Wednesday, July 10, 2019

Bank Recap, Export Model, Price Expectations, Taxes, Foreign Debt and Stocks...




We have close to $ 500 billion in Foreign Exchange Reserves, if the RBI infuses $ 100 billion to capitalize PSBs which would be close to Rs 7, 00, 000 Crore it could help transmission of interest rate cuts and credit take-off...


NBFCs would also be benefitted due to credit flows... Liquidity is also important for the stockprices... People have also delayed spending in hindsight of Budget announcements...


Internal devaluation pursued by Germany is another model, except China''s external devaluation model which looks inferior when considered from the point of view of domestic real wages which increases in the internal devaluation as inflation goes down... and also reduces the domestic exchange rate and increase exports...


Since, the RBI has set an inflation target of 6% (max side) it has restricted the average movement of prices or inflation in the economy which also means atleast 7% wages and incomes growth would be necessary to sustain real wages/incomes and demand and growth...


Nonetheless, price expectations are the major determinant for investment decisions in the economy... The 6% inflation target binds price expectations at 6% on an average basis... and returns/profits... The inflation in core-manufactured items or CPI has also been restricted at 5-6%... except stockprices...


Both, low CPI and core-CPI tells that price and expectations are low (due to inflation targeting) and people have delayed spending due to lower price and interest rate expectations... Higher inventories and low demand have also resulted in lower price expectation...


To increase demand and spending the govt should try to reinforce higher price expectations, but not so much to reduce demand and growth...


Rate cuts by the RBI could be the appropriate response for lower price expectations..


As some claim... revenue is also dependent on the demand and growth and may increase as the economy bounces back... Lower tax and a big base or scale might be possible going ahead... Taxes also add to competitiveness domestic demand, exports and growth...


The government has reduced the corporate tax rate just like the US, but imposed tax on the buyback of shares... Paul Krugman says companies would increase buyback of shares instead of passing tax benefits to the consumers...


But, INDIA has tried to disincentivise shares buyback... Lower prices to consumers might increase real balances with the public and demand and growth...


INDIA should borrow foreign only in its own currency... dollar denominated foreign debt would increase the demand for dollars, resulting in strong dollar and higher imported inflation... and depreciation in the exchange rate and outflow of dollars...


To attract foreign capital a strong rupee is must... rupee denominated foreign loans would increase demand for rupee...


If people set same buy price, a lowest (low price) to buy and a sell price, a highest (high price) to sell, it is possible to make markets more predictable... All should buy at lowest price and sell at highest price... PEOPLE SHOULD QUOTE SAME PRICES, BUY OR SELL...


Niveshkon ko ek daam par kharidna aur bechna chahiye... nuntam par buy aur adhiktam par sell... demat mein pehle se set kar dein...


Also, the people (investors) who have money need not to worry much because they can always buy more to reduce the average money cost and add to sell capacity in terms of time horizon...


But, equities or shares are also a popular form of getting investable funds by companies... Lower investment in the stock market would mobilise less funds for investment... Budget has discouraged equity investment...


What is the rationale after increasing tax during a slowdown? Slowdown is not the right time to increase tax, it is the fastup or the upcycle, then it would also lengthen the expansion by stabilising expectations... by avoiding exuberance... or too much volatility in prices on the either side...


Higher taxes could lower demand and prices during higher prices... and help stabilise prices... and vice versa...


One cannot directly compare a millionaire in the Rupee in INDIA and that of a millionaire in the Dollar terms in the US... INDIA has less rich than the developed countries... Like poverty defining wealthiness is also difficult... 



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