A Hodah aa tei lai

Nai hrawng kan boruak kan zoh ahcun khua ruah ding a tam ngai. A bik in ahodah aa tei lai, kan hmailei zeidah a lawh lai, kan ram sipuazi boruak le kan bank pawl zeidah a cang lai tibantuk…ruah ding a tam ngaite.

Bank kong kan zoh hmasa ahcun mi tampi nih a pur lai a cim lai tiah zumh a si. Bank i a riantuan ning ah mipi nih aap mi phaisa pawl kha sipuazi rian ngei pawl sin ah a karh tam deuh in cawi le cun amah bank lila nih sipuazi ngan pipi tuah in investment tuah tangka hrambunh in cu appmi phaisa pawl a hman i cu a hmuhmi chung in phaisa a aap mipi kha a karh interest pek a si.

A tawinak in cun mipi nih bank ah phaisa aa chiah tik ah bank nih cu a chiahmi hna kha tangka a bat hna tinak a si. A ngeitu nih an chuah duh tik ah chuah piak kha a rian a si. Nihin ni ah ziah zei caah a chuah piak kun hna lo ti ruah awk a um.

Kawlram i baho bank nih a ngeihmi pawlisi ah private bank pawl nih mipi chiahmi deposit tangka chung in 10% hi Covid hlan ah central bank ah chiah a hau. Cu hnu ah Covid ruang ah 5% ah a tum, cun 3.5% ah a thum chap i nihin ah bank pawl nih tangka an i harh tuk ruang ah cu deposit requirement cu 3% ah a thumh piak hna. Asiahcun mipi nih aap mi phaisa khoika ah a phak ti ahcun 100 ah 60-70% hrawng hi rian a ngeimi kampani pawl kha aamahkhan thil a chiahmi kha 13% in phaisa a cawi hna (atu cu 10.5%), Cun amahkhan a ngei lo mi kha 16% in a cawi hna (anmah mirum le a chung minung pawl an tam), cun a tangmi hi anmah bank nih investment tangka hrambunh a tuahnak pinah bank pawl hmun kip khua kip ah vawlei bank hmun a cawk inn a sak i tangka tampi hman in rian a kauhter. Cu mipi a cawih chinmi hna cu an cham khawh lo tik ah cucu Non-performing Loans (NPL) an ti i default a cang asiloah cham timh ti lo a si. Mipi nih an chiahmi phaisa chuah an duh tik ah NPL pawl nih cawimi an cham khawh lo le bank nih investment ah a hman dih tik ah phaisa kha bank ah a um ti lo. Hihi World bank le ADB bank nih pi Suu kha 2019 lio ah ralrinnak an pek cang.

Atawinak in chim ahcun Bank pawl an pur an cim lai maw ti ahcun bank ah phaisa chiahmi zapi nih an chiahmi vialte an chuah dih ahcun a ciim lai a pur lai. Asiloah atu bantuk in nikhat ah zarh khat ah tlawm tete lawng an chuah cio ah cun a pur lai lo. A pur sual bankrupt a si sual ahcun baho bank nih 3% deposit kha zero ah a tuah piak lai cun bank dirh lio i chiahmi assets pawl zuar in mipi phaisa a cham khawh zat a cham lai. Liquidity ratio timi zeizah dah a um cun, deposit zeizah dah a chiah timi le Capital adequate ratio hi zeidah a lawh ti te hna pawl zong an biapi.

Cu caah mipi nih chiahmi phaisa an chuah khawh dih lo in a tuah khawh peng i caan a fir peng ahcun a pur lai lo nain chuahnak ding ah lam a onh i an chuah cio ah cun a pur ko lai.

Ahnu bik Kawl cozah nih phaisa a chuah a rial hi 2013 ah a si i nuai sing thum ram caah tangka ram bunh ding ah a si i nuai sing khat lawng a rial. Chuahmi phaisa tlak series hi 676 kop a si i kyat 5000 ca hi 307 le thonghra tlap 10000 hi 309 kop tiang lawng hi official in a chuahmi a si. Asinain FE reserve hi dollar in billion 8.5 a ngeih caah a duh ahcun a chuah khawh chap thiamthiam.

NLD cozah a kai ah a herh lo bak mi 500 ca le 1000 ca kha a thar a chuah tik ah dollar nuai 108 a dih. Hman a tlawm i a thar chuahnak khan 5000 le 1000 nuai sing 2 a baumi kha rak chuah deuh seh law ram chung ah tangka tunmernak tampi a bawmhchan khawh hnga. Cucaah a tu ralkap nih a duh ahcun 2013 lio i tangka hrambunhmi ah a tang rih mi nuai sing 2 hi a duh ahcun official te in a chuah khawh. Tangka rial tik zong ah tangka lei tawlrel thiamnak tampi a hau i monetary le fiscal policy pawl a hman thiam a hau, cu lo cun inflation kai tuk in le rian ngei lo tam cun sipuazi a rawk kho chinchin mi a si.

Biaralkah ah Ahodah a tei lai? Thinphan awk a ummi cu aho hmanh i tei lo i atu bantuk in hmun kip ah buainak he caan saupi kal sual seh law tah? Aho hmanh i tei veve lo in atu bantuk in caan saupi a kal ahcun “ramrawk” kan ti lai maw failed state phun a chuah ah sipuazi zong a zeizei zei paoh rawh dih tiang zong a si kho. Hihi tih a nungmi a si.

Teinak lam hi pakhat lawng a um ti in ka ruah ka zumh. Na ruahnak rak comment ve te, Comment ah ka ruahmi ka rak tial ve te lai…