evsjv‡`k Dbœq b mgx¶v - BIDS
evsjv‡`k Dbœq b mgx¶v - BIDS evsjv‡`k Dbœq b mgx¶v - BIDS
120evsjv‡`k Dbœqb mgxvwe‡klvwqZ e¨vsK Ges we‡kl Kg©m~wPi gva¨‡g FY cÖ`v‡bi e¨e¯’v MÖnYmy›`ie‡bi m¤ú` msMÖnKvix‡`i Rb¨ we‡klvwqZ e¨vsK cÖwZôvi gva¨‡g z`ª FY mieivnAvq AmgZv I `vwi`ª¨ wbim‡b D‡j−L‡hvM¨ f~wgKv ivL‡Z cv‡i| K„wl FY, eM©vPvlx FY GesGmGgB F‡Yi g‡Zv wKQy we‡kl e¨e¯’vi gva¨‡g F‡Yi e¨e¯’v Kiv †h‡Z cv‡i| †K›`ªxq e¨vsKG‡‡Î D‡`¨vM wb‡Z cv‡i| 19†mevg~jK ms¯’v Ges Avw_©K myweavK…wl Ges wk‡íi g‡Zv my›`ieb msiwZ ebvÂj (SRF) †K Avjv`v A_©‰bwZK LvZ wnmv‡ewe‡ePbv Kiv cÖ‡qvRb, †Kbbv 9 jvL †jvK Gi mv‡_ cÖZ¨ ev c‡ivfv‡e RwoZ| wKQymiKvwi Ges e¨w³ gvwjKvbvaxb e¨vs‡Ki gva¨‡g mnR k‡Z© cÖ‡qvRb gvwdK eÜwK (collateral)wenxb FY cÖ`v‡bi bxwZ cÖYqb Kiv cÖ‡qvRb| †bŠKv Ges Rvj‡K eÜK wn‡m‡e MÖnY Kivie¨e¯’v K‡i gnvRb ev Ab¨vb¨ †ckvRxwe‡`i FY cÖ`v‡bi gva¨‡g DrmvwnZ Kiv †h‡Z cv‡i, hvAvq AmgZv ms‡KvP‡b weivU f~wgKv ivL‡e| ZvQvov msMÖnKvix‡`i Rb¨ mvgvwRK wbivcËvejq ˆZwi Ki‡Z e¨vsK¸‡jv‡K †Rviv‡jv f~wgKv ivL‡Z n‡e| Zviv msMÖnKvix‡`i‡K mgqgZ,mnRk‡Z© I cÖ‡qvRbvbymv‡i FY cÖ`vb Ges eb msiY wel‡q cÖ‡qvRbxq civgk© w`‡Z cv‡i|FY cwi‡kv‡a wKw¯—i cwigvY mnbxq n‡Z n‡e hv‡Z PjwZ g~ja‡bi NvUwZ bv c‡o| G e¨vcv‡iGmGgB Gi g‡Zv †K›`ªxq e¨vsK cixvg~jKfv‡e wid¨vBb¨vwÝs w¯‹g Pvjy Ki‡Z cv‡i|m‡ev©cwi my›`ie‡bi m¤ú`-msMÖn mnvqK wewfbœ †mev cÖ`v‡bi Rb¨ GKwU mywbw`©ó bxwZgvjvˆZwi Kiv cÖ‡qvRb|e¨emvi kZ© Ges evRviRvZKiY e¨e¯’vi Dbœqb†`Lv †M‡Q, my›`ieb A‡j `v`b cwi‡kv‡ai wewfbœ ai‡bi e¨e¯’v Pvjy Av‡Q| †hgb mỳmn cwi‡kva (47.6%), webvmy‡` cwi‡kva (4.0%), cÖPwjZ evRvi g~‡j¨ cwi‡kva (16.7%),wKsev evRvi g~‡ji †P‡q Kg g~‡j¨ cwi‡kva (33.3%) BZ¨vw`| AviI †`Lv †M‡Q, msMÖnKvixivZv‡`i msM„nxZ cY¨ evRvi g~‡j¨i †P‡q 22.5 kZvsk K‡g weµq K‡i _v‡K| GB Ae¯’viDbœq‡bi Rb¨ wb‡æv³ wKQy c`‡c mycvwik Kiv n‡jv|†hvMv‡hvM Ges msiY/wW‡cvi myweavAeKvVv‡gvi `yive¯’v, †hvMv‡hv‡Mi Afve, gvÎvwZwi³ msMÖn I cwienb LiP BZ¨vw` Kvi‡YgnvRb ev AvoZ`v‡ii c‡ GK‡PwUqv e¨emv Kiv m¤¢e nq| AwZwi³ hvZvqvZ LiP I`xN©mgq jvfRbK msMÖ‡ni GKwU eo Aš—ivq| GLv‡b hvZvqv‡Zi LiP I mgq Kwg‡q Avqˆelg¨ wKQyUv n‡jI Kgv‡bv †h‡Z cv‡i, we‡kl K‡i grm¨ m¤ú‡`i †‡Î| grm¨ Awa`ßi ¯’vbwbw`©ó K‡i w`‡q wW‡cvi msL¨v e„w× Ki‡Z cv‡i| ¯’vbxq evRvi m„wó Ges wbjv‡gi myweav e„w×i19 AwZ m¤cÖwZ †K›`ªxq e¨vsK K…wl Kg©Kv‡Ê we‡kl K‡i eMv©Pvlx‡`i Rb¨ we‡kl FY myweavi e¨e¯’v K‡i‡Q| †K›`ªxq e¨vs‡KiMfb©‡ii mv‡_ G e¨vcv‡i Av‡jvPbv Kiv n‡j, my›`ie‡bi `wi`ª †ckvRxwe‡`i Rb¨ G ai‡bi z`ª F‡Yi e¨e¯’v Pvjyi wel‡qAvkv cÖKvk K‡i‡Qb|
Bmjvg I Bmjvg: my›`ie‡bi m¤ú` msMÖnKvix I mswk−ó‡`i Avq I Avq ˆelg¨ 121gva¨‡g GKw`‡K ‡hgb hvZvqvZ LiP Kgv‡bv hvq †Zgwb Ab¨w`‡K b¨vh¨ g~j¨ wbwðZ Kiv †h‡Zcv‡i| Rwi‡c AskMÖnYKvix †ewki fvM msMÖnKvix wW‡cv ev Ab¨ ai‡bi Lvjv‡mi Nv‡Ui msL¨ve„w× Kivi mycvwik K‡i‡Q| msMÖnKvix I cÖwµqvRvZKvixi g‡a¨ mgš^‡qi gva¨‡gga¨¯^Ë¡‡fvMxi msL¨v Kgv‡bv †h‡Z cv‡i|msMÖnKvix‡`i `iKlvKwl K‡i †Kbv‡ePvi AwaKvi wbwðZ KiveZ©gvb Rwi‡ci djvdj n‡Z †`Lv †M‡Q, cÖvq 66 kZvsk msMÖnKvixi g‡Z `iKlvKwlK‡i cY¨ weµ‡qi gZv bv _vKvq Zviv mwVK g~j¨ cvq bv| Ab¨w`‡K cÖvq 47 kZvskmsMÖnKvixi g‡Z AvoZ`v‡ii msL¨v Kg _vKvq Zviv GK‡PwUqv AvPiY K‡i, d‡j msMÖnKvixivcÖK…Z g~j¨ †_‡K ewÂZ nq|evRvi`‡ii Z_¨ mieivnmsMÖnKvixiv evRvi m¤ú‡K© m‡PZb bv nIqvq Zv‡`i‡K gnvRb ev AvoZ`vi‡`i Z‡_¨iDci wek¦vm Ki‡Z nq| myZivs cÖK…Z