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FINANCIAL CHRONICLE™ » DAILY CHRONICLE™ » Who says credit is bad??

Who says credit is bad??

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21Who says credit is bad?? - Page 2 Empty Re: Who says credit is bad?? Sat Dec 03, 2011 11:15 pm

Rajaraam


Vice President - Equity Analytics
Vice President - Equity Analytics
We get credit from our broker for past 6-7 years.However we or the CSE or Broker didn't have any problem untill SEC intervene on credit system . But all of a sudden when SE Cenforced rules some members were unable to settle before the cedue date and heavy force selling started.

They prvide credit at 14%. But from Dec. it will be 15% due to increasing bank interest rates.

22Who says credit is bad?? - Page 2 Empty Re: Who says credit is bad?? Sun Dec 04, 2011 12:00 am

rijayasooriya


Senior Vice President - Equity Analytics
Senior Vice President - Equity Analytics
@Gaja wrote:
@rijayasooriya wrote:Both extremities - no credit and full credit - are bad. Credit should be allowed with proper regulation. There should be a certain period and method to clear the credits but T+3 and T+5 rule should be abolished.

I Started investment in 2002 and those days onwards this T + 3 business is there, and even now i follow it properly. So i didn't see any problem on it.
T+3/T+5 rule is not good for investment.It promotes gambling.Inexperience retailor will definitely burn their finger because of this rule and brokers will be benefitted.Investers should be given adequate period to settle their credit or If they are not creditworthy then do not give credit.

23Who says credit is bad?? - Page 2 Empty Re: Who says credit is bad?? Sun Dec 04, 2011 9:17 am

Kithsiri


Senior Vice President - Equity Analytics
Senior Vice President - Equity Analytics
I agree that there should be limits on the Amounts & repayment Times and most importantly assessing each investors Credit worthiness.
Start with a low percentage with a limited repayment period and gradually increase them to sustainable levels (not 300%), according to individuals past track records.

24Who says credit is bad?? - Page 2 Empty Re: Who says credit is bad?? Sun Dec 04, 2011 11:27 am

insidertrader


Manager - Equity Analytics
Manager - Equity Analytics
When I took the housing loan, the bank came and checked the property. I had put it as mortgage, so if I cannot pay the credit they will take the property and sell it recover the credit. I had to get approval of the plan and if it cannot change from the plan. I had to go to a medical test at a place given by the bank. I had to take life insurance. And so on. Why all these things?

Imagine brokers giving housing loans. Wouldn't that be great? Very Happy

I guess Sri Lankan stock investors don't have electricity, water or telephones at home. If they have, they wouldn't have paid the bill after 2 weeks or whatever and the electricity board etc. would have cut off the services. And then Sri Lankan investor would be blaming the electricity board, water board, phone company why they force cut the services. Very Happy

25Who says credit is bad?? - Page 2 Empty Re: Who says credit is bad?? Sun Dec 04, 2011 11:32 am

bakapandithaya


Vice President - Equity Analytics
Vice President - Equity Analytics
We can use credit for panic stocks in short term

26Who says credit is bad?? - Page 2 Empty Re: Who says credit is bad?? Sun Dec 04, 2011 7:27 pm

mark

mark
Expert
Expert
credit is not bad in a bull run,but it will be a disaster if you use it in bear.......so please dont buy in credit in these days,it will be a horrible experience if mkt slumps.

27Who says credit is bad?? - Page 2 Empty Re: Who says credit is bad?? Sun Dec 04, 2011 11:23 pm

Rajaraam


Vice President - Equity Analytics
Vice President - Equity Analytics
@Rajaraam wrote:We get credit from our broker for past 6-7 years.However we or the CSE or Broker didn't have any problem untill SEC intervene on credit system . But all of a sudden when SE enforced rules, some members were unable to settle before the due date and heavy force selling w as started.

They prvide credit at 14%. But from Dec. it will be 15% due to increasing bank interest rates.

28Who says credit is bad?? - Page 2 Empty Re: Who says credit is bad?? Sun Dec 04, 2011 11:25 pm

Rajaraam


Vice President - Equity Analytics
Vice President - Equity Analytics
@Rajaraam wrote:We get credit from our broker for past 6-7 years.However we or the CSE or Broker didn't have any problem untill SEC intervene on credit system . But all of a sudden when SE enforced rules some members were unable to settle before the due date and therefore heavy force selling was started according to new rules..

They prvide credit at 14%. But from Dec. it will be 15% due to increasing bank interest rates.

29Who says credit is bad?? - Page 2 Empty Re: Who says credit is bad?? Mon Dec 05, 2011 9:58 am

Soundchips


Senior Manager - Equity Analytics
Senior Manager - Equity Analytics
@Kithsiri wrote:None says it is bad but all agrees that too much of it is extremely harmful.


Stocks will be green again...at least when it comes to a state no more credit is left to clear market needs to pick up again. soon expect green....upward trend soon..

30Who says credit is bad?? - Page 2 Empty Re: Who says credit is bad?? Mon Dec 05, 2011 10:21 am

kam2011


Senior Manager - Equity Analytics
Senior Manager - Equity Analytics
@Soundchips wrote:
@Kithsiri wrote:None says it is bad but all agrees that too much of it is extremely harmful.


Stocks will be green again...at least when it comes to a state no more credit is left to clear market needs to pick up again. soon expect green....upward trend soon..

CSE will never perform as in 2010 again unless prevailing issues are solved. We will have to face severe drop(another crash)soon unless present issues are addressed quickly and ASI could be dropped to 4000 -4500 level coz every body is trying to sell and get the money out.If we could not see any attempt by the authority early ppl do not willing to stay in this business(small,medium and also large including institutional investors)since they have many other investment opportunities. If the authorities take quick steady action to resolve the current issues ASI has a chance to increase around 6500-6800 level within few weeks and that will go further up slowly.

31Who says credit is bad?? - Page 2 Empty Re: Who says credit is bad?? Tue Aug 05, 2014 2:07 pm

Sstar

Sstar
Vice President - Equity Analytics
Vice President - Equity Analytics
This is an interesting article for those who are engaged in Margin Trading in current market.

32Who says credit is bad?? - Page 2 Empty Re: Who says credit is bad?? Tue Aug 05, 2014 10:24 pm

Eng Krishantha

Eng Krishantha
Expert
Expert
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