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d"No ?= &
sf}zn e/fO{
sf7df8f}+ sfd rnfpsf] x}l;otdf
/xg'ePsf k|wfgdGqL afa'/fd e/fO{n]
/fli6o ;xdlt sfod u/L cl3 a9\g] /6fg
nufpg g5f8] klg ;xdlt aGg]
jftfj/0f;Dd agfpg ;Sg'ePsf] 5}g .
@)^* h]7 !$ ut] ;+ljwfg;efnfO{ lj36g
u/fO{ cfkm\gf] ;Qfsf] cfo" nDAofpg] ;f]r
agfpg'ePsf e/fO{sf kl5Nnf ultljlwn]
;xdltnfO{ emg} 6f9f ws]Ng] sfo{ dfq ub{}
cfPsf] 5 .
cfkm\gf] ;/sf/sf] cfo" dfq nDAofpg]
Ps ;"qLo ;f]rsf ;fy cl3 a9]sf] :ki6
;+st] kfPkl5 /fi6klt 8f= /fdj/0f ofbjn]
k|wfgdGqL e/fO{nfO{ ;xdlt lnP/ dfq
cl3 a9\g lgb{z
] g lbg'ePsf] lyof] . cfkm\gf]
g]tT[ jsf] ;/sf/nfO{ sfo{sf/L clwsf/ k|fKt
;/sf/sf] ;+1f lbO{ dgnfuL ?kdf rnfpg]
vfnsf ultljlw /f]Sg /fi6klt ofbjn]
;/sf/ sfd rnfp eO;s] s f] egL
e/fO{nfO{ :d/0f u/fpg'ePsf] lyof] .
/fi6kltn] :d/0f u/fPkl5 sfo{sf/L
clwsf/ k|fKt eGg] wf/0ffaf6 d'Qm eP
klg e/fO{n] s;}sf] ;xdlt glnO{ PstkmL{
s[i0f nD;fn
sf7df8f}+ g]kfnL sfFu;
]| olta]nf af6f]
la/fPsf] ofqL h:tf] cndndf /x]sf] 5 .
gLltut cndn / :ki6 sfo{gLltsf] cefjdf
n/al/Fb} cufl8 al9/x]sf a]nf cfufdL >fj0f
!% / !^ ut] l;Gw'kfNrf]ssf] afx|la;]df
sfFu|];sf lhNnf ;efkltx?sf] e]nf x'g]
ePsf] 5 . ut jif{ o:t} e]nf sfe|]sf]
w'lnv]ndf ;DkGg ePsf] lyof] . afx|la;]df
x'g] a[xt 5nkmndf krxQ/} lhNnfsf
;efkltx?n] efu lng] ePsf 5g\ . pQm
5nkmn sfo{ q mdsf] Joj:yfkg l;Gw'
sfFu;
]| sf ;efklt df]xgaxfb'/ a:g]tn] ug{]
atfOPsf] 5 . 5nkmn sfo{qmddf sfFu;
]| sf
g]tfqo, g]tfx? / s]Gb|Lo ;b:ox?sf]
pkl:ylt /xg] cfof]hs >f]tn] atfPsf] 5 .
pQm sfo{qmddf ;xefuL x'g] g]tfx?nfO{
cbfntk|lt cfqmf]z
u'KtfnfO{ PSofOof
PSofOof]
e=k'=lh=k|=sf=b=g+= &#)^$^%
;xdltn]======
dfcf] j fbLeGbf klg ;zQm ?kdf
/x]sf]n] klg ;Qf?9 dfcf]jfbL lgjf{rgaf6
cfkm" n ] ;f] r ] h :tf] kl/0ffd gcfpg] d f
ljZj:t 5 . o;}u/L ;/sf/df ;fd]n csf{]
7" n f] bn dw] z L hgclwsf/ kmf] / d nf]stflGqs_ df klg ljefhg ePsf] 5 .
ljhos'df/ uR5bf/nfO{ ho dw]z eGb}
z/t\l;+x e08f/Lsf] g]t[Tjdf gofF bn u7g
ePkl5 ;w} + ;/sf/d} /lx/xg rfxg]
uR5bf/sf] t'hs
' 36]sf] 5 . o:t} ;/sf/df
;xefuL nf]stflGqs dw]zL df]rf{sf] bnx?
l5GgleGg cj:yfdf /x]sfn] ;+ljwfg;ef
k' g :yf{ k gf ug{ kfP bnx?df cfPsf]
ljefhgn] sfg' g L dfGotf gkfpg]
dgl:yltdf 5g\ . To;}n] pgLx? ;+ljwfg;ef
k'g:yf{kgfsf kIfdf /xg k'u]sf 5g\ .
oxL sf/0f g]kfnL sfFu|]; / g]skf Pdfn] _ nufotn] ;+ l jwf;efsf]
k'g:yf{kgfnfO{ eGbf lgjf{rgnfO{ hf]8 lbg
k'u]sf 5g\ . ;+ljwfg;efsf] eGbf klg
;+;bLo lgjf{rg u/fpg' plrt x'g] eGg]
kIfdf /x]sf sfFu;
]| / Pdfn]nufotsf bnx?
dfcf]jfbL / dw]zjfbLdf /x]sf] ljefhgsf
sf/0f cfkm\gf] jr{Zj k'gM sfod x'g]df
cfzfjfbL b]lvPsf 5g\ . o:tf] sfOt]
cj:yfsf sf/0f /fhgLltn] ;xL lgsf; lbg
;Sg] b]lv+bg} . bnx?df ;xL ;f]r gcfP;Dd
g]kfnL hgtfn] o:tf] ;s;af6 5'6sf/f
kfpFg] 5fF6 b]lv+b}g .
k|wfgdGqL===
k/L/x]sf e/fO{nfO{ g]skfdfcf]jfbLn]
x6fpgsfnflu cGo /fhgLlts bnx?;Fu
;xsfo{ ug{] lrtjgsf] Ps sfo{qmddf ;lrj
rGbn] atfP . cfkm\g} kf6L{ cWoIf ;d]t
k|=d= e/fO{sf] sfo{z}nL / Jojxf/af6
c;Gt'i6 /x]sf] cj:yfdf g]skfdfcf]jfbLn]
aGb's p7fpg] r]tfjgLnfO{ cy{k"0f{ ?kdf
lnOPsf] ;dfrf/ >f]tn] atfof] .
