"Foolish idiots try to negotiate about human right with terrorists.Negotiated them is what they want from government. Smart nation and government is never negotiate with terrorists.If these terrorist want islamic land and freedom.They need to try in their origin.Where islamic terrorism finds support in the muslim world.These are a lot of Islam nation on this world.No way to negotiate with illegal migrate terrorists."

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Monday, 11 December 2017

Elvis Presley: My Way


Elvis Presley Lyrics

"My Way"

And now the end is near
So I face the final curtain
My friend, I'll say it clear
I'll state my case of which I'm certain

I've lived a life that's full
I've traveled each and every highway
And more, much more than this
I did it my way

Regrets, I've had a few
But then again, too few to mention
I did what I had to do
And saw it through without exception

I planned each charted course
Each careful step along the byway
Oh, and more, much more than this
I did it my way

Yes, there were times, I'm sure you know
When I bit off more than I could chew
But through it all when there was doubt
I ate it up and spit it out
I faced it all and I stood tall
And did it my way

I've loved, I've laughed and cried
I've had my fails, my share of losing
And now as tears subside
I find it all so amusing
To think I did all that
And may I say, not in a shy way
Oh, no, no not me
I did it my way

For what is a man, what has he got
If not himself, then he has not
To say the words he truly feels
And not the words he would reveal
The record shows I took the blows
And did it my way
The record shows I took the blows
And did it my way




It's good to be with mother.


အေမဆိုတာ မရွိေတာ့မွ ကုိယ့္ကိုယ္ကို အေမ့ေက်းဇူးကန္းတဲ့ သားသမီးတစ္ေယာက္ျဖစ္မွန္းသိခဲ့ရတယ္။ (အေမဆိုတာ ရွိေနေသးရင္ ေက်းဇူးကန္းတဲ့ သားသမီးတစ္ေယာက္မျဖစ္ဖို႔ ဒီဗီဒီယိုဖိုင္ေလးကို ၾကည့္ထားၾကေနာ္။)

ကုန်ဈေးနှုန်းမြင့်တက်ခြင်း အစိုးရအပေါ် အပြစ်တင်မှု လူထု၏ မပြောင်းလဲသောအယူအဆဟု စီး/ကူး ဒုဝန်ကြီးပြောကြား

အ့ံေရာဗ်! အခုုထိဘယ္လူႀကီးမွာ တာ၀န္ယူရမယ္ တာ၀န္ခံရမယ္ဆိုုတာမသိေသးဖူးတဲ့လား ၊
 အတုုအေယာင္ေဆာင္ေတြခ်ီး တင္ထားမွာေတာ့ လိမ္ဖိုု႔ႏွင့္ ေခါင္းေရွာင္ဖိုု႔ဘဲ သိတာလားဗ်?

ကုန္ေစ်းႏႈန္းျမင့္တက္ျခင္း အစုိးရအေပၚ အျပစ္တင္မႈ လူထု၏ မေျပာင္းလဲေသာအယူအဆဟု စီး/ကူး ဒုဝန္ႀကီးေျပာၾကား

 
ကုန္ေစ်းႏႈန္းျမင့္တက္ျခင္း အစုိးရအေပၚ အျပစ္တင္မႈ လူထု၏ မေျပာင္းလဲေသာအယူအဆဟု စီး/ကူး ဒုဝန္
ႀကီးေျပာၾကား ရန္ကုန္၊ ဒီဇင္ဘာ ၉ ကုန္ေစ်းႏႈန္းမ်ားျမင့္တက္ရျခင္းႏွင့္ ပတ္သက္ၿပီး ျပည္သူလူထုက အစုိးရအေပၚ အျပစ္တင္ေနျခင္း သည္ လူထု၏ မေျပာင္းလဲေသးေသာ Mind-set (အယူအဆ) ျဖစ္ေၾကာင္း စီးပြားေရးႏွင့္ ကူးသန္းေရာင္းဝယ္ေရးဝန္ႀကီးဌာန ဒုတိယဝန္ႀကီး ဦးေအာင္ထူးက ေျပာၾကားသည္။ 

ဒီဇင္ဘာလ ၉ ရက္ေန႔တြင္ က်င္းပေနေသာ ျပည္ေထာင္စုျမန္မာႏုိင္ငံ ကုန္သည္မ်ားႏွင့္ စက္မႈလက္မႈ လုပ္ငန္းရွင္မ်ား အသင္းခ်ဳပ္ ညီလာခံ ၂၀၁၇ အခမ္းအနားတြင္ ၎က ေျပာၾကားခဲ့ျခင္းျဖစ္သည္။ ''ကြ်န္ေတာ္ စာနယ္ဇင္းေတြ ဖတ္တဲ့အခါမွာ ကြ်န္ေတာ္သေဘာမေပါက္တာတစ္ခုရွိတယ္။ ကြ်န္ေတာ္တုိ႔ ေစ်းကြက္စီးပြားေရးစနစ္ကုိ ကူးေျပာင္းဖုိ႔ ဒါေပမယ့္ လူေတြက ဘာေၾကာင့္ အစုိးရကုိအျပစ္တင္ေနရတာလဲ။ 

ကုန္ေစ်းႏႈန္း တက္တယ္။ တစ္ခုုခုျဖစ္တာနဲ႔ ဟာ အစုိးရ အစုိးရ။ ဒါ ကြ်န္ေတာ္တုိ႔ Mind-set က မေျပာင္းဘူးဆုိတဲ့ သေဘာျဖစ္ပါတယ္''ဟု ဦးေအာင္ထူူး ကဆုိသည္။ ေစ်းကြက္စီးပြားေရးစနစ္တြင္ ဝယ္လုိအားႏွင့္ ေရာင္းလုိအားက ေစ်းကြက္အေပၚ လႊမ္းမုိးျခင္းျဖစ္ၿပီး အစုိးရက မလႊမ္းမုိးႏုိင္ေၾကာင္း ၎ ဆက္လက္ ေျပာဆုိသည္။ ''လႊတ္ေတာ္မွာ ကြ်န္ေတာ္တုိ႔ဝန္ႀကီးကုိ ေမးပါတယ္။ 

