In the United States after the credit crisis, for example, the government itself made large-scale infusions of funds into institutions such as AIG. In the AIG deal, the US government reduced its stake gradually and earned profits on its share sales.
在美国的金融危机后，例如，政府对AIG这样的机构大规模地注入资金。在AIG交易中，美国政府逐步减少所占股份并从共享销售中赚得了利润。
In the ultimate analysis, India's bad loan problem is not a purely financial one. It is a national economic problem and one that requires a political solution hand in hand with a clear government commitment to stand behind core national assets.
在最终的分析中，印度的坏账问题并不是一个纯粹的金融问题。这是一个国家经济问题。我们需要和一个站在国家核心资产背后的清晰的政府委员会一起联手推出一个政治解决方案。
印度网民评论
译者：网友投稿
来源：三泰虎 http://www.santaihu.com/2017040801.html
NPA problems
by Vattem Krishnan on Apr 04, 2017 08:00 AM
where win in elections matter to come to power and rule Delhi,Loan melas Industrial credits and all kind of shows are made to profiteer big Industries.The loans given r made use for other purposes and else where.Bad money flows to real estate sector to zoom up land prices and convert agriculture lands.This is on going story.If the present Govt wants to come to power in 2019 they do the same thing to go soft on profiteers and racketeers.our de ocracy is made for the sake of politicians and big Industry to use power in Delhi for their own prosperity.Lets wait for infusion of capital not on US model but in one more tranche of New Rs5k notes to come back illegal money to banks that aids bank balance sheets
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Then why not wite off farm loans???
by dhananjay kritu on Apr 03, 2017 10:14 PM
选举的胜利关系到得到权力和入主德里。工业信用贷款和各种作秀被用于大型工业公司的奸商们。这些贷款被用于其它目的。这些钱都流向了房地产领域并迅速推高了土地价格，也改变了农业用地。这个故事还在继续。如果现在的政府想要赢得2019年的大选，它们就不得不软化和这些奸商和骗子的关系。我们的皿煮制度为这些政治家和大工业家为了自己的利益而在德里使用权力提供了理由。让我们等着瞧，不会有像美国模式那样注入资金，而是通过新版5千卢比大钞让非法的资金回流银行来帮助银行平衡资产负债表。
Purely Financial sector's FENCE eats the field problem
by R ponnabalam on Apr 03, 2017 08:28 PM
纯粹的金融领域的圈地运动问题。
How few a people enjoy 80 per cent of the log-jammed funds belong to the people of India - through public debt and equity markets. And what the Govt. is doing? It is a purely financial sector’s FENCE EATS THE FIELD PROBLEM. In small companies if loan I repayment is defaulted that money is recovered from incoming cheques to the company R.PONNAMBALAM
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Re: Purely Financial sector's FENCE eats the field problem
by mukaddim hussain on Apr 03, 2017 09:07 PM
有多少人享受了80%的困境基金？这些钱属于全体印度老百姓----通过公共债务和股市。政府干什么去了？这是纯粹的金融圈地运动问题。在小公司如果我的贷款违约，银行就直接从公司的收入支票中扣除欠款。
Because big fishes are involved in it which even the govt.(BJP, Cong et al) dare not to challenge it. NPAs are increasing at a very alarming pace and everybody is sitting hands up. One day you will hear that all these bad loans of the big brothers have been waived off, leaving the small fries.
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Purely Financial sector's Fence eats the Field Problem
by R ponnabalam on Apr 03, 2017 08:27 PM
因为“大鱼”也卷入其中，甚至政府（人民党，国大党等等）都不敢动它。NPA（译者：这个不知什么意思。请高手指点。）们已经增长到了令人害怕的地步，所有人都举手投降了。总有一天，你会听到这些大哥的所有坏账都被免除了，只留下一地鸡毛。
Tottering corporate balance sheets weakened by heavy bad debts and bank balance sheets awash in red ink.”How it is possible unless deliberate from the Private sector much vaunted for efficiency.Why it must be accepted when fund diversion in Fixed assets is a big drain known universally but never brought to light.We believe that private ownership is a Horatio the wooden character and would not enjoy life of it’s wealth and will be like one famous ad.went “eat work , drink work and sleep work.” The estimate of non-performing loans is now around $191 billion. What was the amount –why it is not unrecovered loan- before the Privatisation mania. What banks had been doing every year and what their audit did? And what the Govt did on that audit report. Thirteen per cent of the gross non-performing loans are from the infrastructure sector.Who are in this sector.Are they extremely important people that their names are not out and one gentleman lamented”Am I the poster boy of loan defaulters”That means that he tells us to let the other names out?Why it is not coming. “project assets face the increasing risk of obsolescence from lack of maintenance, upgradation and, in many cases, completion” What was the department’s and third party agent’s periodic Inspection reports and what had been done on it?Do banks know how to monitor that and have they done it. And have they been brought to book if not done it.How few a pe
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Re: Purely Financial sector's Fence eats the Field Problem
by sekhar on Apr 03, 2017 08:51 PM
“摇摇欲坠的公司资产负债表被严重的坏账所削弱，同时银行的资产负债表充满了赤字。”这怎么可能。除非在私营领域有人故意吹嘘夸大自己的能力。为什么不得不接受资金被转移到固定资产这一众所周知的大坑？我们相信私营企业主就像一个木偶一样从不享受自己财产带来的生活，并像广告词里说的那样“吃着工作，喝着工作，睡着工作。”不良贷款的估值已经达到1910亿美元。私有化狂热之前的总数是多少？为什么之前没发现？银行们这些年都在干什么？监管在干什么？政府在监管报告上又都在干什么？13%的不良贷款来自于基础设施领域。都有谁在这个领域？这个领域的人都是极端重要的人以至于连名字都不能透露吗？我是这个贷款违约者海报上的人吗？这意味着他要透露给我们其它人的名字？为什么没有透露？工程项目因为维护不善引起的折旧、废弃、更新升级和各种莫名的情况而面临的成本花费不断增加的风险。政府部门和第三方机构的定期检验报告在哪？都干什么去了？银行们都知道怎么监控这些事情吗？实施了吗？如果还没实施的话还是让他们回学校回回炉吧。
whereas Banks scrutinize meticulously demanding collaterol surety to sanction a loan to normal citizen,how it is hundreds of crores sanctioned to politically connected companies/VIPs without corresponding fixed assets mortgaged,confirming the nexus of politicians and bank top authorities responsible for hundreds/thousands of crores of loan defaults in Public sector only and not in pvt banks.same way Writing off loans promised during elections to be borne by the concerned political parties and not from public savings kept with banks.Then only Sick Banks turn healthy with negligible NPAs
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鉴于印度银行们对普通印度老百姓的贷款要经过超精细的检查和条件苛刻的担保核对，它们怎么能直接就批准数千万个连相等的固定资产抵押都没有的政府关系公司和VIP客户的贷款。可以确定的是印度政治家们和银行高管们应该为数以千亿计的贷款违约负责。同样的，醉心于政治的政党会把在选举期间签下的贷款保证书烧掉并且不是来自银行持有的公共存款。那时，只有恶心的印度银行们会变得健康。和可以忽略不计的NPA们。（译者：这个NPA到底是什么意思？网上都查不到。）
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