Bank Pawl An Rawk Lai Maw?

Bank pawl an rawk lai maw?
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Rawk seh law tah? Hmailei ram caah zei hnorsuangnak dah a chuak kho. 2012-2013 kum lio hi Kawlram GDP growth rate a sang bik caan 8.43% (2013) hrawng a phak caan le ram sipuazi a rak that tuk lio caan a rak si. 2011 kum hnu Democracy uknak lam panh hnu kum 60 chung hlan i ralkap, cozah bawi le mirum pawl nih an ngeihmi phaisa chuah in Inn le lo, hmun le hma an cawk i tampi cu real estate rian innsang, residence, condo, housing phun sak, cawk le zuar in ram sipuazi kha a rak kai ngai caan a si. Cu tik ah construction kampani pawl torlacheng an chuah i innlo sak hi 2012 hnu in a vun thangcho ciamam. Construction sector pakhat lawng kan zoh hmanh ah a tlawm bik Construction kampani pawl hi 16,000 hrawng nih innlo tumtlang saknak ah private bank pawl ah pawnmi thilri (collateral) chiah in phaisa an cawi, loan an a lak. Sing thongsawmnga cung a lakmi kampani hmanh hi an tam ngai tiah Innsak bu (construction association) nih an chimh.

Zapi theih bang thil a sining taktak cu, cu ti ram a that tlawmpal 2016 kum NLD cozah an kai ah sak liomi inndot sang sang pawl kha Myanmar national building code he aa ralkah (kaih lo) caah ngol chung rih uh tiah Rangon ramthen Kui Phyu nih order a chuah. Labor 200 cung a ngeimi kampani pawl cu an awlak a chawng i harnak nganpi an ton cuticun loan lakmi cham khawh lo an i thawk pin ah advance (pre-construction condo) tuan-khan in zuar ciami innlo condo pawl an lim/dih kho ti lo pin ah innlo man pawl 2012-13 lio i a man nak in a cheu tluk hrawng ah a tum. Housing bubble, real estate bubble timi tlakchuaknak aa thawk tik ah Innsak kampani pawl zong an tla thluamah i bank i an lakmi loan kha duhsak in an cham kho ti lo lio ah Covid le Ralkap aana tingnak nih an lam a pihter. 2020 lio IMF nih kan pi Suu kha Covid emergency caah phaisa an chuah piak lio ah Non-performing loans (NPLs) timi cham khawh lomi leiba kong hi a rangnak in na remh lo ahcun local bank pawl an cim dih cang lai a serious tuk cang an ti. IMF nih cun NPL caah biakhiak khuakhan thimnak (resolution strategy) caah a tlingmi plan fakpi in na ruah cia a hau tiah an rak forhfial.

Bank i riantuannak a ngan bik cu mipi nih phaisa i khon, cu khonmi phaisa cu ban nih a miak in hlawh lak in mipi maw kampani ah a kar rate a sang deuh in cawi chin i hlawh kawl kha a si caah aap mi tangka tam deuh kha a cawih hna. A fawinak in chim ahcun mipi aapmi phaisa tampi cu innsak kampani pawl sin ah a phan i an riantuannak ah an sung pah dih an condo le inn lo hmun pawl zuar khwah lo in a tang pin ah leiba an cham kho ti lo.

Atu ah mipi nih panic in bank ah phaisa chuah cio asiloah account kha phih cio hna seh law bank pawl a cim a rawk lai. Private bank a rawk ahcun ralkap zong mipi zong harnak a chuah lai i recession in depression in stagflation timi sipuazi lei tlakchuknak a chuak ahcun ralkap uknak a dih ko lai tiah…an zumh. Phan awk pakhat a ummi bel cu Euro money nih a chim bang in Baho ban nih private ban pawl on ding ah ralrinnak ca tampi a pek lengmang. Hi ralrinnak a pekmi hi.

Myanmar’s Financial Institution Law (2016 Jan 25 ni ah Hluttaw nih fehter mi phaisa lei tlawrelnak upadi) ning ahcun pohma 93 ah private ban pawl hi baho ban zohkhenh ttihruainak tang ah a um timi le 94 (2) ah baho ban nih ralrinnak ca a kuat lai ti a si. Pohma 94 (2-hh) ning in ca a chuah cang i private ban pawl nih an zulh lo ahcun ralkap nih ban pawl nationalization (cozah nih chuhnak -pyitu paing ah a ting khawh) maw a phih khawh tinak a si. Private ban pawl ah phaisa chiah hi a safe ti lo tiah mipi nih an zumh. Atulio ahcun sui maw vawlei maw dollar maw ti bantuk cawk ah a safe bik tiah an ti. Zapi nih chuah ahcun ban a cim lai i sipuazi le ram a rawk lai i lam a pit pah dih lai caah ralkap zong tuah awk hngalh lo in civilian kut ah uknak aap in inn-hngak cozah a ser ter hau hrim te lai tiah. Credit: Dr. Sui Hingz