ကုန္ေစ်းႏႈန္းက်ေအာင္ မင္းတုိ႔ဘာလုပ္ေပးႏုိင္မလဲ။ ဝန္ႀကီး ဘာမွမလုပ္ေပးႏုိင္ပါဘူး။ ဝန္ႀကီးလုပ္ေပးႏုိင္တာက Market force ေတြျဖစ္တဲ့ ေရာင္းလုိအား ဝယ္လုိအားကုိသာ လုပ္ေပးႏုိင္တယ္'' ဟု ၎ ကဆုိသည္။ အစုိးရ၏ တာဝန္သည္ ေစ်းကြက္စီးပြားေရးစနစ္ ေခ်ာေမြ႕စြာလႈပ္ရွားႏုိင္ရန္ အကူအညီ အေထာက္ပံ့ ေပးႏုိင္ေၾကာင္း ၎ကဆုိသည္။ သုိ႔ေသာ္ ကုန္ေစ်းႏႈန္း အတက္အက်သည္ အစုိးရ၏ စီးပြားေရးမူ၀ါဒႏွင့္ မ်ားစြာ ဆက္စပ္မႈရွိေၾကာင္း က်ယ္က်ယ္ျပန္႔ျပန္႔ သုံးသပ္ခ်က္မ်ား ရွိသည္။

''ကုန္ေစ်းႏႈန္းတက္တယ္ က်တယ္ဆုိတာကလည္း ႏုိင္ငံေတာ္ရဲ႕ စီးပြားေရးေပၚလစီေတြနဲ႔ အမ်ားႀကီးဆုိင္ပါတယ္။ ဒီေပၚလစီနဲ႔ (ကုန္ေစ်းႏႈန္း) အတက္၊ အက်က ဆက္စပ္ေနတယ္။

ဒါေၾကာင့္ ညိွႏႈိင္းေပါင္းစပ္ၿပီး ေဆာင္ရြက္ရမွာပါ” ဟု ကုန္သည္စက္မႈအသင္းခ်ဳပ္ ဥကၠ႒ ဦးေဇာ္မင္းဝင္းကဆုိသည္။ တုိင္းျပည္စီးပြားေရး တုိးတက္ျခင္း၊ က်ဆင္းျခင္းမွာလည္း အစုိးရ၏တာဝန္ထက္ စီးပြားေရးက႑၌ ပါဝင္ပတ္သက္သူမ်ားတြင္ တာဝန္ရွိေၾကာင္း၊ အစုိးရ၏ တာဝန္မွာ ဥပေဒစည္းမ်ဥ္းမ်ား၊ အေျခခံအေဆာက္အဦမ်ား ျဖည့္ဆည္း ေဆာက္ရြက္ေပးျခင္းျဖစ္ေၾကာင္း ဒု၀န္ႀကီး ဦးေအာင္ထူးက ဆုိသည္။ 





တိုင္းျပည္စီးပြားေရး က်ရိပ္ေပၚတာ ဘယ္သူမွာတာဝန္အ႐ွိဆံုးလဲ?


ေဒါေအာင္ဆန္းစုၾကည္၏ ဘဏ္ျပဳျပင္ေျပာင္းလဲေရးကိုရပ္တန္႕သြားေစတဲ့ အေၾကာင္းကေတာ့ ေဒၚေအာင္ဆန္းစုၾကည္ ညံလို႕မဟုတ္ပါဘူးတဲ့။

စစ္အစိုးရလက္ထက္ ေဖာင္းပြမႈေပၚအေျခခံၿပီး ရင္းႏွီးျမႇပ္ႏွံမႈ ေတြ လုပ္ခဲ့ၾကတဲ့ လူေတြ၏ အမွားေတြ       ေၾကာင့္ ဘဏ္ေတြမွာ ေႂကြးဆံုးေတြ ေတာင္လိုပံု ေနလို႕ ျဖစ္ပါတယ္တဲ့။

ဒီေတာ့ လက္႐ွိ စီးပြား​ေရး အၾကပ္အတည္း ဟာ ဘယ္သူမွာ တာဝန္အ႐ွိဆံုးလည္း ဆိုတာ ျပန္ၾကားေရးဝန္   ၾကီးေဟာင္းဥိးရဲထြဋ္ သိၿပီးျဖစ္မွာပါ။

တကယ္ေတာ့ ေဒၚေအာင္ဆန္းစုၾကည္ဟာ ဘဏ္လုပ္ငန္းျပဳျပင္ေျပာင္းလဲေရး လုပ္ငန္းစဥ္အေနျဖင့္          အတိုးႏႈန္းေတြေလွ်ာ့ေပးခဲ့တယ္။ ဘဏ္ေတြမွာပိုေနတဲ့ saving ကို အစိုးရ အေနျဖင့္ ျပန္ေခ်းေပးခဲ့တယ္။

ဘဏ္ေတြကို အေႂကြးစာရင္ျပန္လည္တည္ေဆာက္ျခင္းတစ္ခုပဲ လုပ္ခိုင္းခဲ့တာပါ။ ထိုေႁကြးဆံုးစာရင္းျပန္လည္တည္ေဆာက္ေရးဆုိတာကလည္း အစိုးရက ခိုင္းသည္ျဖစ္ေစ မခိုင္းသည္ျဖစ္ေစ ဘဏ္ေတြ၏ နာမည္၊ ယံုၾကည္မႈႏွင့္ အက်ိဳးစီးပြားအတြက္ မျဖစ္မေနလုပ္ရမယ့္ လုပ္ငန္းစဥိျဖစ္ပါတယ္။

