FRDI Bill

[Hydrockers]

Just now, batman2 said:

adding this to the rumor list

ok noted,, let see complete bill

[uttermost]

1 minute ago, reality said:

Ikkada andharu englishu lo matladuthunnaeu...okka mukka artham avutha ledhu... aa Narsi gadini savinayanga adiga telugu lo cheppu babu ani...inka em cheppaledhu... :-(

telugu lo na 

ippudu nee deposit lu unnayi bank lo. 1lakh anuko. bank can make loans of upto 1crore using that deposit as security. by charging interest on these loans is how they make money. when the 1crore is paid back, the system cancels itself, and the bank is allowed to make another 1 crore loan using this same 1lakh as deposit.

what if the loaner doesn't return it. he doesn't even pay the interest. banks need a fresh capital infusion so they can stay in business. this is where govt comes in to provide that capital. capital infusion is not security, btw. and it can only be used to keep the bank functioning i.e. pay out their depositors, and make new loans if they can from whatever is remaining.

under previous regime, that 1lakh is insured, means banks can use anything beyond that 1lakh to keep their bank running. ideally when a bank reaches this situation, its byee byee for your money. Its not money that depositors can successfully claim (without a protracted lawsuit). 

under the new regime, even that 1lakh is not insured. this means banks can use depositors money to stay solvent, but its not what happens in real life, because there's heavy competition among banks for customers.

FRDI specifically mentions class of bonds and securities that will be bailed in by the govt in case of a failure, and banks will move towards that model, by investing in creating those kind of bonds. This will improve the cash flow in the economy. actually it'll improve credit growth.

 

[batman2]

3 minutes ago, Hydrockers said:

eedu anthee..

demonetization black money annadu , lower middle class and poor people ni S**** nakinchadu

 

GST annadu , small business people ni malli ********

 

ippudu FRDI malli middle class ke pedda effect...

avunu andhuke ga  lower middle and poor UP lo ala yegabadi vote vesaru bjp ki ......   so yavaru nakisthe vallaki vote vestharu anamata

kondharu amaikathvama.....athi thelivo ardham nahin ho raha hai

[Hydrockers]

2 minutes ago, uttermost said:

telugu lo na 

ippudu nee deposit lu unnayi bank lo. 1lakh anuko. bank can make loans of upto 1crore using that deposit as security. by charging interest on these loans is how they make money. when the 1crore is paid back, the system cancels itself, and the bank is allowed to make another 1 crore loan using this same 1lakh as deposit.

what if the loaner doesn't return it. he doesn't even pay the interest. banks need a fresh capital infusion so they can stay in business. this is where govt comes in to provide that capital. capital infusion is not security, btw. and it can only be used to keep the bank functioning i.e. pay out their depositors, and make new loans if they can from whatever is remaining.

under previous regime, that 1lakh is insured, means banks can use anything beyond that 1lakh to keep their bank running. ideally when a bank reaches this situation, its byee byee for your money. Its not money that depositors can successfully claim (without a protracted lawsuit). 

under the new regime, even that 1lakh is not insured. this means banks can use depositors money to stay solvent, but its not what happens in real life, because there's heavy competition among banks for customers.

FRDI specifically mentions class of bonds and securities that will be bailed in by the govt in case of a failure, and banks will move towards that model, by investing in creating those kind of bonds. This will improve the cash flow in the economy. actually it'll improve credit growth.

 

ante corporates ki ekkuva loans ivvochu anthe kada!

[Hydrockers]

2 minutes ago, batman2 said:

avunu andhuke ga  lower middle and poor UP lo ala yegabadi vote vesaru bjp ki ......   so year nakisthe vallaki vote vestharu anamata

kondharu amaikathvama.....athi thelivo ardham nahin ho raha hai

ni etakaram ardam ayyindi kani can u apply same thing to Gujarath?

[aakathaai]

Just now, uttermost said:

telugu lo na 

ippudu nee deposit lu unnayi bank lo. 1lakh anuko. bank can make loans of upto 1crore using that deposit as security. by charging interest on these loans is how they make money. when the 1crore is paid back, the system cancels itself, and the bank is allowed to make another 1 crore loan using this same 1lakh as deposit.

what if the loaner doesn't return it. he doesn't even pay the interest. banks need a fresh capital infusion so they can stay in business. this is where govt comes in to provide that capital. capital infusion is not security, btw. and it can only be used to keep the bank functioning i.e. pay out their depositors, and make new loans if they can from whatever is remaining.

under previous regime, that 1lakh is insured, means banks can use anything beyond that 1lakh to keep their bank running. ideally when a bank reaches this situation, its byee byee for your money. Its not money that depositors can successfully claim (without a protracted lawsuit). 

under the new regime, even that 1lakh is not insured. this means banks can use depositors money to stay solvent, but its not what happens in real life, because there's heavy competition among banks for customers.

FRDI specifically mentions class of bonds and securities that will be bailed in by the govt in case of a failure, and banks will move towards that model, by investing in creating those kind of bonds. This will improve the cash flow in the economy. actually it'll improve credit growth.

 

maradhe telugu lo briefed plz ante malla aavu vyaasam chepthunnaavv

[uttermost]

13 minutes ago, Hydrockers said:

present adi wrong , ee bill vachaka right.

bank odu equty ista anochu , FD extend cheyochu. write off cheyochu..

yes cheyochu. but that is the idea of the bill. to have people invest in other instruments apart from FD.