dWo ======
hf]zL=======
k|x/Ldf====
ab\gfd x'g] ;dfrf/ >f]tn] atfof] .
dfgj clwsf/ pNn\3gsf] cleof]u nfu]sf
JolQmnfO{ a9'jf gu/]/ ;/sf/n] /fd|f] sfdsf]
z'?cft u/]sf] / k|x/Ldf klg o;n] lg/Gt/tf
kfpg] ;dfrf/ >f]tn] atfof] . dfgj clwsf/
pNn\3gsf] lx;fan] /fgf cfO{hL aGg]
;Defjgf t'lxPsf] atfOPsf] 5 . sfg'gL
/fHodf dfgj clwsf/ pNn\3gnfO{ uDeL/
?kdf lnOG5 . To;}u/L 5 hgf PcfO{hLx?
clgjfo{ cjsf; x'Fbf kfFr l8cfO{hLx?sf]
a9'jf lglZrt x'g] ePsf] 5 . 8LcfO{hLaf6
PcfO{ h Ldf a9' j f x' g ] x ?df ! g+ = sf
bLgs/zd;]/ @ g+= sf u+uf kf08], # g+=sf
ljgf]b l;+x, $ g+= sf /d]zljqmd zfx / %
cf}+ gDa/sf k'is/gfy /]UdL 5g\ . logLx?
;a} PcfO{hL gj/fh 9sfnsf] AofrL ePsf]
k|x/L >f]tn] atfof] . Jofr leqsfnfO{
k|fyldstf glbFbf r]g ckm sdf08 ljlu|g] /
jl/i7x?nfO{ k|fldstf glbFbf ;+u7g Wj:t
x'g] ;dfrf/ >f]tsf] syg 5 . o;}aLr
;/sf/L jlsn e} sfd u/L ;s]sf, df:6/ /
aL=Pn= u/]sf 8LcfO{hL u+uf kf08]nfO{
k"j={ =====
cbfntk|
lt=====
jf k|rf/afhL u/fpg] p2]Zon] s'g}
kIfn] cbfntsf] ;xf/f lng gx'g] eGb} b/kL6
u/] / lkmtf{ ul/lbPsf lyP . kqsf/
;Dd]ngdf ;fxn] hg;/f]sf/sf] ljifodf k]z
ePsf] l/6 o;/L cbfntn] g} btf{ gu/L
b/kL6 ul/lb+bf hgtfsf] clwsf/ s'l07t
ePsf] eGb} o; ljifonfO{ cufl8 a9fpg
cfkm" ;~rf/dfWodsf] ;xf/f lng afWo
ePsf] atfP . csL{ cleofgstf{ e'iffnn]
;ef;bx?n] hgtf;Fu u/]sf] k|lta4tf
cg';f/ ;+ljwfglgdf{0f gu/L ;+ljwfg;ef
lj37g u/]/ /fHosf]ifsf] /sdsf] b'?kof]u;Fu}
;do / ;Defjgfdf ;d]t u+eL/ 3ft u/]sf]n]
;f] ljifo e|i6frf/;Fu hf]l8Psf] :ki6 x'Fbf
x'Fb} klg ;jf]{Rr cbfntn] l/6 glnP/
hgtfsf] clwsf/ s'l07t kfg]{ k|of; u/]sf]
bfaL ul/g\ .
d'Vo ;lrjdf======
cf/fsfdf ======
cfon===
u'KtfnfO{====
u+ufnfn ======
sfu;]| n]======
gof ljdz{ *
;RofOPsf]
;dfgtf, :jtGqtf /
Gofosf] nflu cfkm\gf]
clwsf/k|lt ;hu /
;r]t xf]cf}+ .
g]kfn ;/sf/
;"rgf ljefu
k|wfg;Dkfbsk|sfzs M sf}zn e/fO{ -(&%!)#*@#&_, ;Dkfbs M s[i0f nD;fn -(&%!)#!^#@_, k|d'v ;+jfbbftfM sdn km'ofn, sfof{no M dfOtL3/, sf7df8f},+ kmf]gM )!$@@!#)%,
Od]n Mnayabimarsha@gmail.com, nayabimarshaweekly@gmail.com, bimarsha_weekly@yahoo.com d'b0| f M lwDn] ckm;]6 k|;
] , sf7df8f}+ -)!$$$%%@)_
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gof ljdz{ @
cGtjf{tf{
;'efif e
ljrf/
/fhf/fd clwsf/L
gof ljdz{ #
cfly{s ultljlw
hLljsf]kfh{g ;'wf/
cfof]hgf ;f]nv
' D
' a'df
;f]n'v'Da'lhNnfdf pRr kxf8 s[lif Joj;fo tyf hLljsf]kfh{g ;'wf/
cfof]hgf -lxdfnL_ ;'? ePsf] 5 . s[lif tyf ;xsf/L dGqfno kz';j] f ljefu
tyf Pl;ofnL ljsf; a}+ssf] cg'bfg ;xof]udf cfof]hgf ;'? ePsf] xf] .
