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lkekftd lajpuk ,oa lkekftd ifjorZu
uksV mi idkj III Lo (O;fDr) $ iRuh
z
O;fDr (Lo-) mldh iRuh]
vkSj@;k vfookfgr iq=k
Lo $ iRuh iq=k iq=kh vkSj fcuk cPpk ds
s
a
fookfgr iq=k
mi idkj IV
z
O;fDr (Lo-) mldh iRuh]
Lo $ iRuh HkkbZ vfookfgr cPps vkSj
vfookfgr HkkbZ
q
iq=k i=kh
mi idkj V
z
O;fDr (Lo-) mldh iRuh]
Lo $ iRuh cfgu (fo/ok) vfookfgr cPps vkSj
mldh fo/ok pkph ;k
cfgu ;k Hkrhth
iq=k i=kh
q
nslkbZ ds oxhZdj.k esa rhljs izdkj ds lhekUr la;qDr ifjokj dks (;kfu fd O;fDr ¼Lo½] iRuh] vfookfgr
lUrku] vkSj fcuk lUrku ds fookfgr iq=k) dks dkifM+;k us ,dkdh ifjokj dgk gSA mudh ekU;rk gS fd og
ifjokj ,dkdh gksrk gS ftlesa O;fDr] mldh iRuh] vkSj muds fookfgr ;k vfookfgr cPps gksa] vFkkZr~ ;g
ifjokj ekrk&firk vkSj muds fookfgr ;k vfookfgr cPpksa dk lewg gS c'krsZ fd fookfgr cPpksa ds vius
cPps u gksaA ;fn fookfgr cPpksa ds Hkh cPps gksa rks og ifjokj la;qDr ifjokj esa cny tk;sxkA dkifM+;k us
ikap izdkj ds ifjokj crk, gSa% (1) ,dkdh ifjokj vfookfgr iq=kksa ds lkFk (2) ,dkdh ifjokj fookfgr iq=kksa
ds lkFk (3) lejs[kh; (lineal) la;qDr ifjokj (4) fHkUu 'kk[kkbZ (colateral) la;qDr ifjokj vkSj (5) fo/ok cfgu
ds lkFk vkSj@;k mlds cPps ds lkFk (;kfu fd vkfJrksa ds lkFk) ifjokjA
dkifM+;k }kjk n'kkZ, x, mijksDr oxhZdj.k esa nwljs izdkj dk ,dkdh ifjokj (ftls nslkbZ us lhekUr la;qDr
ifjokj dgk gS) ,sfyu jkl ds }kjk y?kq la;qDr ifjokj dgk x;k gSA jkl (1931%34) us pkj izdkj ds ifjokj
crk, gSa% (1) cM+k la;qDr ifjokj ftlesa rhu ;k pkj ihf<+;k ,d lkFk] ,d gh ?kj esa jgrh gksa] ,d gh jlksbZ
esa Hkkstu cukrh gksa] lk>h lEifÙk dh ekfyd gksa] vkSj lHkh ds [kpsZ ds fy, vkenuh bdB~Bh gksa] (2) y?kq
la;qDr ifjokj ftlesa ekrk&firk] fookfgr iq=k o vfookfgr cPps ;k nks HkkbZ viuh iRuh o cPpksa ds lkFk
jgrs gksa_ (3) ,dkdh ifjokj ftlesa ekrk ;k firk nksuksa vfookfgr cPpksa ds lkFk jgrs gksa_ vkSj (4) ,dkdh
ifjokj ds vkfJrksa ds lkFk] ;kfu fd ekrk&firk] mudh vfookfgr lUrku vkSj ,d ;k vf/d vkfJr lnL;A
jkl us y?kq la;qDr ifjokj ds rhu mi izdkj crk, gSa%
(i) O;fDr] mldh iRuh] vfookfgr cPps o fookfgr iq=k fcuk cPpsa ds]
js[kkfp=k 4 (i)
Lo(bxk) $ iRuh
s
iq=k $ iRuh iq=k iq=kh
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