evRvi `i I evRvi m¤úwK©Z wewfbœ Z_¨ Rvbv‡bvi e¨e¯’vKi‡Z n‡e|my›`ieb †ckvRxwe‡`i msMVb/mgevq/mwgwZg~j¨-k„sL‡ji wb‡Pi ¯—‡ii †ckvRxweiv wb‡R‡`i g‡a¨ mgevq ev MÖ“c MV‡bi gva¨‡gDc‡iv³ mgm¨v¸wj `~i K‡i †kvl‡Yi nvZ †_‡K wb‡R‡`i‡K wKQyUv iv Ki‡Z cv‡i| GQvoveo ai‡bi mydj †c‡Z n‡j ‡hŠ_fv‡e m¤ú` msi‡Yi e¨e¯’vI Ki‡Z n‡e| msiY,cÖwµqvRvZKiY Ges mgevq wfwËK msMÖ‡ni gva¨‡g mydj cvIqv †h‡Z cv‡i| G e¨vcv‡imy›`ieb A‡j Kg©iZ K‡qKwU GbwRI †gŠqvj I evIqvjx‡`i msMwVZ Kivi KvR Ki‡Q-G‡‡Î Zviv mydj †c‡Z ïi“ K‡i‡Q| G ai‡bi e¨e¯’vi gva¨‡g msMÖnKvixiv wb‡R‡`i g‡a¨mgš^‡qi gva¨‡g †Kej Zv‡`i Avq e„wׇZB mg nqwb, wb‡R‡`i gZvqb, AvZ¥wek¦vm m„wó,m‡PZbZv e„wׇZI mg n‡q‡Q| †UKmB m¤ú` msMªn I cÖvK…wZK `y‡h©vM †gvKv‡ejvq Gai‡bi e¨e¯’v ‡Rviv‡jv f~wgKv ivL‡Z cv‡i|
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120<strong>evsjv‡`k</strong> <strong>Dbœq</strong>b mgxvwe‡klvwqZ e¨vsK Ges we‡kl Kg©m~wPi gva¨‡g FY cÖ`v‡bi e¨e¯’v MÖnYmy›`ie‡bi m¤ú` msMÖnKvix‡`i Rb¨ we‡klvwqZ e¨vsK cÖwZôvi gva¨‡g z`ª FY mieivnAvq AmgZv I `vwi`ª¨ wbim‡b D‡j−L‡hvM¨ f~wgKv ivL‡Z cv‡i| K„wl FY, eM©vPvlx FY GesGmGgB F‡Yi g‡Zv wKQy we‡kl e¨e¯’vi gva¨‡g F‡Yi e¨e¯’v Kiv †h‡Z cv‡i| †K›`ªxq e¨vsKG‡‡Î D‡`¨vM wb‡Z cv‡i| 19†mevg~jK ms¯’v Ges Avw_©K myweavK…wl Ges wk‡íi g‡Zv my›`ieb msiwZ ebvÂj (SRF) †K Avjv`v A_©‰bwZK LvZ wnmv‡ewe‡ePbv Kiv cÖ‡qvRb, †Kbbv 9 jvL †jvK Gi mv‡_ cÖZ¨ ev c‡ivfv‡e RwoZ| wKQymiKvwi Ges e¨w³ gvwjKvbvaxb e¨vs‡Ki gva¨‡g mnR k‡Z© cÖ‡qvRb gvwdK eÜwK (collateral)wenxb FY cÖ`v‡bi bxwZ cÖYqb Kiv cÖ‡qvRb| †bŠKv Ges Rvj‡K eÜK wn‡m‡e MÖnY Kivie¨e¯’v K‡i gnvRb ev Ab¨vb¨ †ckvRxwe‡`i FY cÖ`v‡bi gva¨‡g DrmvwnZ Kiv †h‡Z