बैंकर्स संघको निर्णयमाथि एनआइसीको प्रतिकृया: 'एउटा अप्ठेरोमा पर्दा प्रणाली नै अप्ठेरोमा'




काठमाडौं। कुनै पनि किसिमको अन्तर बैंक कारोबार नगर्ने भनेर बैंकर्स संघले संगठित रुपमा गरेको निर्णयलाई एनआइसी एसिया बैंकले 'खुला बजार प्रतिस्पर्धाको अभ्यास' विरुद्ध भनेको छ। बैंकले आफ्नो ब्यवसाय विस्तार गर्ने क्रमलाई निरन्तरता दिने जनाएको छ।
 
'सार्वजनिक मिडियामा आएको बाहेक हामीलाई धेरै कुरा थाहा छैन' बैंकका प्रमुख सुचना अधिकृत सुधीर पाण्डेले बिजमाण्डूसँग भने, 'हामी आफ्नै नीति अनुसार अगाडि बढ्छौं।'

बैंकहरु बजारको संयन्त्रलाई पच्छ्याएर अगाडि बढ्नु पर्छ। त्यसलाई अवरुद्ध गरेर जाँदा झन् ठूलो समस्या आउँछ। हामी लामो समय शान्त पनि बसेका हौं। सबै जना मार्केट इक्युलिबिरियम अनुसार चल्नु पर्छ। सबैजना संयमित भएर जानु पर्छ। कुनै पनि संस्था समस्यामा आउँदा समग्र प्रणालीलाई असर पर्छ। टिकाउ रुपमा अगाडि बढ्नु पर्छ। 
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गत शुक्रबार एनआइसी एसिया सहितको बैठकमा बैंकर्स संघले बचत खातामा ८ र मुद्दती खातामा ११ प्रतिशतभन्दा वढि ब्याज नदिने सहमति गरेको थियो। यो सहमति विपरित एनआइसी एसियाले बचतमा १० र मुद्दतिमा १२ प्रतिशत ब्याज दिएपछि संघको आज बसेको आकस्मिक बैठकले एनआइसीसँग कुनै पनि प्रकारको अन्तर बैंक कारोबार नगर्ने निर्णय गरेको छ।
 
यही निर्णयलाई एनआइसीले 'खुला बजार प्रतिस्पर्धाको अभ्यास विरुद्ध' को कदम भनेको हो। बैंकका सहायक प्रमुख कार्यकारी अधिकृत रोशन न्यौपानेले बैंकले निक्षेप उठाएर कर्जा लगानी गरिरहेको जानकारी दिँदै आफ्नो गतिमा बढिरहेको बताए। 'खुला बजार अर्थतन्त्रमा सबैले स्वतन्त्र रुपमा कारोबार गर्न पाउँछन्' उनले भने, 'त्यसलाई कसैले पनि अबरुद्ध गर्नु हुँदैन।'
 
उनले सर्वसाधारणको १२४ अर्ब रुपैयाँ निक्षेप बोकेको बैंकप्रति असहज ब्यवहार गर्दा समग्र प्रणालीलाई नै अप्ठेरो पर्ने भन्दै त्यस्तो अभ्यास कसैले पनि गर्न नहुने बताए। 
 
बैंकर्स संघले विगतमा गरेको सहमति सक्दो एनआइसी एसिया बैंकले पालना गरेको बताउँदै न्यौपानेले समग्र अर्थतन्त्र र ग्राहक वर्गको हितका लागि ब्याज बढाएर निक्षेप संकलन गर्नु परेको दावी गरे। 'कार्टेल गरेर ब्याजलाई तल झार्न सकिँदैन। तरलता प्रवाह गरेर मात्र ब्याज दर तल आउने हो' उनले भने, 'अहिले बजारमा तरलता अभाव भएका कारण बढि ब्याजमा पैसा लिएर ब्यापार विस्तार गर्नु पर्ने अवस्था आएको हो।'
 
उनले बैंकहरु बजारको संयन्त्रलाई पच्छ्याएर अगाडि बढ्नु पर्ने भन्दै त्यसलाई अवरुद्ध गरेर जाँदा झन् ठूलो समस्या आउने बताए। 'हामी लामो समय शान्त पनि बसेका हौं,' उनले भने, 'सबै जना मार्केट इक्युलिबिरियम अनुसार चल्नु पर्छ। सबैजना संयमित भएर जानु पर्छ। कुनै पनि संस्था समस्यामा आउँदा समग्र प्रणालीलाई असर पर्छ। टिकाउ रुपमा अगाडि बढ्नुपर्छ।' 


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बैंकर्स संघको निर्णयमाथि एनआइसीको प्रतिकृया: 'एउटा अप्ठेरोमा पर्दा प्रणाली नै अप्ठेरोमा' को लागी ३ प्रतिक्रिया(हरु)

Anil[ Mar 10, 2018 - 06:56 pm ]
What about in lending rate? I am a client of this bank. I took loan from with around 8 % (7.9) interest and right now it is around 14% (13.75). This is not fare to old customers. Raise your standard like other A-class banks.

