តើបញ្ហាប្រជាពលរដ្ឋ គ្មានលទ្ធភាពសងបំណុល ដែលជំពាក់ធនាគារ ត្រូវដោះស្រាយតាមរបៀបយ៉ាងដូចម្តេច?​ / How to tackle the insolvency of indebted poor people?

ចែករំលែក ៖​

០៧ សីហា ២០២០ / 07 August 2020 - English (*) - Français (**)

តើបញ្ហាប្រជាពលរដ្ឋ គ្មានលទ្ធភាពសងបំណុល ដែលជំពាក់ធនាគារ ត្រូវដោះស្រាយតាមរបៀបយ៉ាងដូចម្តេច?

(*) How to resolve the problem of an over-indebted population which can no longer repay its debts to banks and microcredit lenders due to the economic crisis?

In this interview with Voice of America, Sam Rainsy examines the measures taken by banks and microcredit establishments in Cambodia in response to the growing insolvency of their clients who are, for the most part, poor farmers and workers in the clutches of the global economic crisis triggered by COVID-19.

Banks and microfinance lenders are offering their clients three choices. They must choose one to avoid the seizure of property given as security:

1- Only pay interest for a renewable period of six months.

2- If the client can’t manage this, addition of the interest to the capital due.

3- If there is no other possibility, the client must contract a new loan (necessarily for a larger amount as it will include all the unpaid amounts) to replace the old one.

For each of the three choices, if the client does not respect their obligations, the bank or microfinance lender will seize the property given as security. For a poor farmer the loss of a rice field condemns them to begging or the sale of their children to avoid starving to death.

Sam Rainsy condemns the three iniquitous proposals from the banks and microfinance lenders. All restructuring of debts must include a reduction of interest rates. While for years interest rates in the rest of the world have been approaching zero, they have remained extremely high in Cambodia, where they were only capped at 18% in 2017.

In the face of the seemingly irreversible insolvency of many small borrowers who have lost their jobs and revenues due to an economic crisis which has no end in sight, Sam Rainsy calls for partial or total cancellation of their debts. These people were in many cases rashly encouraged to borrow to generate profits for the banks and microfinance lenders in Cambodia over the last 20 years.

_______________________

(**) Comment peut-on résoudre le problème du surendettement de la population qui maintenant ne peut plus rembourser ses dettes envers les banques et établissements de microcrédit à cause de la crise économique?

Dans cette interview avec Voice of America, Sam Rainsy examine les mesures que viennent de prendre les banques et établissements de microcrédit au Cambodge pour répondre à l'insolvabilité croissante de leurs clients qui sont, pour la plupart d'entre eux, de pauvres paysans et ouvriers pris à la gorge par la crise économique mondiale déclenchée par la pandémie du COVID-19.

Les banques et établissements de microcrédit offrent à leurs clients devenus insolvables trois formules parmi lesquelles ils doivent impérativement choisir une s'ils veulent éviter la saisie de leurs biens donnés en gage:
1- Ne payer que les intérêts pendant une période de six mois renouvelable.
2- Si le client n'a même pas de quoi payer les intérêts, additionner ces intérêts au capital dû.
3- Si rien d'autre n'est possible, le client doit contracter un nouveau prêt (d'un montant forcément plus élevé car incluant tous les impayés) en remplacement de l'ancien prêt.

Si pour chacune des trois formules proposées, le client ne respecte pas ses obligations, la banque ou l'établissement de microcrédit saisira ses biens donnés en gage. Pour un pauvre petit paysan, perdre son champ ou sa rizière signifie devenir mendiant ou vendre ses enfants pour ne pas mourir de faim.

Sam Rainsy dénonce les trois propositions des banques et établissements de microcrédit qu'il juge toutes iniques. Selon lui, toute formule de restructuration des dettes doit inclure une réduction des taux d'intérêt. Alors que depuis plusieurs années les taux d'intérêt tendent vers zéro dans le reste du monde, ils ont été et restent toujours très élevés au Cambodge, n'ayant été légalement plafonnés qu'à partir de 2017, à 18%.

Devant l'insolvabilité apparemment irréversible d'innombrables petits emprunteurs qui ont perdu leurs emplois et revenus à cause de la crise économique dont on ne voit pas la fin, Sam Rainsy préconise une annulation partielle ou totale des dettes de ces petits emprunteurs que l'on avait encouragés à emprunter d'une manière parfois inconsidérée et qui ont fait la fortune des banques et établissements de microcrédit cambodgiens au cours de ces vingt dernières années.

ព័ត៌មានថ្មីបំផុត
បទសម្ភាសន៍លោក សម រង្ស៊ី ជាមួយវិទ្យុអាស៊ីសេរី ជុំវិញការវិវត្តន៍ចុងក្រោយ នៃស្ថានការណ៍នយោបាយនៅប្រទេសកម្ពុជា។ / Sam Rainsy interview in Khmer language with Radio Free Asia (RFA) on the latest development of the political situation in Cambodia, Sunday 20 September 2020
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លោក សម រង្ស៊ី ប្តេជ្ញាវិលត្រឡប់ មកប្រទេសកម្ពុជាវិញ ឲ្យទាល់តែបាន / Sam Rainsy is determined to come back to Cambodia in the very near future
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