g]kfnsf pRr kxf8L lhNnfdf s[lifafnL, kz'kfng tyf h8La'6Lsf ljljw
pTkfbgsf] sfd ug]{ s[ifsnfO{ klxnf] k|fyldstfdf /fVg] cfof]hgfn] hgfPsf]
5 . cfof]hgfsf] klxnf] k|fyldstf s[lif ;d"x, ;xsf/L, s[lif Joj;foL
;\3;+:yfnufot lghL If]qsf] ;xsfo{df pRr kxf8df s[lif Joj;fo ljsf;sf
nflu nufgL /xg]5 . To;}u/L cfof]hgfsf] bf];f| ] k|fyldstfcGtu{t lhNnfl:yt
s[lif ljsf; tyf kz';]jf sfof{no, ;]jf s]Gb|, pks]Gb|, cg';Gwfg s]Gb| tyf
ljsf; kmfd{xsf] k"jf{wf/ tyf Ifdtf clej[l4 u/L s[lif Joj;fo ljsf;nfO{
yk ;xof]u k|bfg ug]5
{ . hnjfo' kl/jt{gsf c;/nfO{ Go"gLs/0f ug{ ;xof]u
k' ofpg] , g;{ / L :yfkgf, r/g, h8La' 6 L, au} F r f tyf /] G hNofG8
Joj:yfkg;DaGwL sfo{ / s[ifs Joj;foL / k|fljlwssf] Ifdtf ljsf;sf
sfo{qmdnfO{ klg ;f] cfof]hgfn] nufgL ug]5
{ . s[lif Joj;fo ljsf;sf nflu
;/f]sf/jfnf;Fusf] 5nkmn tyf ljleGg lhNnfdf ;~rflnt sfo{zfnf uf]i7Ldf
cfof]hgf tof/L k|fljlws ;xof]u 6f]nLn] k|fKt u/]sf k[i7kf]if0f tyf ;Nnfxsf
cfwf/df pmg, ofs, lrh, 8]/L, df;', kmnkm"n, tfhf t/sf/L, cfn' aLp,
h8La'6L, jg k}bfj/ / s[lif ko{6g k|fyldstfdf k/]sf j:t'xsf] klg
cfof]hgfsf] k|fyldstfdf kg]{5 . cfof]hgfn] Go"gtd ? @& nfv cf7 xhf/
!@% b]lv clwstd ? b'O{ s/f]8 @@ nfv %) xhf/;Dd cg'bfg k|bfg
ug]{5 . lhNnfleqaf6 ljleGg ;xsf/L tyf s[ifsn] Jofj;flos v]tL tyf
kz'kfngsf nflu k|:tfjgf cfO/x]sf] cfof]hgfsf lhNnf s[lif pBd ljz]if1
lzjhL dxtf]n] atfpg'eof] . g]kfnL sfuh, b"w 8]/L, a]df};dL t/sf/L
v]tL, afv|f, s'v'/f, /]Gaf] 6fp6 df5fkfng, d;nfhGo pBf]u, h8La'6L
k|zf]wg sf/vfgf;DaGwL k|:tfjgf cfPsf] 5 dxtf]n] eGg'eof] . k|fKt
k|:tfjgfnfO{ cfof]hgfsf] Joj:yfkg sfof{no afn'jf6f/ sf7df8f}d
F f k7fpg]
/ pTs[i6 k|:tfjgfnfO{ ls:tfaGbLdf /sd pknAw u/fpg] hfgsf/L klg
dxtf]n] lbg'eof] . cfg} nufgLdf t/sf/L v]tL tyf kmnkm"n / kz'kfng
Joj;fodf bIftf xfl;n u/]sf] eP klg cfly{s cefj e]mln/x]sf s[ifssf
nflu cfof]hgfaf6 /fxt ePsf] ;xsf/L Joj;foL /fO{axfb'/ /fO{n] atfpg'eof] .
xfdLn] s[lif ;xsf/Ldfk{mt w]/} s[ifsnfO{ art ug{] afgL a;fNof}F, t/
s[ifssf] dfu cg';f/sf] C0f eg] pknAw u/fpg ;s]sf lyPgf}F . lxdfnL
cfof]hgfn] pBdL s[ifssf] ;kgf ;fsf/ kf/]sf] 5 /fO{n] eGg'eof] . lhNnfnfO{
;8s oftfoftn] hf]8];Fu} lhNnfleq s[ifsn] cfw'lgs / Jofj;flos kdf
t/sf/L v]tL ug{ yfn]sf 5g\ . emg} lhNnf s[lif ljsf; sfof{no ;f]nv
' D' a'sf
jl/i7 s[lif ljsf; clws[t dLgk|;fb a'9fyf]sL pBdL s[ifssf] 3/cfFugd}
uP/ cfw'lgs / Jofj;flos tl/sfaf6 v]tLkftL nufpg'k5{ eGb} s[ifsnfO{
xf};nf k|bfg u/]kl5 oxfFsf s[ifs kl5Nnf] ;dodf s[lif k];ftk{m cfslif{t ePsf
5g\ . lhNnfsf] ljleGg If]qdf uP/ To; If]qsf] ;d:of / s[lifdf ;Defjgfsf]
vf]hL ub}{ s[ifssf aLrdf 5nkmn u/]kl5 s[ifssf] klg cfw'lgs v]tL k|0ffnLtk{m
cfsif{0f a9]sf] jl/i7 s[lif ljsf; clws[t a'9fyf]sLn] atfpg'eof] .
gof ljdz{ $
cy{
b:tfj]h
k|ltzt, a}s
+ tyf ljQLo ;+:yfx?sf]
s'n lgIf]k kl/rfng !%=! k|ltztn]
j[l4 x'g] k|If]k0f ul/Psf] 5 .
30. l:y/ ljlgdob/ k|0ffnLnfO{
sfod /fVg] ljifonfO{ df}lb|s gLltsf]
cGtl/d nIo (Intermediate
Target) sf] ?kdf lnO{Psf] 5 .
31. a}s
+ tyf ljQLo ;+:yfx?sf]
clws t/ntfsf ;fy} a}s
+ tyf ljQLo
;+ :yfx?af6 lghL If]qdf k|jfx x'g]
shf{nfO{ df}lb|s gLltsf] sfof{Gjog
nIosf] ?kdf clsf/ ul/Psf] 5 .
32. pkef]Qmf d"No ;"rLnfO{ a9L
oyfy{k/s agfpgsf] nflu k|of]u
ul/g] ef/ cBfjlws ug{ kfFrf}+
kfl/jfl/s ah]6 ;j]{If0f cGtu{t
:ynut ;j] { I f0f sfo{ ;DkGg
ul/g]5 .
df} l b| s gLltsf] ;+ r fng
pks/0f
33. v'nf ahf/ sf/f]af/nfO{
df}lb|s gLlt sfof{Gjogsf] k|d'v
pks/0fsf] ?kdf k|of]u ul/g] 5 .
