Why many people in Pheu-Thai party are engrossed only with “Shitcoin Wallet” & “RP reduction” but do not find the other solutions to fixed Thailand economy engines?
May I ask people in Pheu-Thai party 1 question to debate with Me?
Does BOT can help Thailand economy problems that are created by the super structural people with the interest rate policy (RP) reduction?
IMO, even if BOT has reduced RP 25bps from 2.50% to 2.25%, it can not help Thai citizens to get more purchasing power with their pockets because Thai citizens have more fixed interest debt (like credit card, cash express card, personal loan, car & motorcycle leasing) than variable debt (like housing debt, OD, business investment debt) in the household debt issue.
BOT has forced Banks & Non-Banks to reduce credit card, cash express card, & personal loan interest rate that their price’s stocks was dumped like the fallen angels when this policy was activated since the pre-pandemic era (Sep 2019).
Because of the fixed minimum amount of every payments in loan mutual contract, Thai citizens will not have more purchasing power though BOT has cut the RP & Banks has cut their loan rate too.
When the RP is cut & loan rates are reduced, borrowers will not paid less than the minimum amount that is written in loan mutual contract so it will deduct more loan principal and their loan mutual contract will be speedy closed, vice versa, borrowers will not pay any top-up for their payment because it has had buffer amounts in loan payments for the risen up interest rate era.
Maybe, the main victims of the shocking risen up RP are Thai citizens who do not know how to clarify their loan mutual contracts & financial literacy that they had known their ability will be able to cover fully & everlastingly their loan payments.
Thus, Govt. should support only the victims and do not use the one size fit all policy’s style because it will have worse effects if the RP is cut as the “To the Moon” story-line in Thailand inflation rate by THB devaluation because the premium gap between Thailand RP and FED RP is spread widely.
#วันนี้เพื่อไทยโกหกอะไร #ตระบัดสัตย์ #ดอกเบี้ยเงินกู้ #ดิจิมอนออมเล็ต
#Politics #Political #Policy #PheuThai #LoanRate #DigitalWallet
#AnEconStudent #Econ101 #Thailand
Why NESDCs do not talk about the main reason of Thailand economy risks that has had the structural problem, thus it has impacted Thailand household debt & export issues?
NESDCs only said Govt. has done it with every fiscal policy then shall I ask 1 question that why Govt. does not hurry up to submit Thailand budget acts in fiscal year 2024 after We got the broken promise Govt. on last August.
#วันนี้เพื่อไทยโกหกอะไร #ตระบัดสัตย์ #ดิจิมอนออมเล็ต
#Politics #Political #Policy #PheuThai #DigitalWallet
#สภาพัฒน์ #สำนักงานสภาพัฒนาการสังคมและเศรษฐกิจแห่งชาติ
#NESDC #OfficeOfTheEconomicAndSocialCouncil
#AnEconStudent #Econ101
Almost of Thailand independent organizations do not oppose the "Shitcoin Wallet" policy that provide to breakable-income's group in Thailand.
However, they have only opposed the issue that Govt. will only make a policy for Thailand "Oligarchy" benefits and do not care the long-run effect of this policy with Economics lens.
#วันนี้เพื่อไทยโกหกอะไร #ตระบัดสัตย์ #ดิจิมอนออมเล็ต
#Politics #Political #Policy #PheuThai #DigitalWallet
#AnEconStudent #Econ101
Should We have to keep 1 of discriminated legacies of the colonial era as the name prefix in Govt. documents after the main benefit of this thing has gone now? 🧐🏳️⚧️🇹🇭
#LGBTIQA #TransGender #Discrimination #TransRights
#NamePrefix #Policy #Laws #Thailand
I was start with a cup of coffee & checked some result of football matches last night. 🏳️⚧️☕️⚽️
Then, I am going to continue my writing project after NBA all star 2024 lived broadcast has finished. 😅🏀📺
我仍然想想念念 C.罗， 即使 曼联有他的同新前锋一样 R.Højlund。
Even Manchester United has their new striker as R.Højlund, but I am also miss C.Ronaldo.
I congratulate to the new EPL record of the youngest continued goal-scoring match is made by R.Højlund tonight at Bedfordshire against Luton Town and made a victory for Our United supporters.
