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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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