mcJj, 31 pu 2006

vij mnkj yBkb vHwl J vH#clcO mOjC kjC J vH#clcO mll jKC n ovn vb$kbh{ (jPJ& yBk D@H Fb[ J Yjl mjkj) c kUkUǮ J< Dn. kCln D|Lk mbmL M/k=l n l箳 k&hl J l箳 k&Jn J vO pc kjC箳 kMulJj DJubyv Dml. vO pc kjC kMul cnCp mhO&lck ijpbcO D|Lk vOR kMulv Jh kjC n n. k&Jnlu kMul cnCp p ojv vO pc nll J p ojv l vOǮ Jvi nl l ojbcOu lHJl n n. pm pm DOkOk mbmL J mOv n hm J ibipUǮ ckxcO ll, lm D|Lk hl KuJj mjC hJl J lyjyj DOkOk mhO&lck nl pl. l, D|Lk mbmLbv GhuyO DmCj ojJ kc kc nl pl.
mO箳 kUlu Dlbl mhO&lck yBEki #$l, vij mnkj yBkbv kJU Jhj yBk, hjoM yBk J Kpi yBk vJn hC Flj vij mnkj yBkyjyjoKu mhO& kjJ uil. pj Dvk vij mnkj yBkb yyll lb J, kpx J vJJU vH l J{ nl Dmu lj KUl Yb[JuJj cUCj mO vJJU oj kc JC n mhO&lck ckx JlJjCcU, hjmLlcU kC pl Dn. lk vij mnkj yBku kn Kuu cblv vc&C nCN JJ#l hjmhj JjO Ivbv mcj pJ uil Dn. l cKlJkv lk mnkj vij yBkl, lk YiOjk n Sk kp&oj n Dml.
 


1. kp&oj cnCv, lu kp&Jj yBkv kc Jpoj DkjJ DM l Dh# Dml.
2. Sk YiOjk cnCv, yBkv lu pml cCl yBk GlhV nmm (uYbM) J Dm Jl.
3. Sk nk cnCv lu yBkk[v mJxc mJO cUu nJl DM l Dh# Dml.
4. Sk YiOjk, cnCv l yBk J{ J il JnJ DM Dh# kjl.
5. Sk YiOjk cnCv, l yBklu kc&Nb ciCbv mncl oM&Jl J lbv biu hij cUJ DM Dh# Jl. hC mJ祮 yBk GlhVJj kCl hjCc nF&u n l箳 iJn vml. cnCv, mJ& Ƭl, vij mnkj yBkbv mYmob J nkb Fs J Dkb# l i mcvJ mOu nJ, J{ J ilkjl vH DvJ& k[ vij mnkj yBkb JJmLhvv kkjhC/ ibYdzv u# hjJu hnp. vHw cC J Yb[Ju h&hll [CRAR] i vi[l Dnl. vHw箳 DOk cCcU Yb[Ju h&hllcO J{ nl. pl jKuu vH n pc ibipUl cUJu pl. Gu, koƮl DOk ibipUǮ hl&l c$ DOk vHw v|cl kju Dm vn. vHw cC n cuc kjJj DJubyv Dml. MJ pml vHw箳 cCyjyj cuc vc&C kjClu Okn Sk$lhC kc kjl Dmll.
n mJ&l ml Dn k, Ok J hjlJ ov i SkckbM mccCl mbybOl Dnl cnCp pm Ok DOk lm vH cUJC DOkOk Mkwl. SKv DOk Okok cuc pcJCk k v pi yBku l hl SK c kp& hjlH[Ǯ Mkwl cJUucU kc nl. Yb[Ju h&hll hl&l mboY&l, yBkbv Okok cuc c&ol JC, plv yBku kCl kj hjlJ cUl vn, DM yyll DOk pik jnv l c&ol cCl Ju hnpl.
Okok cucbyyl DCK kn c kUphJ&k u#l Iu nJl J l cnCp
4) Pk/ HjHj/Swing
5) l J (quality)
6) ljul (Liquidity)
Pk/ HjHj/ you (Swing)
Okok cuc J<&Yj Sk kC mLj jnl vnl. lb mLll oj oJM HjHj nl. Okok cuc pJn{ pml ljul lJn{ lb mLll you nC Mkwl DOk, l Sk Ho cnCp l Okok cuc vcv kjCl cUCj muYl. yBkbv cuc c@jp mJ&Ok Sk$kjC kjC箳 v lv kjJl pcU ibipUǮ hl&l vcv muY nCm col nF&u. Sk ypu cuc/ DP lu c@j lHJlǮ n vcv kvn l JC箳 cCl Ju hnp. (p lHJl lk yBkbv lbhjv jJ Dn) J omN ypu c@jp箳 mJ&Ok Sk$kjCcU Yb[Ju h&hll i vcv nCm col nF&u. pj cuc J hjlJ n mccCl SkckbM mbybOl Dmlu lj Okok vHwb cC DOk jnu. hC pj mJ&Ok c@jp cC DOk Dmu lj, Yb[Ju h&hll vcv kjCm uiCj muYl mbkƮl nl. cuc c@j n s Yik[ pml Pkuu Dmu lj DhC& cuc cC J{v DOk muYl nF&u. n oKu i vn pcU Kh c cCl Dmblul jkwkc cC J{v pi ljul vcv kjC kC nF&u, hjCc vHw cC kc nF&u. cuc Okw hjcC n jPJn& yBkv Iuv ouu lJbJv jJu pl. lk yBkbv lbk[ Dmuu cucmbybO DmCj Ok DYmC pjǮ Dn v k kJU jPJn& yBkv ouu cb DOjv kc kjC. cKv Ilk [k[ ou&# k v. pcC JJO cucb p Sk il c[ll, lb Okw cCn JJO Dm Mkl, lcC Okwb vcvbv mcj pCm l l yBk mboY&l Jj kjJ uiu.