34. a}+sb/n] d'b|f ahf/sf]
k|efjsf/L pks/0fsf] ?kdf sfd ug{
;sf];\ eGg] clek|fon] a}+sb/sf]
k| o f] h g ;d] t v' n fO{ o;nfO{
k'g/kl/eflift ul/Psf] 5 . h;
cg';f/ clGtd C0fbftf ;'ljwf tyf
;'/If0fkqx?sf] l8:sfp06 ug]{ h:tf
k|of]hgsf] nflu a}+s b/ (Bank
Rate) nfu" ug]{ Joj:yf ldnfOPsf]
5 . of] b/ xfnnfO{ * k|ltzt sfod
ul/Psf] 5 . a}+sn] pknAw u/fpg]
:yfoL t/ntf ;'ljwf klg a}+s b/d}
pknAw u/fpg] gofF Aoj:yf ul/Psf]
5.
35. c;n shf{sf] lwtf]df a}+s
tyf ljQLo ;+:yfxnfO{ pknAw
u/fOg] k'g/shf{sf] nflu xfn s[lif /
hnljB'tsf] nflu k'g/shf{b/ ^=%
k|ltzt / tf]lsPsf cGo pTkbgzLn
If]qsf] nflu &=) k|ltzt /x]sf]df
ljBdfg b/nfO{ 36fO{ ^=) sfod
ul/g] 5 . ;fy}, kz'k+IfL tyf dT:o
kfng Joj;fosf nflu a}+s tyf
ljQLo ;+:yfx?af6 k|jfx x'g] shf{sf
nflu ;d]t ^=) k|ltzt Aofhb/df
k'g/shf{ k|bfg ug]{ Joj:yf ul/g]
5 . o:tf] k'g/shf{ cGtu{t k|bfg
ul/g] shf{df u|fxsaf6 (=) k|ltzt
eGbf a9L Aofh c;'n ug{ gkfOg]
Joj:yf ul/g] 5 .
36. U0f pBf]u, 3/]n' tyf ;fgf
pBf] u , lgof{ t d" n s Joj:ffo /
j}b]lzs /f]huf/Lsf] nflu tf]lsPsf
ju{ d f k| j fx ul/g] ljz] i f
k'g/shf{b/x?nfO{ !=% k|ltztdf
oyfjt sfod ul/Psf] 5 . o:tf]
;'ljwfsf] pkof]u clej[l4 u/fpg]
p2]Zon]] k|lqmofut ;/nLs/0f ug's
{ f]
;fy} dlxnf tyf tf]lsPsf] ju{ jf
;d'bfof/f ;+rflnt ;fgf Joj;fodf
;d]t ljz]if k'g/shf{sf] ;'ljwf
pkof]u ug{ kfpg] Joj:yf ul/Psf]
5 . of] ;'ljwf pkof]u ubf{ jfl0fHo
a}s
+ tyf ljQLo ;+:yfx?n] ;DalGwt
u|fxsaf6 $=% k|ltzteGbf a9L
Aofh lng gkfpg] Joj:yf oyfjt
sfod ul/Psf] 5 .
37. ljb]zL d'bf| df pknAw u/fOg]
lgof{t k'g/shf{sf] Aofhb/ k|rlnt
nfOjf]/ b/ (Libor Rate) df
)=@% k|ltzt laGb' yk u/L lgwf{/0f
ug] { Aoj:yfnfO{ lg/Gt/tf lb+ b }
k'g/shf{ pknAw u/fpg] Aoj:yfnfO{
;/nLs/0f ul/Psf] 5 .
38. ljQLo k|0ffnLsf] clws
t/ntfsf] l:yltnfO{ Wofgdf /fvL
rfn" cfly{s jif{sf] cGTo;Dddf
jfl0fHo a}+s, ljsf; a+}s / ljQ
sDkgLx?n] ljkGg ju{ shf cg'kft
qmdzM $=) k|ltzt, #=% k|ltzt /
#=) k|ltzt k'ofpg' kg]{ Joj:yf
ul/Psf] 5 .
39. a}s
+ tyf ljQLo ;+:yfx?n]
/fVg'kg]{ clgjfo{ gub df}Hbft xfn
%=) k|ltzt /x]sf]df ;f] clgjfo{
gub df}HbftnfO{ s ju{sf] nflu
^=) k|ltzt, v ju{sf] nflu %=%
k|ltzt / u ju{sf] nflu %=)
k|ltzt sfod ul/Psf] 5 .
40. j}wflgs t/ntf cg'kft
;DaGwL ljBdfg Joj:yfnfO{
df jfl0fHo a}s
+ x?sf] cltl/Qm ljsf;
a}+s / ljQ sDkgLx?sf] lgIf]knfO{
;d] t ;dfj] z u/L t/ntfsf]
cg'udg tyf k|If]k0f ul/g] 5 .
41. l/kf] / l/e;{ l/kf]
af]nsaf]nsf] clwstd cjlwnfO{ @*
lbg sfod ul/g'sf ;fy} Jffl0fHo a}s
+ ,
ljsf; a}+s / ljQ sDkgLx?aLrsf]
cGt/a}s
+ sf/f]af/ (Interbank
Transaction) sf] cjlw a9Ldf
& lbg dfq sfod x'g] Joj:yf
ul/Psf] 5 .
ljQLo If]q ;'wf/, lgodg tyf
;'kl/j]If0f
42. cfly{s jif{ @)%*%( b]lv
;+rfng x'Fb} cfO/x]sf] ljQLo If]q
;' w f/af6
xfl;n
ePsf
pknAwLx?nfO{ ;'b[9 ub}{ ljQLo
If]qsf] yk ;'wf/sf sfo{qmdx?nfO{
cl3 a9fOg] 5 . o;} qmddf -s_
a}s
+ tyf ljQLo ;+:yfxsf] k"h
F L
;'b[9 ug]{, -v_ a}+s tyf ljQLo
;+ : yfxsf] ;] j f lj:tf/ u/L
;j{;fwf/0fsf] ljQLo ;]jfdf kx'r
F
clea[l4 ug],{ -u_ hf]lvddf cfwfl/t
;'kl/j]If0f k4lt nfu" ug],{ -3_ ;"rgf
k| l jlwdf cfwfl/t ljQLo
sf/f] j f/xsf] lgodg tyf
;'kl/j]If0fsf] nflu k|efjsf/L Joj:yf
ug],{ -_ ljQLo If]q :yfloTjsf] nflu
a}s
+ tyf ljQLo ;+:yfxsf cltl/Qm
ljQLo If] q sf cGo lgofds
lgsfox;Fu cfjZos ;dGjo ug],{
-r_ a}+s tyf ljQLo ;+:yfxsf]
;+:yfut ;'zf;g clea[l4 ug],{ -5_
a}s
+ / / pBdLJoj;foLaLr leGgtf
sfod ug]{, -h_ ljQLo If]q;Fu
;DalGwt P]g lgodx / Ohfht
k|0ffnLnfO{ ;do ;fk]If agfpg] tyf
ljQLo sf/f]jf/nfO{ kf/bzL{
t' N ofpg
Financial
Intelligence ;'b9[ ug]{ / -em_
ljQLo cg' z f;g alnof] kfg] {
nufotsf sfo{ cl3 a9fOg] 5 .
