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ACD Circular No. 12 - Bangladesh Bank

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evsjv‡`k e¨vsK<br />

cÖavb Kvh©vjq<br />

WvKev· bs 325<br />

XvKv<br />

evsjv‡`k<br />

www.bangladeshbank.org.bd<br />

K„wl FY wefvM<br />

(cwjwm kvLv)<br />

09 Ryb, 2010<br />

GwmwW mvK©yjvi bs : <strong>12</strong> ZvwiL t -----------------<br />

26 ˆR¨ô, 1417<br />

cÖavb wbe©vnx/e¨e¯’vcbv cwiPvjK<br />

evsjv‡`‡k Kvh©iZ mKj Zdwmjx e¨vsK<br />

wcÖq g‡nv`q,<br />

jxW e¨vsK c×wZi AvIZvq †Rjv K…wl FY KwgwUi mfvq<br />

†emiKvix I we‡`kx e¨vsKmg~‡ni cÖwZwbwaZ¡ cÖm‡½|<br />

gvV ch©v‡q K…wl/cjøx FY Kvh©µ‡gi mdj ev¯Íevqb I mgš^‡qi D‡Ï‡k¨ jxW e¨vsK c×wZi AvIZvq †Rjv K…wl<br />

FY KwgwU Kvh©Ki f~wgKv cvjb K‡i Avm‡Q| G c×wZi AvIZvq †Kvb& BDwbq‡b †Kvb& ivóªxq gvwjKvbvaxb evwYwR¨K ev<br />

we‡klvwqZ e¨vsK kvLv K…wl FY weZiY Ki‡e Zv wbw`©ó K‡i †`qv Av‡Q| cvkvcvwk ¯’vbxq ch©v‡q K…wl/cjøx FY weZiY I<br />

Av`vq Kvh©µg Z`viKx Ges mgš^†qi D‡Ï‡k¨ ¯’vbxq cÖkvm‡bi mnvqZvq ivóªxq gvwjKvbvaxb evwYwR¨K I we‡klvwqZ<br />

e¨vsKmg~n Ges K…wli mv‡_ mswkøó Kg©KZ©v‡`i wb‡q K…wl FY KwgwU MVb I mfv Abyôv‡bi gva¨‡g GKwU Kvh©Ki e¨e¯’vI<br />

GB c×wZi AvIZvq Pvjy Av‡Q| cÖ‡Z¨K †Rjvi †Rjv cÖkvmK n‡”Qb mswkøó †Rjvi K…wl FY KwgwUi mfvcwZ Ges cÖ‡Z¨K<br />

†Rjvq mywbw`©ó GKwU e¨vsK jxW e¨vsK wnmv‡e ¯^ ¯^ †Rjvi K…wl FY KwgwUi mvwPweK `vwqZ¡ cvjb K‡i _v‡K| †Rjv K…wl<br />

FY KwgwU gvwmK wfwˇZ mfv Abyôv‡bi gva¨‡g ¯^-¯^ †Rjvi K…wl/cjøx FY msµvšÍ Z`viKx Ges mgš^†qi Kvh©µg<br />

cwiPvjbv K‡i _v‡K|<br />

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eva¨Zvg~jK nIqvq jxW e¨vsK c×wZi AvIZvq ‡h BDwbqb †h e¨vsK kvLvi AbyK~‡j eivÏK…Z †mB e¨vsK kvLv n‡Z<br />

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Ki‡Q|<br />

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†bB| we‡`kx e¨vsKmg~‡ni kvLv ‡bUIqvK© AviI mxwgZ| eZ©gv‡b †emiKvix I we‡`kx e¨vsKmg~n Zv‡`i kvLvi gva¨‡g<br />

Ges/A_ev gvB‡µv‡µwWU †i¸‡jUix A_wiwUi Aby‡gv`bcÖvß ÿz`ª FY cÖwZôvb (MFIs) mg~‡ni mv‡_ cvU©bviwk‡ci gva¨‡g<br />

K…wl/cjøx FY weZiY Ki‡Q| AvMvgx‡Z K…wl/cjøx FY weZiY Kvh©µ‡g †emiKvix I we‡`kx e¨vsKmg~‡ni AskMÖn‡Yi e¨vwß<br />

AviI evo‡e e‡j aviYv Kiv hvq|<br />

mKj e¨vs‡Ki AskMÖn‡Y K…wl FY Kvh©µg cwiPvwjZ nIqvi eZ©gvb †cÖÿvc‡U K…wl FY Kvh©µg‡K AviI mgwš^Z<br />

I Kvh©Ki Kivi j‡ÿ¨ ‡Rjv K…wl FY KwgwU‡Z ivóªxq gvwjKvbvaxb evwYwR¨K I we‡klvwqZ e¨vsKmg~‡ni cvkvcvwk<br />

‡emiKvix I we‡`kx e¨vsKg~‡ni cÖwZwbwaZ¡ _vKv cÖ‡qvRb|<br />

(cieZ©x c„ôvq `ªóe¨)


(c~e©eZ©x c„ôvi ci)<br />

GgZve¯’vq, jxW e¨vsK c×wZi jÿ¨, D‡Ïk¨ Ges we`¨gvb KvVv‡gvi Ab¨vb¨ mKj w`K AcwiewZ©Z †i‡L †Rjv<br />

