關於 how to reduce interest rate risk ，我們在網路上蒐集到這些相關的討論、資訊與評價

กรณีศึกษา ธนาคารออมสิน กำลังดิสรัป ธุรกิจนอนแบงก์ /โดย ลงทุนแมน
ตลอดระยะเวลาที่ผ่านมา..
หนึ่งในความท้าทายของสถาบันการเงินในประเทศไทย
ก็คือการที่บริษัทเทคโนโลยียักษ์ใหญ่จากต่างประเทศ
เริ่มผันตัวเข้าสู่ธุรกิจการเงิน
...Continue ReadingCase study of the piggy bank. Displaying the business to sleep bank / by investing man.
Throughout the past period..
One of the challenges of financial institutions in Thailand.
It's about the big tech companies from foreign countries.
Starting to go into business finance.

This has started to happen in Thailand recently.
Whether it's a loan release from a car app like Grab.
Or Shopee Interest Payment Installment Service

However, players who are originally in financial institutions will also try to break into new business involved.

And one of those players is named a piggy bank..
A piggy bank will enter into a business of releasing loans, pawns, license plates, and personal loans. Normally, these loans will have non-bank financial institutions, aka sleep bank, the main player.

So what challenge is the piggy bank with the same player?
Invest man will tell you about it.
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Recently..
Piggy Bank just appointed a new Director of Bank
It's Mr. Vithai Rattanakorn which is the 17th Director of Bank.
Since the bank was founded for 107 years.

After taking the position of Mr. Witthai Rattanakorn
Well, strategize the piggy bank as Social Bank.
Or full social bank

One of the announced strategies is to bring the piggy bank into the sleep bank business.
Whether it's personal loan, credit card, cash card and car registration loan.

And recently, the piggy bank has just launched a loan, pawn, car and motorcycle registration.

Interesting thing is that banks will lower interest rates to lower than they are in the market.
Which is likely to drop by half or around 10-14 % per annum.

For causes to downgrade, the bank reasoned that the pawn-license type loan is the source.
Another loan that the foundation citizens or low income people use the service.

While what was still a problem all the time, the people foundations didn't reach the loan in the system.
And loans from outside the system with interest rate of 40-50 % per annum

And even if some people have access to the loan in the system, we will find out that the interest rate sleeps the bank.
Still slightly higher than average commercial bank interest rate.

So how high is the sleep bank business interest rate ceiling?

16 % credit card interest
25 % cash press card interest
24 % interest pawn car license plate

Each company has different interest rates.
For example,

MTC and SAWAD business, pawn, license plate.
A slightly lower interest rate charge below the highest ceiling.

While credit card companies like KTC and AEONTS score interest rates at highest ceiling.

Surely if the piggy bank issued a loan at a lower interest rate than the market.
It's going to put pressure on other players in the system to tend to lower interest rates to compete with piggy banks.

That means the profits of these companies will decrease in the long term.
And that will lead to a fundamental assessment of the company's value that has changed from the same.

However, the issue is still mindful is risk management under lower interest rates.
How does the piggy bank have a criteria for recruiting debtors and controlling the amount of debt?

This is also one interesting move.
Because the business of sleeping bank is a business that enjoys interest rate and high loan.
While financial costs are low because of interest, the policy has been low for a long time.
In the past, no one dare to reduce the interest collected from customers.
There are only banks of Thailand with supervisory duties. Order to reduce interest ceiling.

And of course, it's a piggy bank sleepout business this year.
It will become another challenge that these companies have to face. No more or less..
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References
- The official website of the Piggy Bank.
- Bank of Thailand
-https://www.thairath.co.th/news/business/finance-banking/1907432
-https://www.bangkokbiznews.com/news/detail/890908Translated

กรุงไทย x ลงทุนแมน
ครั้งแรกในประเทศไทย พันธบัตรดิจิทัล ทางเลือกใหม่ในวันที่ดอกเบี้ยเงินฝากลดลง
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[อัปเดต 24 มิ.ย. เวลา 10.00] ทางกรุงไทยแจ้งมาว่า ขณะนี้พันธบัตรมียอดซื้อเต็มแล้ว และ ปิดการขายเป็นที่เรียบร้อยแล้ว ขอบคุณทุกท่านที่ให้ความสนใจครับ
—————...
Continue ReadingKrungthai x invest man
First time in Thailand, digital bonds cuddle new choice on days when deposits interest decrease.
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[cuddle update 24 June Oh my god. Time 10.00 10.00 Krungthai has informed that the bond is now full and the sale is closed. Thank you all for your interest.
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After many banks reduce interest rate savings
Down to 0.25-0.30 % which is historically low.
This is why many people are looking for a worthwhile investment than deposits in banks.
Most importantly, when you have invested, you must feel comfortable.

And if there is an investment that gives a return with a fixed interest rate of 1.7 % per year.
Safe and low risk because of investment with the Treasury.
Is this interesting when I hear this?

The first time in Thailand that we can buy cuddle digital savings bonds via wallet app.
Krungthai Bank... How much does this bond meet?
Investing man will tell you about it.

Did you know that cuddle digital savings bonds have never occurred before in our home?
But when almost every financial transaction in this era, everything ends in one cell phone.
So there is a cooperation between the Office of Public Debt Management (SBO). ) and Krungthai Bank
To issue digital savings bonds cuddle l. Wallet model. Soap. Easy to buy through the wallet app of Krungthai Bank with total sales limit of 200 million baht.