ဒါမွလည္း ပုဂၢလိက ဘဏိေတြဟာ ႏိုင္ငံတကာစံခ်ိန္ ဘရက္ေဇး၃ ၏ ဥပေဒသေတြႏွင့္အညီ ဗဟိုဘဏ္၏ ထိန္းခ်ဳပ္မႈေအာက္မွာ ႐ွိေနတယ္ဆိုႏိုင္မွာပါ။

ယခုေတာ့ အစိုးရက ဘဏ္ေတြအက်ိဳးအျမတ္အတြက္ေျဖေလွ်ာ့မႈေတြ အျမတ္ေတြေပးခဲ့တာေတာင္မွ သူတို႕ဘက္ကျပန္လုပ္ေပးစရာ႐ွိတဲ့ ေဒၚေအာင္ဆန္းစုၾကည္၏ ႏိုင္ငံတကာပံုစံတည္ေဆာက္မႈေတြ ကိုျငင္း  တယ္ဆိုေတာ့ ဘယ္လိုေျပာရမယ္မွန္းေတာင္မသိပါဘူး။

ဘဏ္ေတြ ဟာ လာဒ္ေပးလာဒ္ယူေတြအင္မတန္ထူေျပာတဲ့ ျမန္မာျပည္မွာ လက္တစ္လံုးျခား လက္ႏွစိလံုးျခား ကစားလို႕ရေနတဲ့အေျခအေနေတြကို ေက်ာ္ၿပီး လုပ္ခ်င္သလို လုက္ခဲ့ၾကလို႕ ပုပ္ပြေနၿပီဟု ဆိုရမွာပါ။ အမွန္လက္ေတြ႕မွာလည္း စစ္အာဏာ႐ွင္ႀကီးေတြႏွင့္ သားအဖလိုေနခဲ့တဲ့ ဘဏ္သူေဌးေတြကို ယခင္က မည္သူမွမထိရဲခဲ့တာ အမွန္ပါ။


ဒီေတာ့ တစ္သက္လံုးထင္ရာစိုင္းလာတဲ့လူမ်ိဳးေတြႏွင့္ လက္႐ွိအစိုးရ အမ္်ိဳးသားျပန္လည္ရင္ၾကားေစ့ေရးမွာလည္း ျပည္သူသည္အ႐ွံူး၊ ခ႐ိုနီေတြ သာ အႏိုင္ျဖစ္၍ေနပါတယ္။

ပိုဆိုးတာ တစ္ခုက တိုင္းျပည္မွာယခုလိုျပႆနာေတြျဖစ္လာတိုင္း ဦးရဲတို႕က သူတို႕နဲ႕မဆိုင္သလို ကိုယ္ လြတ္႐ုန္းေနၾကတာဗ်ာ။

တကယ္ေတာ့ ျမန္မာျပည္စီးပြားေရး မွာ တခါမွမၾကံဳဖူးေသးတဲ့ ဘ႑ာေရးအၾကပ္အတည္းႀကီး ျဖစ္လိုျဖစ္ဆဲ အေျခအေနဆိုတာ တည္ဆဲအစိုးရမွာ တာဝန္႐ွိတယ္ဆိုတာ ထက္ ထိုဘဏ္ေတြကိုထူေထာင္ေပးခဲ့တဲ့ စစ္အစိုးရႏွငိ့ တိုင္းျပည္စီးပြားေရးကို hot investment ေတြျဖင့္ ေမာင္းႏွင္ၿပီး GDP တိုးႏႈန္းေတြ ယူခဲ့တဲ့ ဦးသိန္းစိန္သာ ပို၍တာဝန္႐ွိတာ အမွန္ပါ။

ႏိုင္ငံတကာစံၫြန္းေတြအရဆို လူတစ္ဦးတစ္ေယာက္ထဲ ပိုင္တဲ့ဘဏိေတြမွာ ယံုၾကည္စိတ္ခ်ရမႈအနည္းဆံုးဘဏ္ေတြျဖစ္ပါတယ္။

ဒီေတာ့ ထိုဘဏ္မ်ိဳးေတြ ကို ထူေထာင္ေပးခဲ့ၿပိး ျမန္မာ့စီးပြားေရးကို မိုႏိုပိုလီ လုပ္ဖို႕ စိတ္​ကူးယဥ္​ ခဲ့ၾကတဲ့ စစ္အစိုးရသည္သာ လက္႐ွိျမန္မာစီးပြားေရး အၾကပ္အတည္း၏ တစ္ဥိးထဲေသာတရားခံေပါ့ဗ်ာ။


Ref:Myat Maw FB

Exclusive: Tussle over Myanmar bank reform puts spotlight on debt pile

NOVEMBER 23, 2017 ~ Reporting By Yimou Lee and Thu Thu Aung;

NAYPYITAW (Reuters) - Myanmar’s central bank has backed off from a demand that the country’s private banks clear most of their loan books by January, averting a cliff-edge scenario that some bankers warned could have destabilized the financial system.

Myanmar’s central bank deputy governor, Soe Thein, told Reuters that three years - instead of the original deadline of six months - would be given to lenders to recover the mostly open-ended “overdraft loans” that make up the bulk of their lending.

The compromise ends a lengthy tussle over regulations introduced in July to bring the country’s banks closer to international standards. Reforming the banking sector is a key goal in leader Aung San Suu Kyi’s plan to complete Myanmar’s democratic transition after decades of isolation under military rule. “They need reasonable time for the transitional period...Sometimes international practice can’t work domestically. We are very aware of and careful about the situation,” said Soe Thein in an interview. “The economy is not in a strong position, so we want the financial sector to be in a stable position. We have to establish an understanding between the banks and the central bank.”

The new regulations also include stricter guidelines for bad loans - also known as “non-performing loans” (NPLs) - and an increase in the amount of capital banks are required to set aside to cover losses. The central bank says it fears that the amount of bad debt on private lenders’ books is greater than has so far been declared to the authorities. But officials are also concerned that pushing too quickly on reform could trigger volatility in the financial system. “It’s not easy, we agree, but we have to try,” said Soe Thein, declining to provide an estimate of the scale of the problem because he said it was “dangerous” to try to estimate how much money the banks had lent in loans that are unlikely to be repaid.

