Monday, October 7, 2019

Slowdown and Policy Transmission to Demand and Growth...



Low inflation and interest rate are the right time to invest, when the cost is low and as the firms would invest that could increase demand and price and expectations, but high inflation and price are time to increase supply… if everybody does the same that could help stabilise prices and interest rate and expectations...


Nonetheless, lower prices and interest rate expectations could reinforce lower prices and interest rate and expectations... Lower price and interest rate expectations could delay demand and spending and increase supply further lowering price/interest rate and expectations, but higher price and interest rate expectations would delay supply and increase demand further increasing prices/interest rate and expectations...


The market has still space to climb further as it is lower than the past peak... Stimulative commentary from FM could further increase the investment in the stocks... Correction expectations could be self fulfilling because people would hold buying which could increase offer/supply... Lower price expectations increase offer or supply of stocks which further lower prices...


Too high NPAs have resulted in limited transmission of rate cuts by the RBI by the commercial banks... Though government has recapitlised banks and resolved NPAs though IBC we still have considerable NPAs due to demand slowdown too... If the RBI and Govt use $ 50 billion or Rs 4 Lakh Crores from foreign exchange reserves to recapitalise banks that would help transmission by commercial banks...


Selling $s could increase expectations of higher $ demand by the country in the future which could be avoided by communication to deter too much speculation on dollar demand and price expectations... A strong rupee and lower interest rate and higher investment and employment and productivity and lower inflation could increase consumption and investment demand and growth expectations...


Raising foreign money through rupee denominated bonds and investment in infra could create ample jobs for its large unskilled workforce which could sooth the bond market... A strong rupee would increase foreign capital inflows... lower borrowing cost would increase demand supply prices and growth...


Lower inflation and real interest rate expectations mean people could hold spending to reach bottom to increase demand and spending... In INDIA inflation expectations has picked up from the bottom after demonetisation and near the rate cut cycle end could further increase demand and inflation expectations...


Nobody can exactly tell the bottom of real interest rates... But, INDIA has almost reached to the rate cut cycle end which would be cheapest to increase demand and spending which increases price and growth expectations...


Depreciation in the rupee and hardening of bond yields or lower bond prices show that expectations of the two markets are different... Foreign exchange market expects higher money supply demand and inflation and lower exchange rate while the bond markets expects lower money supply and higher bond yields or lower bonds prices...


Expectations affect current prices and growth and the market continuously corrects current and future demand and price and expectations... Many times expectations are already factored in the current price if everybody is thinking or expecting the same, but may correct due to risk or uncertainty or change in expectations, too...


The Corporate Tax Cut must be passed on to the consumers to increase real wages and incomes and demand... Similarly rate cuts must also be passed on to the borrowers to increase demand... Likewise GST too must again be passed to consumers to increase demand... These all together could be a big boost to private consumption and private investment too...

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