43. cy{tGqdf xfn kof{Kt
t/ntf /x] s f] ;Gbe{ d f o;nfO{
pTkfbgzLnkdf pkof]u x'g] cj:f/
;[hgf ug{ -s_ shf{ lgIf]k cg'kft
nufot ;dli6ut ljj]szLn lgodg
(Macro
Prudential
Regulations) sf pkfoxdf
cfjZos ;dfof] h g ug] { , -v_
cNksfnLg t/ntfnfO{ bL3{sfnLg
pks/0fxdfk{mt k|zf]rg u/L /fli6o
k|fyldstfsf If]qdf nufgL clea[l4
ug{ g]kfn ;/sf/, cGt/f{li6o lgsfo
/ a}+s tyf ljQLo ;+:yfx;Fu
cfjZos ;dGjo u/L :jb]zL d'bf| df
bL3{sfnLg a08 lgisfzgsf] nflu
;xhLs/0f ug's
{ f ;fy} a08sf] bf];f| ]
ahf/ ljsf;sf] nflu kxn ug]{ / u_ shf{ nufgLsf] Jofhb/nfO{ pko'Qm
:t/df /fVg cfwf/Jofhb/ (Base
Rate) cjwf/0ffsf] sfof{Gjog ug]{
Joj:yf ul/g]5 .
44. gofF jfl0fHo a}+s, ljsf;
a} + s / ljQ sDkgLx? vf] N g
Ohfhtkq lbg] sfo{sf]] :yugnfO{
oyfjt sfod /flvPsf] 5 . t/ s[lif,
phf{, ef}lts k"jf{wf/ h:tf /fli6o
k|fyldstfsf If]qdf ;xof]u k'ofpg]
ljz]if k|sl[ tsf ljQLo ;+:yfsf] xsdf
eg] of] Joj:yf nfu" x'g] 5}g .
45. ljQLo kx'r
F Go"g /x]sf
If]qx?df 3 ju{sf] ljQLo ;+:yf
vf]Ng ljz]if k|fyldstf lbOg] 5 .
;fy}, ;a} k|sf/sf ljQLo ;+:yfx?sf]
u|fdL0f If]qdf kx'Fr clej[l4 ug{
;+rfng vr{ sd x'g] df]afOn a+l} s
tyf zfvf/lxt a}ls nufotsf
cfw'lgs k|ljlwsf a}ls ;]jfnfO{
k|f]T;flxt ul/g] 5 .
46. :jb]zL a}s
+ nfO{ ljb]zdf
zfvf vf]Ng / ljb]zL a}+sx?nfO{
b]zleq zfvf vf]Ng lbg] ;DaGwdf
ljBdfg gLlt lgb]z
{ gx?df cfjZos
k'g/fjnf]sg ul/g] 5 .
47 . ljQLo ;+ : yfx?sf]
pkl:ylt sd /x]sf lhNNff tf]sL
afFsL k[i7 % df
gof ljdz{ %
ub}{ nlug] 5 .
ljb]zL ljlgdo Joj:yfkg
77. jfl0fHo a}+sx?n] cfgf]
Ph]G;L a}+sx?df /x]sf] df}Hbftaf6
cfkm\gf] b}lgs t/ntfdf k|lts"n c;/
gkg]{ u/L df}Hbftdf /x]sf] /sdsf]
a9Ldf #) k| l tzt;Dd @ jif] {
cjlw;Ddsf] sn l8kf] l h6,
;l6{l{ kms]6 ckm l8kf]lh6 jf o:t}
cGo Go" g hf] l vd ePsf
pks/0fx?df nufgL ug{ ;Sg]
Joj:yf ldnfO{g] 5 .
78. s'g} kmd{ jf sDkgLn]
kl/jTo{ ljb]zL d'bf| df j:t' tyf ;]jf
cfoft -lnh ;d]t_ ug{sf nflu
cflZ+fs jf k"/} /sd clu|d e'QmfgL
k7fpg'kg]{ ePdf ;f] /sd a/fa/sf]
ljb]zL a}s
+ Uof/]06Lsf cfwf/df To:tf]
;6xL ;'ljwf k|bfg ug]{ Aoj:yf
ldnfO{g] 5 .
79. kl/jTo{ ljb]zL d'bf| cfh{g
ug]{ lgof{t Joj;foLx?nfO{ jfl0fHo
a} + s x?af6 k| b fg ePsf]
Preshipment tyf Postshipment shf{sf] C0f k|bfg
ePsf] lbgdf g} ;DalGwt jfl0fHo
a}+snfO{ k'g/shf{ pknJw u/fpg]
Joj:yf ul/g] 5 .
80. lgof{tstf{nfO{ ljb]zL
d' b | f df k| b fg ug] { ] Preshipment shf{ cfoftstf{ /
lgof{tstf{aLr ePsf] vl/blaqmL
;Demf} t f ;DaGwL sfuhftsf
cfwf/df klg pknJw u/fpg] Joa:yf
ul/g] 5 .
81. ef/t afx] s t] > f]
d' n ' s x?af6 8 f km\ 6 6L=6L=sf]
dfWodaf6 j:t' cfoft ubf{
Psk6sdf a9Ldf cd]l/sL 8n/ @%
xhf/ a/fa/;Dddfq e'QmfgL lbg
kfOg] Joj:yf /x]sf]df ;f] ;LdfnfO{
j[l4 u/L cd]l/sL 8n/ #) xhf/
sfod ul/g] 5 .