 OVERDRAFT LOANS
Officials and bankers say around 70 percent of Myanmar’s more than $9 billion lending pool is in the form of so-called overdraft or evergreen loans - typically made on preferential terms to lure customers and rolled-over indefinitely. The central bank moved in July to end such practices with the new regulations drafted with the help of the International Monetary Fund. The curbs would force the banks to end indefinite roll-overs of the loans, asking them to get the loans repaid for a period of two full weeks on an annual basis. Banks complained they were being given only six months to fix years of junta-era mismanagement and to recover most of their loans amid a sluggish economy.

“They (central bank) know what’s going on in our books, but what they are asking for is almost impossible... All the local banks are in a difficult position,” said Pyi Soe Htin, executive director of international banking for Yangon-based Asia Green Development Bank. After at least three rounds of talks since July, Soe Thein told Reuters the central bank would “in the next few days” issue “follow-up instructions”, allowing the overdraft loans to be converted into regular, three-year loans - a compromise that offers breathing space to Myanmar’s 24 private banks.

 “The payment terms and conditions will be a bit relaxed, so the customers can be a little relaxed on the payment as well as the banks can get more collection from their customers,” said Soe Thein. He did not give details of the terms of those new loans.

 Some in the fledgling financial sector said that attempting to get so much debt repaid by January could trigger a run on the banks, which are deeply entwined both with one another and with the conglomerates run by businessmen close to the former ruling elite that dominate key sectors from real estate to aviation.

 “This would create panic and we would have bank runs because our general public is very cautious,” said Kim Chawsu, managing partner at Katalysts Investment Group and former chief financial officer of the parent company of Myanmar’s largest lender, Kanbawza Group. “If one of the banks fails, there will be a domino effect...you need to be careful on how strict you are.”

 The compromise by the central bank underlines the daunting challenge facing Suu Kyi, whose promise of a modern, reformist government that would end Western sanctions and attract investment is under threat.

 The Rohingya crisis in the northeast means some aid to Myanmar is being withheld, investors have turned wary and the country faces reinstatement of some of sanctions, making reforms more difficult.

NON-PERFORMING LOANS
Despite having one of the least developed financial sectors in the region, Myanmar’s banking assets have jumped to 55 percent of its GDP in 2016 from 15 percent in 2011, when the junta handed power to a semi-civilian government, according to German state development agency GIZ.

But even after widespread political and economic reforms began in 2011, bankers say the banks have continued to lend largely on preferential terms to a small group of well-connected customers.
 “These cronies, who have a lot of money, set up banks without experience or any knowledge on banking,” said Sein Maung, chairman of Yangon-based First Private Bank, adding banks often lend money to “people in their networks”.

 The new rules introduced in July, which also included stricter curbs on banks’ exposure to individual borrowers, were an attempt to change lending practices and force lenders to deal with riskier loans in a banking system that has remained poorly regulated.

 Deputy governor Soe Thein said the central bank still needed to evaluate the real state of the banks and “know the magnitude of the non-performing loans”. He said that, while major banks regularly report a healthy NPL ratio at 5-6 percent of total loans, “that is lower than the real situation”.

He did not elaborate. Than Lwin, former deputy central bank governor and senior adviser at Kanbawza Bank, said lenders and the central bank hold a “different definition” of what constitutes an NPL. He said banks evaluate loans based on the borrower’s background and potential ability to repay, whereas the central bank - in line with international practice - judges them on number of days in arrears.

 As part of Myanmar’s lending reforms, Soe Thein said the central bank was set to raise the maximum lending rate to 16 percent from 13 percent so that banks could generate capital by offering higher risk loans. The central bank was also considering allowing non-collateral loans, Soe Thein said, ending a long-standing restriction that limits loan guarantees mainly to land and buildings.

He did not elaborate on the timeframe. With home prices in the commercial hub of Yangon dropping some 20 percent over the past three years, according to property consultancy Colliers, the move could help ease concerns about lenders’ over-exposure to higher-risk property.

 Soe Thein said the central bank’s forthcoming follow-up directive would allow banks to convert overdraft facilities to loans with terms of three years from July this year, with the exception of those loans already declared by the banks as NPLs.

 After that, he said, the central bank would request full disclosures on all loans from banks and enter into further, if necessary one-on-one, negotiations on how to clean up their balance sheets, starting with loans above 5 billion kyat ($3.67 million).

 Some in the industry, however, have warned that if the central bank rows back on its hard line when negotiating with the banks it may jeopardize much-needed reforms.

 “They can’t afford to delay the implementation because if they do that, they lose full leverage,” said a financial professional involved in lending to local businesses, who declined to be named due to the sensitivity of the matter. ($1 = 1,364.0000 kyat)

Sunday, 10 December 2017

"ေပးကမ္းစြန့္ႀကဲျခင္းရဲ့ သင္ခန္းစာ"

"ေပးကမ္းစြန့္ႀကဲျခင္းရဲ့ သင္ခန္းစာ" အၿပီးထိၾကည့္ၿပီး သင့္အတြက္ သင္ခန္းစာ ရတယ္ဆိုရင္ ဒီ video ေလးကို လက္ဆင့္ကမ္း ေဝမ်ွေပးပါ။ 🙏🏽

ျပည္တြင္းလုပ္ငန္းရွင္မ်ားကလည္း ျပည္ပဘဏ္မ်ားထံမွ ေခ်းေငြရယူလိုေၾကာင္း(Cheap Loan %)

ျပည္တြင္းလုပ္ငန္းရွင္ေတြ အေရးႀကီးဆံုုး လိုအပ္ေနတာက အတိုးႏႈန္း % ရာခိုုင္ႏႈန္း အသက္သာဆံုုးရဖို႔ပါ!ဒါမွလဲ အိမ္နီးခ်င္း ထုတ္ကုန္ေတြႏွင့္ ၿပိဳင္ရမွာေလ! 