K…wl FY KwgwU‡Z †emiKvix I we‡`kx e¨vsKmg~‡ni cÖwZwbwa†Z¡i wel‡q wm×všÍ M„nxZ n‡q‡Q hv wb‡gœv³fv‡e Kvh©Ki<br />

n‡et-<br />

†Kv‡bv †Rjvq mswkøó<br />

†emiKvix I we‡`kx<br />

e¨vs‡Ki kvLvi Ae¯’v<br />

K mswkøó †Rjvq<br />

‡h e¨vs‡Ki<br />

kvLv i‡q‡Q<br />

L mswkøó †Rjvq ‡h<br />

e¨vs‡Ki †Kv‡bv<br />

kvLv ‡bB<br />

D³ †Rjvq mswkøó †emiKvix I we‡`kx<br />

e¨vs‡Ki K…wl/cjøx FY weZiY Kvh©µ‡g<br />

AskMÖn‡Yi Ae¯’v<br />

mswkøó †Rjvq ïaygvÎ wbR¯^ kvLvi<br />

gva¨‡g K…wl/cjøx FY Kvh©µg cwiPvjbv<br />

Kiv nq|<br />

wbR¯^ kvLvi cvkvcvwk e¨vsKwUi<br />

D‡`¨v‡M Credit Wholesaling Gi<br />

AvIZvq ÿz`ª FY cÖwZôvb (MFIs)Gi<br />

mv‡_ cvU©bviwk‡ci gva¨‡gI mswkøó<br />

†Rjvq K…wl/cjøx FY weZiY Kiv nq|<br />

wbR¯^ kvLvi gva¨‡g mswkøó †Rjvq<br />

K…wl/cjøx FY weZiY Kiv nq bv Z‡e,<br />

e¨vsKwUi D‡`¨v‡M Credit<br />

Wholesaling Gi AvIZvq ÿz`ª FY<br />

cÖwZôvb (MFIs)-Gi mv‡_<br />

cvU©bviwk‡ci gva¨‡g mswkøó †Rjvq<br />

K…wl/cjøx FY weZiY Kiv nq|<br />

mswkøó †Rjvq wbR¯^ kvLv bv _vK‡jI<br />

e¨vsKwUi D‡`¨v‡M Credit<br />

Wholesaling Gi AvIZvq ÿz`ª FY<br />

cÖwZôvb (MFIs)-Gi mv‡_<br />

cvU©bviwk‡ci gva¨‡g mswkøó †Rjvq<br />

K…wl/cjøx FY weZiY Kiv nq|<br />

D³ †Rjvi K…wl FY KwgwU‡Z mswkøó<br />

†emiKvix I we‡`kx e¨vs‡Ki cÖwZwbwaZ¡<br />

mswkøó ‡Rjvq e¨vs†Ki kvLv/‡Rv‡bi cÖavb<br />

D³ †Rjvi Ô‡Rjv K…wl FY KwgwUÕ‡Z<br />

cÖwZwbwaZ¡ Ki‡eb|<br />

mswkøó ‡Rjvq e¨vs†Ki kvLv/‡Rv‡bi cÖavb<br />

wbR¯^ kvLv/†Rv‡bi cvkvcvwk D³ †Rjvq<br />

MFIs cvU©bviwkc mswkøó K…wl/cjøx F†Yi<br />

Z_¨mn Ô‡Rjv K…wl FY KwgwUÕ‡Z cÖwZwbwaZ¡<br />

Ki‡eb|<br />

mswkøó ‡Rjvq e¨vs†Ki kvLv/‡Rv‡bi cÖavb<br />

D³ †Rjvq MFIs cvU©bviwkc mswkøó<br />

K…wl/cjøx F†Yi Z_¨mn Ô‡Rjv K…wl FY<br />

KwgwUÕ‡Z cÖwZwbwaZ¡ Ki‡eb|<br />

e¨vsK KZ© „K g‡bvbxZ mswkøó ÿz`ª FY<br />

cÖwZôvb (MFIs)‐Gi ¯’vbxq mgš^qKvix<br />

e¨vsKwUi c‡ÿ Ô‡Rjv K…wl FY KwgwUÕ‡Z<br />

cÖwZwbwaZ¡ Ki‡eb|<br />

mswkøó †emiKvix I we‡`kx e¨vsKmg~n cÖ‡Z¨K †Rjvi Ô†Rjv K…wl FY KwgwUÕ‡Z Zv‡`i cÖwZwbwaZ¡ wbwðZKi‡Yi<br />

D‡Ï‡k¨ Dc‡iv³ wb‡`©kbvi Av‡jv‡K Dchy³ cÖwZwbwa g‡bvbxZ K‡i mswkøó jxW e¨vsKmg~n (‡RjvIqvix jxW e¨vs‡Ki<br />

ZvwjKv mshy³)-†K Rvwb‡q Zv AÎ wefvM‡K AewnZ Ki‡e|<br />

mshyw³ t 01 (GK)<br />

Dc‡iv³ wb‡`©k 2010-2011 A_©eQ‡ii ïiæ A_©vr 01 RyjvB 2010 ZvwiL †_‡K Kvh©Ki n‡e|<br />

AbyMÖnc~e©K cÖvw߯^xKvi Ki‡eb |<br />

Avcbv‡`i wek¦¯Í,<br />

(Gm, Gg, gwbiæ¾vgvb)<br />

gnve¨e¯’vcK<br />

‡dvb bs-7<strong>12</strong>094


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