82. ljleGg k|of]hgsf] nflu
JolQm tyf ;+ 3 ;+ : yfx?nfO{
tf]lsPsf sfuhftx?sf] cfwf/df
ljb] z L d' b | f sf] sf/f] a f/ ug{
Ohfhtkqk|fKt a}+s tyf ljQLo
;+ : yfx?af6 cd] l /sL 8n/ ^
xhf/;Ddsf] ;6xL ug{ kfpg] Joj:yf
/x]sf]df o:tf] ;6xL ;'ljwfsf] ;Ldf
j[l4 u/L cd]l/sL 8n/ !) xhf/
k'ofOg] 5 .
83. kl/jTo{ ljb]zL d'bf| e'QmfgL
u/L ef/taf6 cfoft ug{ ;lsg]
j:t' x ?sf] ;" r Ldf
cf}lrTotfsf cfwf/df
yk j:t'x? ;dfj]z ub}{
nlug] 5 .
84. ef/tLo pBf]uaf6 ljb]zL
d'b|f e'QmfgL u/L cf}Bf]lus sRrf
kbfy{ cfoft ubf{ sRrf kbfy{
pTkfbssf] Psn cflwsfl/s k|ltlglw
-Sole Agent) dfkm{t ;fdfg
cfoft ug{ ;d]t ljb]zL d'bf| e'QmfgL
lbg ;lsg] Joa:yf ul/g] 5 .
85. ef/taf6 ;fdfg cfoft
ubf{ 9' jfgL vr{ jfktsf] ;6xL
;'ljwf gub ef/tLo ?k}ofFdf pknAw
u/fpg] ljBdfg gLltut Joj:yfdf
;/nLs/0f ul/g] 5 .
86. lghL tyf cf} k rfl/s
tj/n] ljb]z e|d0fdf -ef/t afx]s_
hfg] g]kfnL gful/snfO{ Ps cfly{s
jif{df b'O{ k6s;Dd dfq /fxbfgL
afkt ;6xL ;'ljwf k|bfg ug]{ Joj:yf
/x]sf]df k|lt k6s cd]l/sL 8n/ @
xhf/ % ;o;Dd ;6xL ;'ljwf lbg]
Joj:yf ul/Psf] 5 . t/ ljb]zdf
Joj;fo k|j4{g, Jofkf/ d]nf / Jofkf/
uf]i7Ldf hfg] g]kfnL gful/snfO{
/fxbfgL jfkt k|lt k6s cd]l/sL
8n/ % xhf/;Ddsf] ;6xL ;'ljwf
k|df0fsf cfwf/df k|bfg ug]{ Aoj:yf
ldnfOg] 5 .
87. ljb]zL d'bf| df vftf ePsf
g]kfnL gful/sn] cfkm\gf] vftfdf /x]sf]
ljb]zL d'bf| df}Hbftaf6 k|ltjif{ a9Ldf
cd]l/sL 8n/ % xhf/;Dd cf}lrTosf]
cfwf/df ljb]zL d'bf| df g} pkof]u ug{
kfpg] Joj:yf ul/g] 5 .
88. s'g} JolQm jf ;+:yfn]
ljb]zL d'bf| df pkxf/ jf bfgbftJo
k|fKt u/]df To:tf] d'b|fsf] ;|f]t /
ljj/0f v'nfO{ ljb]zL d'b|fdf vftf
vf]Ng ;lsg] Joa:yf ul/g] 5 .
89. ljb]zLn] g]kfndf /x+bf
b:tfj]h
km];a'saf6
;'ke
| ft e08f/L
ltd|f] w}o{tfsf] afFw 6'6fpg vf]Hof xf]Og ;fg' .
ltd|f] cfFvfdf d"n km'6fpg vf]Hof xf]Og ;fg' .
kl/l:ylt k|lts'n xF'bf ;Dxflng ufx|f] x'g] /}5 .
6fl9g ltd|f] sdhf]/L h'6fpg vf]Hof xf]Og ;fg' .
dfofdf ljZjf;n] lhT5 ;w}+ eGy]p xf]Og ltdL .
3ft u/L ltd|f] xft 5'6fpg vf]Hof xf]Og ;fg' .
ltd|f] cfsf+Iffsf] kxf8 r'lnb} hfbf ljjz 5' d .
ltdLn] lbPsf] v';L n'6fpg vf]Hof xf]Og ;fg' .
j]b/fh kf}8n
]
sxfF km'N5Gf\ v'zLx?, dgdf rf]6 k/]kl5
?Fbf] /}5 8fnL klg, km"n cf]OnL em/]kl5 ..
s;/L d afFr' oxfF, ;'v kfpFg] cfzf af]sL,
cfkm\gfn] g} lhGbuLdf, ljZjf;3ft u/]kl5 ..
5'6\of] ;fy b'O{ cfTdfsf], gbLsf b'O{ lsgf/f em}F ,
lgi7'/Ln] dnfO{ 5nL, PSn} h+3f/ t/]kl5 ..