#MUTD #ManUnited #ManchesterUnited
#GloryGloryManUnited #LUTMAN #EPL
#Soccer #SoccerStr #Football #FootballStr
我才喝一杯的清茶和麻婆豆腐在日本餐馆。
ช่วงนี้ปวดท้องเพราะเครียดบ่อยเลยกินอาหารรสจัดไม่ได้
สุดท้ายเลยหนีไปกินผัดเต้าหู้และจิบชาเขียว เติมพื้นที่ให้กระเพาะสักหน่อย
#TeaStr #PhotoStr
一笑的姑娘之逝去的。
If You said the arrival tax when travelers are coming in Thailand boundary (it is about 10US$ for 1 air passenger & 5US$ for 1 ground or water passenger) is affected the mood of travelers then We can assume that foreign people are not prefer to visit Thailand.
IMO, Govt. should do some hurry up actions to motivate travel's demand to Thailand then We will not only care the effect from the arrival tax that We will use them to recovery Our country resource for Our sustainable economy and We will have travelers for a long long time.
#ArrivalTax #Taxes #Policy #PolicyMaker
#Travel #Thailand #ECON101 #AnEconStudent
Everyone in Pheu-Thai party are weird concept policy makers. Why We should give a reward for lenders who do not evaluate their debt payment ability?
If the savings-cooperatives have reduced their loan rate and do not change another rules then it will motivate to make more debt by new lenders and the inflation rate will rocket to the moon asap.
Nowadays, We have faced corporate bond problem because savings interest rate is lowered than the previous "Tum Yum Kung" era. Thus many people seek to invest in high return assets with their imperfect financial product knowledge for their resistant inflation.
Because of the Pandemic Crisis, many companies do not prepare to deal with the rapid increase interest rate then they can not roll-over their debt and have defaulted that harm many people who want more investment benefit but do not have perfect investment knowledge.
#วันนี้เพื่อไทยโกหกอะไร #ตระบัดสัตย์ #ดอกเบี้ยเงินกู้ #สหกรณ์ออมทรัพย์
#Politics #Political #Policy #PheuThai #LoanRate #SavingsCooperative
#AnEconStudent #Econ101 #Thailand
I've gotten some strange feel that Mahomes will create some miracle moments to get Super Bowl LVIII ring with his team mate.
#SuperBowlLVIII #49ersvsCheifs #KC #SF49
It's only a viral product that will go out with the kite wind in the summer. It's not the product of soft power but it is only 1 of the creative economy products.
The soft power marketing is not the hard ball strategy but it is the curve ball strategy, it like the massive flood that spread all over boundary and no one can not resist it.
The Govt. should make policies to fix the structure that make entrepreneurs have troubled issues in their business operation rather than make only viral marketing campaigns.
#SoftPower #Policy #Marketing #CreativeEconomy
#กางเกงช้าง #กางเกงแมว #กางเกงปลาแรด #มานานุภาพ
#AnEconStudent #Econ101
OK, it's fine. If Your party want to add money and fix the inequality problem with the new financial structure then why Your party have to give only 10k THB to 50M Thai citizens that most of rich people will get it rather than give more than 10k THB to only lower-income level Thai citizens?
PS, it has shown that some people who got PHDs are not smarter than other people who only got Masters, Bachelors, or even non-education but have analysis ability with integrity concepts.
#วันนี้เพื่อไทยโกหกอะไร #ตระบัดสัตย์ #ดิจิมอนออมเล็ต
#Politics #Political #Policy #PheuThai #DigitalWallet
#AnEconStudent #Econ101
Happy CNY2024🐲。
Wish all of Us be happy and safety all of 2024.
#CNY2024 #龙年 #春节 #新年快乐
I've only read my prediction but most of Thai astrologers have predicted Thailand economy will start to rise up in the end of this April.
However, I have not seen the sign of Thailand golden dawn era so I do not sure why most of them have told like the above.
HaHa, it is a Thai management technique style. The land that does not know the word "Compensate" means?
Is it only said "I'm so sorry with this issue" then it will fixed the victims feeling?
#LeakedData #ThailandElderlyDatabase #ManagementTechnique #Politician
#MinistryofSocialDevelopmentandHumanSecurity #MSO #MSociety
It has happened in Thailand, too such as metal industry, fabric industry, out of dated electronics industry.
It is so easy to know the end loan date, she just has to check her loan's contract or call to the bank/ lender's callcenter.
So, this is the fact that most of Thai citizens do not have enough financial literacy.
#InterestRate #Finance #FinancialLiteracy #Loan #HousingLoan #Thailand