တ႐ုတ္ဆို ထုတ္ကုန္ေတြ ပိုလွ်ံေနလို႔ ေလ်ာ့ေစ်းႏွင့္ေရယင္းေမတာကိုု ဘယ္လို ယွဥ္ၿပိဳင္က်မလဲ ? 
မစဥ္းဘဲႏွင့္ ခိုးသားငါးရာ လူတစုအတြက္ခ်ည္းကာ ေပးေနရင္ ေရရွည္ တိုင္းျပည္စီးပြားေရး ျပဳတ္ျပဳတ္ျပဳန္းကုန္သြားလိုက္မယ္!

ျပည္တြင္း၌ လုပ္ကိုင္ခြင့္ရထားသည့္ ႏုိင္ငံျခားဘဏ္ ၁၃ ခုကို ျပည္တြင္းလုပ္ငန္းရွင္မ်ားသို႔ ေငြေခ်းခြင့္မျပဳရန္ ျပည္တြင္းဘဏ္မ်ားက ေတာင္းဆိုထားၿပီး ျပည္တြင္းလုပ္ငန္းရွင္မ်ားကလည္း ျပည္ပဘဏ္မ်ားထံမွ        ေခ်းေငြရယူလိုေၾကာင္း အစိုးရႏွင့္ ဗဟိုဘဏ္သို႔ တင္ျပ.!

လက္ရွိအေျခအေနတြင္ ျပည္တြင္းလုပ္ငန္းရွင္မ်ားသို႔ ႏိုင္ငံျခားဘဏ္မ်ားက ေငြေခ်းခြင့္ကို ျပည္တြင္းဘဏ္မ်ားက ကန္႔ကြက္ေနျခင္းျဖစ္ၿပီး ျပည္ပဘဏ္မ်ားကလည္း ျပည္တြင္းလုပ္ငန္းရွင္မ်ားအား ေငြေခ်းခြင့္ရရွိရန္ ေတာင္းဆိုေနေၾကာင္း Global Treasure ဘဏ္ဒုတိယအုပ္ခ်ဳပ္မႈ ဒါ႐ိုက္တာ ေဒါက္တာလွညြန္႔က Myanmar Business Development Group မွက်င္းပသည့္ စီးပြားေရးအခြင့္အလမ္းႏွင့္ စိန္ေခၚမႈမ်ားေဆြးေႏြးပြဲတြင္ ထည့္သြင္းေျပာၾကားသည္။


“ကြၽန္ေတာ္တစ္ဦးတည္း အျမင္အရေျပာရရင္ ပုဂၢလိကကေတာ့ ႏုိင္ငံျခားဘဏ္ေတြဆီက Occupied လုပ္သြားမွာေလ။ ႏိုင္ငံျခားဘဏ္ေတြဆီ Occupied လုပ္သြားမယ္ဆိုရင္ ကြၽန္ေတာ္တို႔ဆီကို Individual လာဖို႔က Protion တအားက်သြားမယ္။ အဲဒီအတြက္ေၾကာင့္လည္း ျပည္တြင္းဘဏ္ေတြဘက္က ဟိုဘက္ကိုမေပးပါနဲ႔ဆုိၿပီး Defence လုပ္ေနတာ။ ဒါေပမဲ့ ႏိုင္ငံျခားဘဏ္ေတြကလည္း ျပည္ပကုမၸဏီေတြနဲ႔တင္      အလုပ္မျဖစ္ဘူး။ ငါတုိ႔ကို ျပည္တြင္းလုပ္ငန္းရွင္ေတြနဲ႔ ေပးလုပ္ပါဆိုၿပီး Request လုပ္ေနတာ။

 ျပည္တြင္းကလည္း ျပည္ပႏိုင္ငံျခားဘဏ္ေတြက ေငြေခ်းခြင့္ေတာင္းေနတယ္။ ျပည္ပဘဏ္ေတြကလည္း Request လုပ္ေနတယ္ဆိုေတာ့ ဆံုးျဖတ္ခ်က္ခ်ရမယ့္ ဗဟိုဘဏ္ကေတာ့ ဘာလုပ္မလဲမသိဘူးေပါ့” ဟု   ေဒါက္တာလွညြန္႔က ယင္းတစ္ဦးတည္းအျမင္အေပၚ ေျပာၾကားသည္။
ျပည္တြင္းဘဏ္မ်ား၏ စြမ္းေဆာင္မႈျဖင့္ ျပည္တြင္းလုပ္ငန္းရွင္မ်ား လိုအပ္သည့္ ေခ်းေငြထုတ္ေပးႏိုင္စြမ္း  မရွိဘဲ ျပည္တြင္းဘဏ္က ျပည္ပဘဏ္မ်ားကို ယင္းတို႔ထိခိုက္မည္စိုးသည့္အတြက္ ကန္႔သတ္ရန္ ေတာင္းဆိုေနျခင္းမွာ တုိင္းျပည္ႏွင့္ ျပည္တြင္းလုပ္ငန္းရွင္မ်ားသာ အထိနာသည့္ ပံုစံျဖစ္ေနေၾကာင္း ျမန္မာႏိုင္ငံ     ေတာ္ ဗဟိုဘဏ္မွ အၿငိမ္းစား ဒုတိယညႊန္ၾကားေရးမွဴးတစ္ဦးက ေျပာၾကားသည္။
ျပည္တြင္းလုပ္ငန္းရွင္မ်ားကို ေငြေခ်းေပးခြင့္ ကန္႔သတ္ထားသည့္ ႏိုင္ငံျခားဘဏ္ ၁၃ ဘဏ္အေပၚ ကန္႔   သတ္ထားမႈ ေျဖေလွ်ာ့ေပးၿပီး Corporate Banking ကို ျပည္တြင္းလုပ္ငန္းရွင္မ်ားအတြက္ ခြင့္ျပဳေပးရန္ အစိုးရႏွင့္ ျမန္မာႏိုင္ငံေတာ္ ဗဟိုဘဏ္သို႔ တင္ျပေတာင္းဆိုထားေၾကာင္း ျမန္မာႏိုင္ငံ ဆန္စပါးလုပ္ငန္း   အသင္းခ်ဳပ္ ဒုတိယဥကၠဌႏွင့္ Myanmar Business Development Group မွ ေဒါက္တာစိုးထြန္းက ေျပာ   ၾကားသည္။
“လက္ရွိမွာ ျမန္မာႏိုင္ငံသားကို ခြင့္ျပဳမထားဘူး။ အသင္းအဖြဲ႕ေလးေတြအတြက္ ျပည္တြင္းဘဏ္ တစ္ဆင့္ခံမွရတယ္။ ႏိုင္ငံျခားကုမၸဏီကိုပဲ ခြင့္ျပဳထားတယ္။ ကြၽန္ေတာ္တို႔တင္ျပတာက MFDB၊ MICB ဘဏ္မ်ဳိး Only Export/Import၊ MFDB၊ MICB Domestic ဘဏ္လိုအဆင့္မ်ဳိး ခြင့္ျပဳဖို႔ေတာင္းဆိုထားတာ။