cv‡i, hvAvq AmgZv ms‡KvP‡b weivU f~wgKv ivL‡e| ZvQvov msMÖnKvix‡`i Rb¨ mvgvwRK wbivcËvejq ˆZwi Ki‡Z e¨vsK¸‡jv‡K †Rviv‡jv f~wgKv ivL‡Z n‡e| Zviv msMÖnKvix‡`i‡K mgqgZ,mnRk‡Z© I cÖ‡qvRbvbymv‡i FY cÖ`vb Ges eb msiY wel‡q cÖ‡qvRbxq civgk© w`‡Z cv‡i|FY cwi‡kv‡a wKw¯—i cwigvY mnbxq n‡Z n‡e hv‡Z PjwZ g~ja‡bi NvUwZ bv c‡o| G e¨vcv‡iGmGgB Gi g‡Zv †K›`ªxq e¨vsK cixvg~jKfv‡e wid¨vBb¨vwÝs w¯‹g Pvjy Ki‡Z cv‡i|m‡ev©cwi my›`ie‡bi m¤ú`-msMÖn mnvqK wewfbœ †mev cÖ`v‡bi Rb¨ GKwU mywbw`©ó bxwZgvjvˆZwi Kiv cÖ‡qvRb|e¨emvi kZ© Ges evRviRvZKiY e¨e¯’vi <strong>Dbœq</strong>b†`Lv †M‡Q, my›`ieb A‡j `v`b cwi‡kv‡ai wewfbœ ai‡bi e¨e¯’v Pvjy Av‡Q| †hgb mỳmn cwi‡kva (47.6%), webvmy‡` cwi‡kva (4.0%), cÖPwjZ evRvi g~‡j¨ cwi‡kva (16.7%),wKsev evRvi g~‡ji †P‡q Kg g~‡j¨ cwi‡kva (33.3%) BZ¨vw`| AviI †`Lv †M‡Q, msMÖnKvixivZv‡`i msM„nxZ cY¨ evRvi g~‡j¨i †P‡q 22.5 kZvsk K‡g weµq K‡i _v‡K| GB Ae¯’vi<strong>Dbœq</strong>‡bi Rb¨ wb‡æv³ wKQy c`‡c mycvwik Kiv n‡jv|†hvMv‡hvM Ges msiY/wW‡cvi myweavAeKvVv‡gvi `yive¯’v, †hvMv‡hv‡Mi Afve, gvÎvwZwi³ msMÖn I cwienb LiP BZ¨vw` Kvi‡YgnvRb ev AvoZ`v‡ii c‡ GK‡PwUqv e¨emv Kiv m¤¢e nq| AwZwi³ hvZvqvZ LiP I`xN©mgq jvfRbK msMÖ‡ni GKwU eo Aš—ivq| GLv‡b hvZvqv‡Zi LiP I mgq Kwg‡q Avqˆelg¨ wKQyUv n‡jI Kgv‡bv †h‡Z cv‡i, we‡kl K‡i grm¨ m¤ú‡`i †‡Î| grm¨ Awa`ßi ¯’vbwbw`©ó K‡i w`‡q wW‡cvi msL¨v e„w× Ki‡Z cv‡i| ¯’vbxq evRvi m„wó Ges wbjv‡gi myweav e„w×i19 AwZ m¤cÖwZ †K›`ªxq e¨vsK K…wl Kg©Kv‡Ê we‡kl K‡i eMv©Pvlx‡`i Rb¨ we‡kl FY myweavi e¨e¯’v K‡i‡Q| †K›`ªxq e¨vs‡KiMfb©‡ii mv‡_ G e¨vcv‡i Av‡jvPbv Kiv n‡j, my›`ie‡bi `wi`ª †ckvRxwe‡`i Rb¨ G ai‡bi z`ª F‡Yi e¨e¯’v Pvjyi wel‡qAvkv cÖKvk K‡i‡Qb|