l- Quality
n Dlbl cnJ c Dn J yBkbv lk[ ibYjlv u# hjJu hnp. pm cuc (DmlR) l pJ{ c/ pml lJ{ c vH J li yBkbv ibipU hm J{Jl l J ibipUu i oM ol l. yBkv cuc (Dml) vJ[Cl J Okok cucb (DmlR) v|cl kjCl DJMklh# DOk u# kWl kju nJ. cuc l jKCm yBkv Kuu ci祮 DJuby kjJ.
1. Gc lǮ nkbv [ oC.
2. p oJmhmv kpx ou pll l oJmhmv l i vj#C J vcv kjC.
3. l cJjcO Jj pCm kp&ojbv pml Gpv/ jC oCl J.
4. kp& svv J il jJC J hhjJ kjCyyl yBk kc&jJi&u i J hjm M#C oCl J J ll mll JCl J.
5. SK cuc (DmlǮ) DpjhCyu hC& MO ITv lJj lJjl hvJ&mv Ƭ m kjC.
6. H cpkw kbhv J kjKvbJj u# kWl v kjl JJO #$bl kc kjCN kbhvb/ kjKvb mcJM kjJ J mclu mOJ.
ljul - Liquidity
cuc ljul n l箳 c@jJj J JhCvJj DJubyv Dml. D vm n mnphC JJl ll J lcU l pml ljuMu Dnl. Gu kuhbv oCl Duu colǮ kpx lb hjl kjC箳 jJuu oJm箳 DO hjl Il l vnl. lcU l lb Dblc ljKhl ljumu vmlu. yBkbl, Okok cuc mboY&lu JhCv c n Ku箳 cbkJj Dml J ll H MDm&, [yWm& J Flj Jhvlck c b mcJM nl. cCl mO yBkblu Okok cuclu vH n ljumu cucM vi[l Dml pm k@M [ J colǮ kpx mJcU Okok cuc mbYU kjC muYl mbkƮl nl p ypj mLl/ Okw i chv/ ljul ijp F.M mbybOl Dml.
Yb[Ju h&hll J v@v-Hb[ GlhV :
yBk lb Jpojlu ojJcU (Interest spread) pml oyJ h{u kjCbcU pCJ Mkll.
Dvb$l (deregulation of interest Rate on Deposits) JJju Jpojlu mJlcU yBkbl pJIC mhO& m Pu. hjCcl: JJju DOk Jpoj箳 kcll (Cost) cO J{ Pu Dn.
cK kp&oj p k@hu ckx, Jhj kioh$ Dij hjoM vCb lb kuh J KUl Yb[JuM hC kjll. lcU yBkbv lb kp&Jju Jpoj Gc kp&ojkjl MLu ku hnpl.
cK kp&ojbSJp pj kc lǮ kp&ojb kp&kjl yBkv vJ[ ku lj kp& mJh J l hC&l: youv pF&u J pml kp&-l- l vc&C nF&u.
kjl mO箳 hjmLll, yBkbv H ym[m GlhVJj u# kWl kju nJ. pm Jhj yBEki, k@hxj muu oC k&, Jc JJm, kuhb hj#C, hjoM DL&JJmL vcv, yBEki hjlJ Jij. H ym[m DJubyv Jhjl Sk Ho Dm k, pcU Okok cucb (DmlǮ) v|cl nl vn DLJ J{ nl vn. yBkbv lkjl vJvhC& hl DJubyJl pj GlhVl Yj h[u. pm Sum/ yBk i@jblv cUCj GlhV n v@v-Hb[ GlhV Yi Dnl.
lk yBkv Dhu OjC JjucC kkjhC jyJum vij mnkj yBk #$ vƽl m#c yvu Dm Jm Jl.
DjEJo oMhb[
cK k&kj J mƮJ, cnj^ Dy&v k-D@h. yBkwm H[jMv u.