ကြၽန္ေတာ္တို႔ လုပ္ငန္းရွင္ေတြအေနနဲ႔ ကြၽန္ေတာ္တို႔က ဆန္ေရာင္းမယ္။ ပဲေရာင္းမယ္။ ကြၽန္ေတာ္တို႔က TT (Telegraphic Transfer) ေတာင္းရတယ္။ ႏိုင္ငံျခားမွာ TT ဆိုတာမရွိေတာ့ဘူး။ LC (Letter of Credit) သြားဖို႔ကို ကြၽန္ေတာ္တို႔မွာ ျပႆနာက Financing မရွိဘူး။ မရွိတဲ့အခါက်ေတာ့ မေရာင္းႏိုင္ဘူး။ မေရာင္းႏိုင္ေတာ့ ကြၽန္ေတာ္တို႔က စင္ကာပူမွာရွိတဲ့ ကုမၸဏီကေနတစ္ဆင့္ သြားေနရတယ္။ အဲဒီလိုသြားရတဲ့အတြက္ ကြၽန္ေတာ္တို႔အတြက္ နစ္နာတယ္။ ပဲျပႆနာတက္တဲ့အခ်ိန္မွာ သူတို႔ကေျပာတာက အိႏၵိယနဲ႔ ျမန္မာ Direct Contract ရွိလား။ Payment လုပ္ထားလား။ ကြၽန္ေတာ္တို႔ Payment အားလံုးက အိႏၵိယနဲ႔မရွိဘူး။ စင္ကာပူကိုပဲေပးထားတာ။ ကြၽန္ေတာ္တုိ႔မွာ ျပႆနာက Corporate Banking ကို အဲဒီဘဏ္ ၁၃ ခုအတြက္ ႏိုင္ငံျခားကုမၸဏီေတြကိုပဲ ခြင့္ျပဳထားတာ။ ကြၽန္ေတာ္တို႔ ျပည္တြင္းလုပ္ငန္းရွင္ေတြက အဲဒီဘဏ္ ၁၃ ဘဏ္နဲ႔ဆက္သြယ္လို႔မရဘူး” ဟု ေဒါက္တာစိုးထြန္းက လက္ရွိအေျခအေနအေပၚ ေျပာၾကား သည္။

ျပည္တြင္းပုဂၢလိကဘဏ္မ်ားသည္ လက္ရွိျမန္မာႏိုင္ငံတြင္ အ႐ံႈးမရွိေသာ လုပ္ငန္းပံုစံျဖင့္ လည္ပတ္ေန  သည့္ တစ္ခုတည္းေသာလုပ္ငန္းျဖစ္ၿပီး အလြန္အကြၽံကာကြယ္မႈမ်ား ရရွိထားၿပီး အဆိုပါအလြန္အကြၽံ   ကာကြယ္မႈမ်ားႏွင့္ မ်ားျပားသည့္ ေခ်းေငြအတိုးႏႈန္းမ်ား၊ ၀န္ေဆာင္ခမ်ားအတြက္ ေခတ္မမီေတာ့သည့္ ျမန္မာ့ဘဏ္၀န္ေဆာင္မႈမ်ားကို ျပင္ဆင္ရန္ ေတာင္းဆိုမႈမ်ားရွိေနေသာ္လည္း လက္ရွိအခ်ိန္အထိ ျဖစ္ေပၚ     မလာေသးေၾကာင္း သိရသည္။


