to pay back depositor- 15% in bank and 12% in dev bank and 10% finance is enough. Govt can deposit revenue in BFIs and banks can lend 85-90% of their deposit. This is called mismanagement of resource.

This can be done over night with one decision.


दीर्घकालिन उपायका लागि बाणिज्य बैंकहरुलाई विदेशस्थित बैंक तथा अन्य निकायबाट पैसा ल्याउने नीतिगत सहुलियत दिनु पर्नेतर्फ छलफल अगाडि बढेको छ। राष्ट्र बैंकले यस बिषयमा 'होमवर्क' गरिरहेका बेला नवनियुक्त अर्थमन्त्री डा. युवराज खतिवाडाले पनि यसै दिशामा कुराकानी गरेकाले प्रकृया अगाडि बढ्ने भएको छ।

ब्याज दर, ल्याउने प्रकृया, सीमा, अवधि बारेमा राष्ट्र बैंकमा छलफल सुरु भइसकेको छ।

यस बाहेक बासेल थ्रीको पूर्ण कार्यान्वयन गरेर सिसिडी खारेज गर्ने बारे पनि बैंकहरुले माग गरिरहेका छन्। राष्ट्र बैंकले बासेल थ्री पूर्ण कार्यान्वयनमा जाँदा के हुन्छ भन्ने बारे अध्ययन सुरु पनि गरिसकेको छ।

साथै स्थानीय निकायमा जाने पैसालाई पनि बैंकहरुलाई निक्षेपका रुपमा परिचालन गर्न दिनु पर्ने बारे पनि छलफल भइरहेको छ। यसमा अर्थमन्त्रालयसमेत सहमत भइसकेको छ।
Member
Registered: Oct 2013
Posts: 4834
गभर्नर नेपालले भने- 'पैसा खोज्न विदेश जाने होइन, घरमै बैंक आएको छ त्यहीबाट पैसा बनाउने हो'

Cold war has begun between FM and governor. two retards. hope both kills each other.


People in UNDP must be laughing. they may be saying " we released yuraj k (who used to work for UNDP and posted in srilanka) cause he showed outdated syndrome, but, Nepali media keeps on making him god using UNDP job which had to release him for being too outdated.
Member
Registered: Oct 2017
Posts: 1500
Well i am not a Banker. But what i feel is If there is reduction in Interest rate by banks then we might see Many More Ponzy schemes by thags and fatta which will loot out the Public money in name of higher interest which will eventually be a Capital flight from the Nation.

Banker are in a better position to mobilize the fund of the Public as a deposits and deploy in Productive Sectors as a loans. Definitely they will deploy in those business where business is fissible.

;)
Member
Registered: Oct 2013
Posts: 4834
संघले मुद्धती र निक्षेपको व्याजदरको अन्तर १ प्रतिशतमा पुगेको भन्दै सो अन्तर बढाउन बचतको व्याजदर ८ प्रतिशतभन्दा माथि नबनाउने निर्णय गरेको थियो ।

- bring down more, 9 for FD, 7 for SA.

Finance minister is suppose to deal it with emergency approach.


Where the hell is emergency meeting for NEPSE crisis- FM, Oli???
Member
Registered: Oct 2013
Posts: 4834

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