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මහ බැංකුවේ රන් ණය ඇප සහතිකයේ ගුණ වයමින් රන් ණය නියාමනයේ අඩු ලුහුඩුතා ගැන ජාත්‍යන්තර ෆීච් මෙසේ කියයි

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sirisagabo

sirisagabo
Senior Equity Analytic
Senior Equity Analytic

මහ බැංකුවේ රන් ණය ඇප සහතිකයේ ගුණ වයමින් රන් ණය නියාමනයේ අඩු ලුහුඩුතා ගැන ජාත්‍යන්තර ෆීච් මෙසේ කියයි D9ea00cd3cf996dd26b72b097a7da9f0_M

(www.randora.lk-02/06/14 )- දිවයිනේ බැංකු අංශයේ රන් ණය (උකස් ණය) සඳහා මහ බැංකු ව විසින් පසුගියදා ලබා දුන් ඇප සහතිකය බැංකු අංශයේ නැගි එන අක්‍රිය ණය මර්ධනය කිරිමට ඉවහල් වෙතැයි,ෆීච් රේටිං ණය ශ්‍රේණිගත කිරිමේ ආයතනය පවසයි.
මේ ෆීචි නිවේදනයේ සරල පරිවර්තනයයි

පසුගිය 2012 වසර අවසනදි,මෙම රන් ණය හා බැදි බැංකු අංශයේ ණය දිම් බැංකු අංශයේ මුළු ණය වලින් සියයට 19 ක් වු අතර 2013 වසරේ සිදු වු ලෝක වෙළෙඳ පොලේ රන් ණය පහළ යාම් හමුවේ බැංකු අංශයේ වත්කම් ගුණත්වය පහළ යාමට දැඩ් සේ බලපැම් කරන ලදි.මෙම තත්ත්වය මත බැංකු අංශයේ මුළු අක්‍රිය ණය ප්‍රමාණය 2012 වසර අවසන වු සියයට 3.7 සිට 2013 අවසන සියයට 5.6 දක්වා ඉහළ ගොස් ඇත.මෙයින් සියයට 75 කටම බලපෑ ඇත්තේ මෙම රන් ණයයි.

මෙම තත්ත්වයන් හමුවේ මෙරට බැංකු ණය දිමේ ක්‍රියාවලියන් දැඩ් කිරිමට පියවර ගත් අතරේ ණය හා අගය කිරිම් සදහා වන අනුපාත අඩු කිරිමටත් රන් උකස් ණය සදහා වන පොළිය ඉහළ දැම්මටත් පියවර ගත්තේය.
 
කෙසේවෙතත්,රන් ණය ණය සදහා වන මෙම මහ බැංකු ඇප සහතික පිළිබඳ සවිස්තර තොරතුරු හෙළි කළ යුතුව ඇති මුත් මෙම ඇප සුරක්ෂාව යටතේ මහ බැංකුව ණය හා අගය මත වන අනුපාත සියයට 65 සිට 80 දක්වා ඉහළ නැංව්මටත් උපරිම උකස් ණය පොළිය සියයට 16 දක්වා ඉහළ නැංවිමටත් පියවර ගෙන ඇත.රන් ණය මත යැපෙන කෘෂී,සුළු හා මධ්‍යම ව්‍යාපාර සදහා මෙම රේගුලාසි ධනාත්මකව බලපාන බවත් කිව යුතුය .
 
කෙටි කාලිනව මෙය ණය සම්බන්ධයෙන් ධනාත්මකව බලපායි.විශේෂයෙන් ණය අවදානම මහ බැංකුව සමඟ බෙදා හදා ගැනිම මගින් බැංකු අංශය, රන් මිළ පහළ යාම මත බිද වැටි තිබු රන් ණය ගනු-දෙනු යළි නගා සිටුවා (මෙය 2013 අඟ සියයට 17 දක්වා පහළ ගොස් තිබිණි)ණය තත්ත්වයන් දැඩි කිරිමටත් හේතු වේ.එමෙන්ම,අක්‍රිය ණය අවදානම අඩු වි සමස්ත බැංකු පද්ධතියේ වත්කම් ගුණත්වය ඉහළ දැම්මටත් මෙය බලපාන බව කිව යුතුය.

කෙටි කාලිනව,මෙම රන් ණය සුරක්ෂාව බැංකු අංශයේ වත්කම් ගුණත්වයට හිතකර වන්නා සේම රන් ණය මත වන සෘණ අවදානම් පදනම් වු නියාමන රේගුලාසි ණය අවදානම් සම්බන්ධයෙන් සැබෑ තත්ත්වයන් නිරුපණය නොවන බවද කිව යුතුය.රන් ණය අඩු අවදානම් එහෙත් සම්පුර්ණයෙන්ම අවදානම් වලින් බැහැර නොවු ණය බවද සදහන් කළ යුතුය.
රාජ්‍ය බැංකු මෙම රන් ණය මත බහුල වශයෙන් යැපේ.ඉහළ අවදානම් මේ සඳහා ආදේශ කළ විට මේවායේ ප්‍රාග්ධන ප්‍රමානාත්මකතා අනුපාත පවත්නා තත්ත්වයට වඩා බෙහෙවින් අඩු විය හැක.
 
Fitch: Sri Lanka Credit Guarantee Positive for Pawning Loans
 
Fitch Ratings-Colombo/Singapore-02 June 2014: A central bank-backed guarantee scheme for bank lending secured against gold (pawning advances) should help to reduce the build-up of NPLs in Sri Lanka's banking system, says Fitch Ratings.
 
Gold-backed lending peaked at about 19% of total banking sector loans at end-2012, but the decline in gold prices in 2013 has subsequently contributed to a rapid deterioration of asset quality. Aggregate system NPLs rose to 5.6% of total lending at end-2013 (from 3.7% at end-2012) with 75% of the increase accounted for by gold-backed loans. In response, Sri Lankan banks have tightened lending requirements, reducing loan-to-value ratios and raising interest rates for gold-backed credit.
 
Details regarding the implementation of the programme and the extent of its coverage have yet to be released, but the Central Bank of Sri Lanka (CBSL) aims to increase loan-to-value ratios to a maximum of 80% (from 65%) and cap interest rates at 16% per year. This is part of a broader goal to support economic activity in agriculture and SMEs, which are the primary sectors that have historically taken advantage of pawning advances.
 
The scheme is credit positive in the short term, and will benefit banks directly in two principal ways. First, by sharing credit risk with the central bank, it will enable the banking sector to reverse a rapid decline in gold-backed lending - pawning advances fell by 17% in 2013 on the back of falling gold prices and tightened credit conditions. Second, it is likely to improve overall bank asset quality by reducing the build-up in NPLs.
 
The short-term effects of a credit guarantee scheme are positive for Sri Lankan bank asset quality, while we highlight that the existing regulations concerning gold-backed lending lead to unrealistic assessments of credit risk. In our view, the 0% risk-weight applied to gold-backed credit exposures under Sri Lankan regulations mis-characterises the risk associated with such loans - which may be "low risk" but are not risk free. A significant share of gold-backed loans lie on the books of the country's largest state banks, whose reported capital adequacy ratios would be much lower if a higher risk weight were applied.

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