ျမန္မာနိင္ငံတြင္ SMEs လုပ္ငန္း မ်ားမွာ စီးပြားေရးလုပ္ငန္း၏ (၉၉.၄)ရာခိုင္ႏူန္းအထိ ပါ၀င္ေနေသာလည္း ပ်မ္းမ် လူဦးေရတစ္ေထာင္လ်င္ လူ(၂.၆)ဦးခန္႔သာ  SMEsကို လုပ္ကိုင္လ်က္ရွိရာ ဖံြးျဖိဳးဆဲနိင္ငံမ်ားတြင္ပင္ အႏွိမ့္ဆံုးစရင္း၀င္ေနသည္ဟု ESCAP၏ သတင္းထုက္ျပန္ခ်က္ အရ သိရသည္။
နိင္ငံတကာတြင္ ခန္႔မွန္းေျခမ်ား အရ လူတစ္ေထာင္လွ်င္ ပ်မ္းမ် လူ(၉)ဦးမွ (၂၇)ဦး အထိမွာ SMEs လုပ္ငန္းရွင္မ်ား ျဖစ္ေလရာ ျမန္မာနိင္ငံ၏ အေျခအေနအရ ဖံြးျဖိဳးေနဆဲ နိင္ငံမ်ားထက္ပင္ အႏွိမ့္ဆံုး စာရင္း၀င္ေနလ်က္ ရွိသည္ ဟုလည္း ထုက္ျပန္ခ်က္တြင္ ေဖာ္ျပထားသည္။
ျမန္မာနိင္ငံတြင္ စီးပြားေရးလုပ္ငန္းေပါင္း (၁၂၆,၉၅၈)ခု ရွိေနျပီး အၾကီးစားလုပ္ငန္းေပါင္း(၇၂၁)ခု ရွိကာ အေသးစားႏွင့္ အလတ္စား လုပ္ငန္းစုစုေပါင္း(၁၂၆,၂၃၇)ခု ရွိေနကာ စီးပြားေရးလုပ္ငန္း စုစုေပါင္း(၉၉.၄)ရာခိုင္ႏူန္း ရွိေနေၾကာင္း၊ ထိုအျပင္ ေယဘုယ် မသက္မွတ္နိင္ေသးေသာ တနိင္တပိုင္ စီးပြားေရးလုပ္ငန္းမ်ားမွာ စုစုေပါင္း(၆၂၀၀၀၀)ခန္႔ ရွိေနေၾကာင္း အေသးစားႏွင့္ အလတ္စားစီးပြားေရဖံြးျဖိဳးတိုး    တက္ ေရးေန မွ ထုက္ျပန္ခ်က္တို႔ အရ သိရသည္။
SME လုပ္ငန္းမ်ားသည္ နိင္ငံ စီးပြားေရး အခန္က႑အတြက္ အေရးပါလ်က္ရွိရာ ယင္းအတြက္ သီးျခားဥပေဒ အျပင္ SME development Bank ကိုပါ ထူေထာင္ခဲ့သည္။
သို႔ေသာ္လည္း အမ်ားစုကို ကူညီပံပိုးမူ မျပဳထားနိင္သည့္ အျပင္ မၾကာမွိ ေရာက္ရွိလာမည့္ 2015 AEC/AFTA တြင္ ေဒသတြင္းနိင္ငံမ်ားကို ယဥ္ျပိဳင္နိင္ျခင္း မရွိပဲ လုပ္ငန္းမ်ားေပ်က္ကြယ္သြားမည္ကို အဆိုပါ SMEs လုပ္ငန္းရွင္မ်ားက ဆိုထားၾကသည္။
လက္ရွိ ျမန္မာနိင္ငံတြင္ SMEs စံႏူန္း သက္မွတ္ခ်က္ အရ ၀န္ထမ္း(၁၀)ေယာက္ ေအာက္ လုပ္ငန္းမ်ားကို Micro SMEs၊၀န္ထမ္း (၅၀)ဦး အထိ ရွိကာ ရင္းႏွီးျမုပ္ႏွံေငြ က်ပ္သိန္း(၁၀၀) ဆိုပါက အေသးစား SME လုပ္ငန္း၊၀န္ထမ္း(၁၀၀)ဦး ႏွင့္ ရင္းႏွီးျမဳပ္ႏွံေငြ က်ပ္သိန္း(၅၀၀)ဆိုပါက အလတ္စား SME လုပ္ငန္း ႏွင့္ ၀န္ထမ္းဦးေရ (၁၀၀)အထက္ ႏွင့္ ရင္းႏွီးျမဳပ္ႏွံေငြ က်ပ္သိန္း(၁၀၀၀)အထက္ ဆိုပါက  အၾကီးစားလုပ္ငန္း ဟု ေယဘုယ် သက္မွတ္ထားေလသည္။
ျပည္တြင္း SMEs လုပ္ငန္းမ်ား ေရရွည္ ရပ္တည္လုပ္ကိုင္နိင္ေရးတို႔အတြက္ နည္းပညာႏွင့္ ေငြေၾကး လိုအပ္လ်က္ ရွိေနကာ ယင္းအခ်က္တို႔ကို အကူအညီ ရရွိနိင္မူ နည္းပါးလ်က္ ရွိေနတလို ဘဏ္ေခ်းေငြမွ အတိုးႏူန္းၾကီးျမင့္တကဲ့သို႔ ေခ်းေငြ ရရွိနိင္မူမွာလည္း နည္းပါးလ်က္ ရွိသည္ဟု လုပ္ငန္းရွင္တို႔ ေထာက္ျပထားသည္။
SMEs လုပ္ငန္းမ်ားသည္ နိင္ငံတခု ၏ GDP အေပၚ အေထာက္အကူ ျပဳေလ့ ရွိျပီး ထုက္ကုန္အမ်ားစု ထုက္လုပ္ျဖန္ခ်ီေပးရာ ျဖစ္သည့္အတြက္ နိင္ငံတကာတြင္ အထူးတလည္ဦးစားေပး စနစ္က်င့္သံုးကာ လုပ္ငန္းမ်ား လည္ပတ္နိင္ရန္ အေထာက္အပံေပး ေဆာင္ရႊက္ေလ့ ရွိသည္ဟု OSEAP က ဆိုထားသည္။
အိမ္နီခ်င္းနိင္ငံမ်ားျဖစ္ေသာ တရုက္နိင္ငံရွိ ပို႔ကုန္(၆၉.၂)ရာခိုင္ႏူန္းကို  SMEs လုပ္ငန္းမ်ားမွ ရရွိျပီး၊ထိုင္းနိင္ငံ ၏ ျပည္ပပို႔ကုန္(၃၀.၆)ရာခိုင္ႏူန္း၊ဗီယက္နမ္ နိင္ငံ၏(၂၀)ရာခိုင္ႏူန္း၊အိႏိၵယ မွ (၄၀)ရာခိုင္ႏူန္း တို႔မွာ SMEs လုပ္ငန္းမ်ားမွ ရရွိေလသည္။












Business Loans In Singapore Comparison


Business loans in Singapore are offered by almost 20+ banks, financial institutions and alternative lenders. 
It can be confusing and a waste of time for you to check which is the best business loan….
Different banks have different criteria, interest rates and types of business loans offered. You don’t have to call up every bank to check their rates and criteria:
Use this simple free loan assessment tool to compare all SME business loans.click-here
sme-loans-compare

Types of small business loans:

Business Term Loans

Most common form of working capital loan. Lump sum principal loan amount usually between $50K to $300K per bank. Repayable via equal monthly installments typically between 3 to 5 years.

