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Liquidity crisis past Vs present

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Member
Registered: Oct 2013
Posts: 4588
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: 4588
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: 4588
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: 4588
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: 4588
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: 4588
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: 4588
Member
Registered: Oct 2013
Posts: 4588
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: 224
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: 4588
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: 4588
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: 4588
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: 4588
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: 4588
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: 4588
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: 4588
Member
Registered: Oct 2013
Posts: 4588
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: 4588
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: 4588
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: 4588
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: 4588
तरलता अभावले बैंकिङ आजकल: 'कौन सुनेगा किसको सुनाए इसिलिए चुप रेहेते हेँ
http://www.bizmandu.com/content/-23408.html
Member
Registered: Oct 2013
Posts: 4588
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: 4588
Member
Registered: Oct 2013
Posts: 4588
तरलता अभाव हटाउन सरकारलाई उद्योग परिसंघको ३ मन्त्र
समस्या विकराल, आर्थिक गतिशिलतामै संकुचनको खतरा आउने चेतावनी
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%85%E0%A4%AD%E0%A4%BE%E0%A4%B5#XThYORwSdVSIe5fB.99




----तरलता अभावको समस्याले समग्र अर्थतन्त्र नै धरमराउन थालेपछि नेपाल उद्योग परिसंघले बुधबार एक विज्ञप्ति जारी गरी तरलता अभावको समस्या निराकरणको उपाय तत्काल नखोजिए देशको आर्थिक गतिशीलतामै संकुचन आउने चेतावनी दिएको हो ।


----यसबाट अर्थव्यवस्थामा समग्र लगानी न्यून भई कुल ग्रार्हस्थ उत्पादन, रोजगारी सृजना, आय आर्जन, इफेक्टिभ डिमाण्ड र समग्र आर्थिक गतिशीलतामा संकुचन आउने जोखिम बढेकोमा उसले गहिरो चिन्ता व्यक्त गरेको छ ।

-----6) एशियाली विकास बंैकले गरेको अध्ययनअनुसार नेपालमा अनौपचारिक अर्थतन्त्रको आकार कुल जीडीपीको ४५ प्रतिशत पुगेको अनुमान छ । यससंगै स्याडो बैकिंग बढ्दै जाने, हुण्डीको कारोबार अस्तित्वमै रहने, अनौपचारिक आयात बढ्नेजस्ता प्रवृति विद्यमान छन् । यी प्रवृतिले पनि करिब रु. ४० अर्ब बैँकिङ्ग प्रणालीबाट बाहिरै रहेको अनुमान देखा पर्नु,
(I said nepal's gdp could be 50 billion, govt says around 25billiondollar, and adb says around 36billion)


---यसले अर्थव्यवस्थाको समग्र लगानी घट्ने, कुल गार्हस्थ उत्पादनमा ह्रास आउने, रोजगारीका अवसरहरु संकुचित हुने प्रवृति देखिन्छन् । तरलता अभावले ब्याजदर बढेर औद्योगिक क्षेत्रको लागत बढ्ने, निर्यात प्रतिस्पर्धात्मक क्षमतामा ह्रास आउने तथा आयात प्रोत्साहित हुने चेन इफेक्ट देखापर्दछ । हाल मुलुकको निर्यात आयात अनुपात १ः१२ रहेको अवस्थामा तरलता अभावले व्यापार घाटालाई अझ बढाउने संभावना देखिन्छ । यस विषम परिस्थितिलाई हल गर्न सरकार र नेपाल राष्ट्र बंैकले समन्वयपूर्वक निम्नानुसारको नीतिगत पाइला चाल्नु आवश्यक देखिन्छ :


----1) बैंक तथा वित्तीय संस्थाले कायम गर्नु पर्ने ८०ः२० को पूँजी कर्जा निक्षेप अनुपात(सीसीडी रेसियो) लाई तरलता अभावमा सुधार नभएसम्मका लागि ८५ः१५ बनाउने
2) आ. ब. २०७३/७४ को मौद्रिक नीतिले वाणिज्य बंैक, विकास बंैक र वित्त कम्पनीको लागि अनिवार्य नगद अनुपात(सीआरआर) क्रमशः ६, ५ एवं ४ प्रतिशत कायम गरेकोमा तरलता अभाव सुधार नभएसम्मका लागि त्यसलाई १ प्रतिशत बिन्दूूले घटाउने
3)सरकारले आफ्नो विकास प्रशासनको क्षमता वृद्धि गरी पूँजीगत खर्च गुणस्तरीय तबरबाट बढाउदैँ लैजाने ।
Member
Registered: Oct 2013
Posts: 4588
४१ सेयर दलाललाई बाहिरी जिल्लामा पठाउने नेप्सेको निर्णय


this could help increase some liquidity.

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