   हालसम्म ४५ जनाले यो प्रतिक्रिया मन पराउनु भयो ।


Sun Ad[ Mar 09, 2018 - 05:48 pm ]
Good decision by NIC Asia Bank in the interest of general Depositors and in line with the principles of open economy policy and free market competitions. In the name of so called stability, Nepal Bankers Association (NBA) had adopted a malpractice of interest rate CARTELING to use as their tool for increasing SPREAD RATE aimed at PROFIT MAXIMIZATION and nothing else.

The real interest rate in Nepal was negative until some 4-5 years back and depositors were deprived of justifiable interest on their savings. That time there was no such consideration at all from the overall banking sector or NBA . However, when the situation is reverse, the bankers have come to the level of carteling. This is not other than the carteling whatever justification they present, and this is absolutely against the norms of free economic policy where interest rate is always market driven.

Should they have decreased the interest rates on lending (as a symbolic consideration at least) as well, the present act of carteling could have been justifiable to some extent, otherwise it is not other than a cheap tool aimed at increasing their spread intended at profit maximization, and nothing else.

This is also not in line with the economics theory as well so far the situation is considered. It is the high time that bankers should motivate general people to bring their cash-in-home into the banking channel, and an attractive interest rate can be the most effective tool at the moment.

NIC Asia Bank's this move to go beyond the NBA's carteling decision has saved Nepalese Bankers' face in the international arena.

   हालसम्म ५२ जनाले यो प्रतिक्रिया मन पराउनु भयो ।


ramesh dhungana[ Mar 09, 2018 - 03:17 pm ]
1. if the bank in question does not abide by its own commitments to NBA, what is the point of signing the minutes the same day?
2. why did the then ceo of the bank in question not consult with his chairman/Board before signing the minute?
3. point is not whether or not NBA is a body to regulate interest, point is will the member banks abide by something understood in written by its top executive or not?
4. if this event serves as a forerunner, why not form an executive committee of chairman's of respective banks? if that does not serve the purpose, which i am sure will not, why not make executive counsel comprising of largest promoters only? that will forever extinguish the issue of difference of opinion of CEO and chairman and major promoter in issues with vast interest?
5. at a time when there is zero deposit creation in the economy, what purpose will the highest interest rates serve except for snatching deposits from other institutions? will high interest rates create new deposits out of thin air?
6. won’t this invite a price war now? what will happen if 2-3 aggressive banks start offering better interest rates than the ones offered by the bank in question? what relation can this have with rise in gross NPA in the industry? How long will the banks increase the loan tenures so that rise in interest rates do not force good loans to turn to NPAs? who will ultimately benefit if a bank runs?
7. why dont the person in question become innovative and get deposits/funds from other alternate sources instead of just being limited to faring a price war and soliciting deposits from others?
8. when will bankers like him will think of the national economy as a whole instead of being limited to a fallacy of being a 124 billion bank? we expect more from you rather than being such limited in outlook only seeing your own bank? for a bank with your balance sheet, you should guide the industry instead of killing it. will you ever speak for your own rather than speaking the tone of your promoters all the time.
9. what is the role of NRB and the governor? what has interest rate corridor done to curb the volatility in interest rates as touted?
10. when will a borrower get liberty to plan his capital outlay for longer tenures with a stable interest rate in Nepal?
11. If NRB is silent on interest rates, i wonder why is NBA doing its bit for the betterment of the economy?
12. if NBA can do it, it should make its member banks mandatory not to accept any LC's, guarantees, cheques, promissory notes issued by the bank in question; should not participate in any consortiums led by the bank in question, should not invite the bank in question in any consortiums being led by other banks; should ostracize the bank totally. if it can do it, it would shake the bank in question definitely. if not, there is no point of having an umbrella organization at times when every tom, dick, harry is a bank promoter or a pundit and looking for higher profit margins all the times.

   हालसम्म १०७ जनाले यो प्रतिक्रिया मन पराउनु भयो ।


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