[uttermost]

2 minutes ago, Hydrockers said:

ante corporates ki ekkuva loans ivvochu anthe kada!

yes. nuvvu corporate lo nay kadha pani chesthunnav? nee jeethaalu maatram correct ga osthey chaalu, ika system lo andaru adakka thintey parledha?  

[uttermost]

1 minute ago, aakathaai said:

maradhe telugu lo briefed plz ante malla aavu vyaasam chepthunnaavv

naaku ochina telugu anthantha maatrame. max 3 lines. daanikantey ekkuva aithey kastam.

[Bhai]

Basic ga oka resolution agency set up chestaru. finacial firms ni monitor cheyydaniki. vallu decide chesi rating istaru oka vela bail in cheyyala vadda ani.. bail in cheyyalsi vaste entha worst situation lo undo ani telchutaru. Insurance lo cover ayina eposits (up to 1 lakh) ku vachina nashtam ei ledu. avi alage safega untayi. Beyond 1 laks aa devudi daya meeda aadhara padi untayi.

endhukante ivi insurance lo civer kavu bank ni kapadadaniki veetini vadochu. 

Deeni valla labhalu entante.. Veellu financial firm health ni monitor chestaru.. Maro lehmann lantivi kakunda choostaru.

Bokka antava beond 1 L deposits ki devude dikku oka vela bank dobbite.  at the same ee agency aa 1 L limit ni inka tagginche adhikaram untadi appudu inka ekkuva customers ki assam train lo confirm ticket. 

 

adhi matter

https://myinvestmentideas.com/2017/12/what-is-financial-resolution-and-deposit-insurance-frdi-bill-and-how-does-it-impact-fixed-deposit-holders/

14 minutes ago, reality said:

Ikkada andharu englishu lo matladuthunnaeu...okka mukka artham avutha ledhu... aa Narsi gadini savinayanga adiga telugu lo cheppu babu ani...inka em cheppaledhu... :-(

 

	In simple terms, FRDI bill helps to establish Resolution Corporation which would monitor financial firms and banks and suggests corrective action. In this process it can implement bail-in process where bank fixed deposits would be used to recover from financial problems of such firms / banks. The Corporation will also provide deposit insurance up to a certain limit, in case of bank failure. The Resolution Corporation will categorize the financial firms under five categories, based on their risk of failure. These categories are low, moderate, material, imminent and critical. The Resolution Corporation will take over the firms that fall under Critical category and it will resolve the firm within one year. It may extend the limit if it requires

[batman2]

7 minutes ago, Hydrockers said:

ok noted,, let see complete bill

yes better to read the whole bill or read economic times

better than reading this crap from dumbfcuk @uttermost who tries a lot but  basically talks through his arse

[Hydrockers]

1 minute ago, uttermost said:

yes. nuvvu corporate lo nay kadha pani chesthunnav? nee jeethaalu maatram correct ga osthey chaalu, ika system lo andaru adakka thintey parledha?  

ade ala ane lanco , ivrcl,GMR , Relaince , adani , hinduja andariki  lakshala kotlu appu icharu

[uttermost]

4 minutes ago, Hydrockers said:

ante corporates ki ekkuva loans ivvochu anthe kada!

capitalism antey adhey brother. ikkada sollu cheppey laaga 'free market' ledhu bokka ledhu.

capitalism is about creating as much debt as possible to maintain growth.

deposits kaavalantey, intlo inappettey pettukoni daachukovaali.

fyi, I'm anti capitalist, even though I made my fortune hacking capitalism. I dream of the day when banks fail, and money becomes worthless. and humans start living as humans again helping each other. but its not going to happen.

[Bhai]

10 minutes ago, uttermost said:

telugu lo na 

ippudu nee deposit lu unnayi bank lo. 1lakh anuko. bank can make loans of upto 1crore using that deposit as security. by charging interest on these loans is how they make money. when the 1crore is paid back, the system cancels itself, and the bank is allowed to make another 1 crore loan using this same 1lakh as deposit.

what if the loaner doesn't return it. he doesn't even pay the interest. banks need a fresh capital infusion so they can stay in business. this is where govt comes in to provide that capital. capital infusion is not security, btw. and it can only be used to keep the bank functioning i.e. pay out their depositors, and make new loans if they can from whatever is remaining.

under previous regime, that 1lakh is insured, means banks can use anything beyond that 1lakh to keep their bank running. ideally when a bank reaches this situation, its byee byee for your money. Its not money that depositors can successfully claim (without a protracted lawsuit). 

under the new regime, even that 1lakh is not insured. this means banks can use depositors money to stay solvent, but its not what happens in real life, because there's heavy competition among banks for customers.

FRDI specifically mentions class of bonds and securities that will be bailed in by the govt in case of a failure, and banks will move towards that model, by investing in creating those kind of bonds. This will improve the cash flow in the economy. actually it'll improve credit growth.

 

telugu ante malla english rasavu 

 

adi kooda start chesindi telugu lo 

[Hydrockers]

2 minutes ago, batman2 said:

yes better to read the whole bill or read economic times

better than reading this crap from dumbfcuk @uttermost who tries a lot but  basically talks through his arse

147 pages undi

 

Any way RS lo kuda approve avvudi ee bill. twaralo anni main details manaku ardham ayye telugu basha lo  vastai