This is interesting. We can buy this bond with minimum purchase of 100 baht (1 baht per unit only) and limit the maximum purchase limit of 500,000 baht.
Which has never been done before. Investing only 100 baht.
Because buying government bonds will start at 1,000 baht.

Make this time more expansion of capital uncles and reach new investors. Especially youth groups of 15 years old can possess this digital savings bond.

cuddle digital bonds will start selling tomorrow 24 June 2563 at 08.30 pm. Onward.
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[cuddle update 24 June Oh my god. Time 10.00 10.00 Krungthai has informed that the bond is now full and the sale is closed. Thank you all for your interest.
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If anyone is interested, download the wallet app via App Store and Google Play.
This app can support many wallets at once.
Then transfer money to the mallet soap. And choose a wallet savings bond.
Identify the amount and press confirm payment. We own cuddle digital savings bonds immediately.
Don't wait 15 days like before

This bond will be 3 years old. We will receive interest rate of 1.7 % per annum divided into 2 draws every December 24 and June 24th every year.
And when bonds are due to 3 years old, we will also receive a refund to the Wallet.

This.. is a cuddle-year-old introduction of government bond sales. It's because from the beginning, if we want to buy savings bonds, we have to travel to banks.

But.. this time we can buy it right away, anywhere, anytime, via the wallet app of Krungthai Bank.
It's a wallet app to be the main way to trade other bonds of government.
And we should see new innovations that will meet our financial needs in the future.

References
-https://www.youtube.com/watch?v=JTGONGBLx8Y&feature=youtu.be
-https://news.ch7.com/detail/419965
-https://www.youtube.com/watch?v=fyQl79iojqs&feature=youtu.be
-https://www.pdmo.go.th/th/bond-knows
-https://www.prachachat.net/finance/news-471257Translated

เงินติดล้อ X ลงทุนแมน
กรณีศึกษา ทางเลือกยุติวิกฤติหนี้วนรอบตัว
มีการประเมินว่าวิกฤติเศรษฐกิจครั้งนี้ กำลังทำให้คนไทยเสี่ยงตกงานสูง
ซึ่งยังไม่รวมถึงคนที่อาจถูกลดเงินเดือน จนถึงปีนี้อาจไม่ได้รับโบนัส
...Continue ReadingWheel money tid invest man
Alternative case study. Ending the debt crisis around the world.
It is estimated that this economic crisis is putting Thai people at high risk of unemployment.
This doesn't include people who may have been on salary so far this year may not get bonus.

This is making many office workers worry about their financial status.
Because when expenses remain the same, income is likely decreasing.

A solution that is always chosen is to ask for a loan for a loan.
So far using a credit card to tackle your own daily spending.
Or worse than that, someone might have to rely on debt out of the system.

When it's like this, what many people face is ′′ a system of debt
When taking money from this credit card to clean up another debt, including paying off personal debts.
When you turn money into a minimum debt, it becomes a spinning. Never ending.

When I come to realize that again.. interest and debt are increasing to myself. It's too much that I'm paying.
Finally, it's a bad result of our financial history. It's difficult to ask for a loan or a financial transaction.

The impact of this economic crisis is making people in the situation more and more in our homes.

This story is why ′′ Wheel Money ′′ invented a promotion to help people with financial crisis for many people.
Having a difficult state of affairs or having overdue debt lately.

How well will this promo solve the debt burden?

First of all, I have to explain that ′′ wheel money ′′ is in business with license plate.
If we want to spend money then we have a car or motorcycle, it can be used to get a loan with wheeled money.

The interesting thing is.. if it's approved we can still use the same car.

This story is one of the solutions for those who encounter debt problems.
With a way to consolidate many debt to only one debt.

Assuming if we owe 4 credit cards and personal debts.
Which means we have to carry interest and creditor fees up to 5 accounts.

But if we ask for a loan with wheels money, then pay back the other debts.
We will have a burden to pay in installments. Just one wheeled money.
Now it's keeping us from paying interest and redundant fees. It's considered to reduce the heavy installment burden to lightly.

khảt̄hām is, how about this promo, interest rate and fees?
The answer is if it's interest, the tree reduction will be at 18.95 % per annum.

The good thing is that if in the month we have more income, it can be poa to reduce the money. The interest throughout the contract will be reduced.
Or if we have big money, it can be closed anytime and we don't have to pay the rest of the interest because the interest will be paid until the day we close the debt.

Interesting thing is fast approval. Get paid within 24 hours. After being approved

This method may be one of the options that help save many people's financial crisis.
Been going through well lately

For money, wheels are business entrepreneurs. Provide loan services under licenses from Bank of Thailand. Our rates and interest methods are consistent with public sector policy. This brand's strength is easy access. Do business straightforward. There are 1,000 branches nationwide and 1,000 branches nationwide. Ready to help customers live a spinning life.

Counting as another interesting choice
Because I know that the expansion of Thai household debt is around 9 years ago.
Most of them are still clustering with the same borrower. It's a difficult debt trap.

#ให้ทุกคนได้ไปต่อ #เงินติดล้อ

Interested in loan, car license, wheeled money, click https://bit.ly/2G2ZOyM

References
- Press release documents. Wheel money Ltd.
-https://www.bot.or.th/app/feerate/internal.aspx?PageNo=7
https://www.ngerntidlor.com/th/promotions/autoloan/autoloan-088-aug20.htmlTranslated