g/]z e08f/L
kf6{L a}7sdf jf lrof k;ndf
a;df ofqf ubf{ jf k}bn ;8sdf
hf] hxfF e]l6G5 d ;f]lw/x]5'
cfkm\g} 3/ hfFbfhfFb} oL k}tfnf cs:dft\
lsg df]l8G5Gf\ d;fh ;]G6/sf] af6f]lt/
cfkm\g} kf6L{ sfof{no hfFbf klg cfhsn
lsg k'luG5 ;/f;/ ljkIfL bnsf] sfof{no
eoeLt nfU5 lsg cfkm\g} cg'xf/ ;Unf] P]gfdf
/ km'6fP/ lemSg dg nfU5 Ps 6'qmf ;L;f cfkm\gf nflu
tf ls lnP/ lxF8\g ;lsof];\ x/]s lbg vNtLdf / x]g{ ;lsof];\
dg nfu]sf] avt Ps 6'qmf cg'xf/ ;8sdf
hfGg' 5 of] ;a} ;a} s] ldn]sf] 5}g oxfF
lsg rlDsG5 lah'nL ;w}+ ;w}+ oxL 3/sf] w'/Ldf
x]bf{x]b{}sf] P]gf lsg rls{G5 r/Ss
/ b]lvG5 cfkm\g} cg'xf/ b'O{lt/
sxfF ldNb5 o;sf] pQ/ d af/Daf/ ;f]lw/x]5'
xf] sd/]8 d lstfa vf]lh/x]5'
===============================================================
g]kfndf lj=;+= @)^# kl5sf sfdrnfp ;/sf/df o:t} j}dG:otf oL
b'O{ ju{xaLr pTkGg ePsf pbfx/0f 5Gf\ . :j= lul/hfk|;fb sf]O/fnfsf]
sfdrnfp dlGqd08nsf Pshgf dGqLn] cfkm" x6\g] s]xL lbgcl3 Ps
;+:yfgdf dxfk|aGws lgo'Qm ug{ vf]h]kl5 lg0f{o k|lqmofdf ;l/s x'g'knf{
eGg] 8/n] ;lrjx sfof{no cfpg 5f]8] / dGqL cfkm}n] l6Kk0fL p7fO{
;b/ u/]sf] rrf{ To;a]nf ePsf] lyof] . To;kl5sf k|r08sf] sfdrnfp
;/sf/n] afn'jf6f/ 5f8\g] lbg Pshgf dGqLn] ;lrjxnfO{ k'gM cfkm"
dGqL ePdf ltdLxnfO{ a'N8f]h/ nufOlbG5' ;d]t eGg kl5 k/]gGf\ .
dfwjs'df/ g]kfn sfdrnfp ;/sf/sf] g]t[Tj ubf{ sd{rf/Lxn] ;xof]u
gu/]sf] eGg] cf/f]k nufpg] uy{] . ;/sf/df /xg]xdf cfkm\gf c;kmntfx
sd{rf/LtGqdfly yf]k/]/ cfkm" rf]vf] x'g vf]Hg] k|jl[ Q b]lvG5 . cfkm" g]tT[ j
lbg g;Sg] / bf]if hlt cnfO{ lbg' ;kmn /fhgLlt1sf] u'0f x'Fb} xf]Og .
cd]l/sL k"j{/fi6klt Xof/L 6\Dofgn] eg]sf lyP, lhDd]jf/L d]/f] 8]:sdf
/f]lsG5 . pgLaf6 xfd|f k|wfgdGqL / dGqLxn] l;Sg'k5{ .
b'uf{ k'mofn
;w}+ emu8f ul//xg] ef8fjfnn] 3/jfnfnfO{ Ps lbg laxfg lunf;df
b"w lbP5 . p;n] klg 3'6'3'6' lkP5 . clg 5Ss kb{} cln gd| 3/a]6Ln]
;f]w]5, xfd|f] ;w}+ emu8f x'G5 . cfh t laxfg}laxfg} b"wsf] Vjfpg' eof] .
lsg <
ef8fjfnn] eg]5, 3/a]6Laf klg cfh gfuk~rdL xf] . ToxL eP/
laxfg} tkfO{+nfO{ b"w Vf'jfPsf] lg
/fh]z sf]O/fnf
cfdf lbn zf]ef >]i7 k|lt ;fbf/ k|0ffd .
lgM:jfy{ ;]jf / dfof ls k|ltd"lt{ oL cfdfsf] hLjgn] ;fr}F g} dxfslj
nIdL k|;fb b]jsf]6fsf] ofqL sljtf hLjGt agfO{ lbPsf] 5, k|0ffd
xl/j+z cfrfo{
gof ljdz{ ^
bL3{/fh k|;fO{
lbUe| l dt agfpg vf] H b} 5 g\ . .
;+ljwfg;efsf] gfddf g]kfn 8'afFOb}
5 . of] ;+ljwfg;efaf6 ;+ljwfg
aGb}g / ljb]zLsf] bafadf s'g}
;+ljwfg 3f]if0ff ul/P To;nfO{ s;}sf]
;dy{ g /xF b } g . dfcf] j fbL g] t f
af'a/fd / k|r08x? h;f]t;f] u/]/
;+ljwfg 3f]if0f ug]{ / k]n]/ cufl8
a9\g] ;f]rdf 5g\ t/ o;}af6 pgLx?
xf/ vfg] 5g\ / hgsf/afxLdf kg]{
5g\ . lxhf] /fh;+:yf /x]sf] cj:yfdf
rLg, ef/t aLrdf ;'dw'/ ;+aGw
sfod eP/ g]kfn zflGtIf]qsf] ?kdf
;+rflnt lyof] . clxn] g]kfndf
/fhtGq g/xF b f rLgn] cfkm\ g f]
;'/Iffsf] rf;f] /fv]/ g]kfnleq cf
hdfpg nfu]sfn] ef/t / cd]l/sf
8/fPsf 5g\ . rLgsf] a8\bf] k|efjn]
ef/tn] klg cfkm" c;'/lIft aGg]
vt/f b] V g nfu] s f] 5 . oxL
uGhfuf]nsf] df}sf kf/]/ g]kfndf
k|wfgdGqL afa'/fd, k|r08 / dw];L
dGqLx? g]kfnnfO{ lqml:rogs/0f
u/fpg klZrdL b] z x?sf] c?
rnv] n / lyrf] l drf] a9\ 5 .
To;a]nfdf sxfF uP/ ;fj{ef}dg]kfn
vf]Hg] < /fh;+:yfsf] lg/Gt/tf ePsf]
cj:yfdf o;/L g]kfndf ljb]zL
rnv]n a9\b}g . g]kfnsf] ;'/Iffsf]
kx/]bf/ ;+:yf g}+ /x]5 eGg] s'/f clxn]
;a} s f] ;fd" :ki6 ePsf] 5 .
ljb]zLx?n] of] e"lddf bfO{F ug]{ h'g
w[i6tf u/] ca ltgLx?nfO{ vf]hLvf]hL
nv]6\g' kb{5 . o;/L ljb]zLx?sf]
;dy{gdf lx8\g' eg]sf] g]kfnleq}
g]kfnLx? z/0ffyL{ aGg' xf] .