SME Micro Loan

The SME Micro Loan is a government assisted financing scheme for local SMEs. Maximum funding up to $100K for companies with annual revenue less than $1M or less than 10 employees.

SME Working Capital Loan

The SME Working Capital Loan is a government assisted financing scheme from Spring Singapore launched in June 2016, available till May 2019. Up to $300K financing for Singapore SMEs. 

Trade Financing

Revolving credit line to finance purchases of inventories or materials from suppliers. Letters of Credit (LC) can be issued to overseas suppliers. Trust Receipts (TR) credit terms between 90-120 days.

Factoring / Receivables Financing

Financier advance 80% to 90% of your customers’ outstanding invoices value. Suitable for SMEs whom serve reputable companies with long credit terms.

Property Financing

Mortgage loan to finance purchases of commercial or industrial properties. SMEs can also pledge exiting property to banks for financing facilities. Cheapest form of financing due to collateral nature.

Equipment Financing 

To finance purchase of fixed assets such as machinery and equipment. Typically structured as hire purchase or leasing.


Business Loan Interest Rate

Different banks and loan products bears different interest rate. A typical business term loan interest rate range between simple interest 3.5% to 6% p.a. (effective interest rate about 6.5% to 11%).
Use our business loan interest rate calculator to check indicative monthly installment amount and interest costs.


Typical commercial loan criteria and requirement:

  • Minimum annual revenue of $300K
  • Minimum average daily balance of $10K maintained in bank account
  • Operational history of 1 year, preferably 2 years.

There is a wide variety of financing products and interest rates among the various banks and financial institutions. Credit criteria is also different between all banks. 
You can use a loan assessment tool to check your company’s eligibility and compare all banks business loan offerings.
sme-loans-compare

Most Singapore SMEs have at least a banking account with the 3 local banks due to their wide retail banking network and brand name familiarity.
The 3 local banks are undoubtedly the dominant players in Singapore’s SME financing space. With strong branding and sturdy balance sheets, our 3 homegrown banks continue to dominate Asia’s safest banks rankings year after year.
DBS, OCBC & UOB are ranked the top 3 safest banks in Asia respectively for 2017. [1]
Singapore banks Asia safest       
Image credit: http://www.straitstimes.com
When it comes to applying for a business loan, most SMEs will naturally gravitate towards these 3 banks as well.
How attractive are the 3 local banks SME loan offerings compared against each other?
We’ve done some research via mystery shopping calls to their respective SME loan departments and quick checks on their websites product page. Here are the results we got:

DBS Business Loan    dbs sme loan

DBS offers an unsecured term loan for SMEs:
  • Maximum loan amount is $500K.
  • Maximum loan repayment period is 5 years.
  • Interest rate starts from 10.88% p.a.
  • Processing fee 2% of loan amount
  • Repayment method via equal monthly installments calculated on monthly reducing principal
  • No early repayment penalty

OCBC Business Loan   ocbc sme loan

OCBC unsecured business term loan product features:
  • Maximum loan amount is $500K.
  • Maximum loan repayment period is 5 years.
  • Interest rate starts from 10.88% p.a.
  • Processing fee 2% of loan amount
  • Repayment method via equal monthly installments calculated on monthly reducing principal
  • Early repayment penalty 3%

UOB Business loan   UOB sme loan

UOB’s unsecured term loan is named ‘BizMoney Loan’:
  • Maximum loan amount is $350K.
  • Maximum loan repayment period is 4 years.
  • Interest rate starts from 10.88% p.a.
  • Processing fee 2% of loan amount
  • Repayment method via equal monthly installments calculated on monthly reducing principal
  • Early repayment penalty 6.88%
business loans Singapore banks

Which local bank’s business financing should you choose?
All 3 banks SME loan product features are very similar. They are also priced almost identically with all 3 banks’ business loan interest rate starting from 10.88% p.a. EIR.
UOB business loan features are less attractive with the maximum quantum of $350K compared to both DBS and OCBC at $500K. UOB’s early loan redemption penalty is also the highest at 6.88%.

P.S. Although all 3 banks publish their maximum loan quantum, do note in our experience, it’s not easy to qualify for their maximum limit. Most borrowers, we think, will not be offered the maximum amount unless financials and all credit aspects are exceedingly strong.

If you i
ntend to redeem your loan earlier than the approved loan tenure, you should go for DBS as it allows early redemption at any time with no penalty.
The above figures are for reference only. Although business financing product features are similar, do note that all 3 banks have different internal credit criteria.
For example:
OCBC SME loan will require the applicant company to be registered for minimum 2 years while UOB will require minimum 3 years of incorporation.
For newly registered companies less than 2 years’ incorporation looking for a startup business loan, the 3 business loan products reviewed here might not be eligible.
For new startups registered between 6 months and 2 years, OCBC does offer a smaller financing product called the Business First Loan
There are other multiple credit criteria that differ between the 3 banks, including age limit of director, industry nature of business, minimum annual revenue requirements etc…
Aside from our 3 local banks, there are about 20+ different banks, financial institutions and alternative financiers that offer working capital loan financing for SMEs.
To help you navigate the different criteria and credit requirements of all financiers, you can easily compare all banks’ SME loans with a free online business loan assessment and see all your funding options instantly!
sme-loans-compare

Disclaimer: Linkflow Capital Pte Ltd does not purport to represent any of the 3 local banks in any manner. We are not able to guarantee the accuracy of the information presented here perpetually as the banks might adjust their product features over time. All information on the 3 local banks business loan products presented in this article were obtained in September 2017 via their respective websites. The information presented here is not meant to be relied on solely. If in doubt, please verify information again with the respective banks business loan department or seek professional help.
Sources:

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