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Liquidity crisis past Vs present

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Member
Registered: Oct 2013
Posts: 5717
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/









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#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: 5717
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: 5717
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: 5717
Member
Registered: Oct 2013
Posts: 5717
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: 5717
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: 5717
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: 5717
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: 5717
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: 5717
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: 5717
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: 5717
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: 5717
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: 5717
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: 5717
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: 5717
Member
Registered: Oct 2013
Posts: 5717
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: 297
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: 5717
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: 5717
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: 5717
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: 5717
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: 5717
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: 5717
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: 5717

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