ljb]zLx?sf] vt/gfs rfn b]v/]
;+o'Qm /fi6 ;+3sf] ultljlwaf6 klg
xfdL ;z+lst ag]sf 5f}+ . o"=Pg\=sf
dfgjclwsf/ ;+:yf tyf cgdLgsf
k|ltlglwx?n] g]kfnnfO{ km;fpg] dfq
sfd u/] . pgLx?sf] Ps dfq rf;f]
xf] g]kfnnfO{ lqml:rogs/0f ug{
dfcf]jfbLnfO{ psf:g] / lk|m ltAatsf]
gfddf rLg 6'So|fpg] . ef/tsf]
e|d0fsf] a]nf, @)^( a}zfv !% ut]
cd]l/sL rf;f]df lx+8b\ } cfPsf ;+oQ
' m
/fi6 ;+3sf dxf;lrj jfgsL d'gn]
g]kfnk|lt x]kfxf b[li6sf]0f /fv]/ g]kfn
dfly ef/tn] u/] s f x:tIf] k sf]
;dy{g ub}{ cem g]kfndf zflGt
:yfkgf / ;+ljwfg lgdf{0fdf ef/t
;lqmo agf];\ eGb} Pp6f ;fj{ef}d
/fi6 dfly cfqmds eP/ af]n]sf]df
xfdL pgsf] lgGbf u5f}+ . o:tf]
x:tIf]k"0f{ bafanfO{ g]kfnL hgtf
dfGb}gg\ . ljb]zLx?n] of] a'em"g ls
g]kfnsf] ;Gbe{df /fh;+:yf g]kfnsf]
Pstfsf] d]cf] xf] . /f0ffx?n] klg of]
a'em]/ /fhfnfO{ vf]kLdf /fv]/ klg
b]z arfPsf lyP . /fh;+:yfsf
sf/0fn] xfdL ;fj{ef}d g]kfnL x'g
kfPsf]df uf}/j 7fG5f}+ . dfcf]jfbLsf]
b]zeQm v]dfn] klg ;fj{ef}d g]kfn
rxfG5 eg] of] ;TonfO{ c+lusf/ ug'{
k5{ . rLgsf g]tf dfcf]T;]t' ;d]tn]
cfkm\gf] ;'/Iff / g]kfnsf] enfO{sfnflu
;fd|fHojfb;Fu le8\g;Sg] g]kfnsf]
/fh;+:yfk|lt ;+Ddfg uy]{ . ctM ca
dfcf]jfbLsf] df]xg j}Bsf] /fi6jfbL ;d"x
nufot xfdL ;a} kf6L{leq / aflx/sf
b]zeQmx?n] u/]sf uNtLx?af6 kf7
l;s]/ ;fj{ef}d g]kfnsf] k|lti7f a9fpg
/fhfsf] pkl:yltdf @)$& ;fnsf]
;+ljwfgdf 6]s/] /fi6 arfpg xfdL ;a}
;dlk{t xf}cf}+ .
cGt/f{li6o
ef/tsf gof
/fi6kltf/f ;kyu|x0f
ef/tsf k"jc
{ y{dGqL k|0fj d'vhL{n] Ps eJo ;df/f]xaLr a'waf/ ef/tsf]
/fi6klt kbsf] ;kyu|x0f ub}{ ul/aLsf] 8/nfUbf] ;d:of ;dfwfg ug{ cfXjfg
ug'{eof] . ef/tdf /fi6klt kbnfO{ d'Vokdf cf}krfl/s kbsf] kdf
lnOG5 t/ klg /fi6klt d'vhL{n] ef/tnfO{ xfn}sf cfly{s ljsf;aLr kl5
k/]sf s/f]8f}F ul/a hgtfsf] afwf x6fpg] s'/fnfO{ k|fyldstf lbg cfu|x
ug'{eof] . 5oxQ/ jifL{o d'vhL{ ;kyu|x0f ;df/f]xdf 3f]8r8Lsf] ;d"xaLr
cfOk'Ug'eof] / pxfFnfO{ ;]gfn] ;Ddfg k|bfg uof] . PSsfO; tf]ksf] ;nfdL
k|fKt ug'{ePkl5 d'vhL{n] ;f+;bxnfO{ ;Daf]wg ub}{ cfw'lgs ef/tsf]
zAbsf]zaf6 ul/aL eGg] zAb d]6fpg cfu|x ug'e
{ of] . ;fy} pxfFn] ;dfgtfsf
nflu k|of; ug{ klg cfu|x ug'{eof] . ef]sf] x'g'eGbf a9L s'g} klg Unflg
tyf b'Jo{jxf/ x'g;Sb}g . r'lxP/ tn emg]{ l;4fGt -l6sn 8fpg lyol/h_
n] ul/a hgtfsf] j}w cfsfFIffnfO{ ;Daf]wg ug{ ;Sb}g . tNnf] txdf
/x]sfnfO{ xfdLn] dfly Nofpg} k5{, pxfFn] eGg'eof] . pxfFn] e|i6frf/n]
d'n'ssf] k|ultsf] dgf]l:yltnfO{ bafpg] ePsfn] ef/tn] e|i6frf/nfO{
cfkm\gf] k|ultnfO{ ckx/0f ug{ lbggx'g]df hf]8 lbg'eof] . d'vhL{ sfFu|];
kf6L{sf tkm{af6 /fi6klt kbsf nflu pDd]bjf/ x'g'x'GYof] / pxfFn] /fli6o
tyf /fHo:t/Lo ;f+;bxdWo] ^( k|ltztsf] dt k|fKt u/L ljhoL x'ge
' of] .
ef/tsf] ;+ljwfgcg';f/ k|wfgdGqLn] sfo{sf/L k|d'vsf] clwsf/ k|of]u
ug'x{ G' 5 t/ /fi6kltn] s]xL ljw]os k'gMljrf/sf nflu lkmtf{ k7fpg;Sg'xG' 5
/ ;/sf/ u7gsf k|lqmofdf lgb]{zssf] e"ldsf v]Ng;Sg'x'G5 . ef/tdf
;g\ @)!$ df csf]{ cfdlgjf{rg x'g]ePsf] 5 . /fi6klt d'vhL{ jftf{sf/sf]
Ifljsf nflu kf6L{xaLr klg Vofltk|fKt x'g'x'G5 .
ljlrqsf] ;+;f/
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