Page 170 - DECO402_MACROECONOMIC_THEORY_PUNJABI

smStI ArQSwsqr dy isDWq

È؇ ivsqwr inqI) dw Anusrx krdw hY qW ivAwpirk bYNkW dI swK inrmwx krx dI Skiq v`D jWdI hY iehdy
ault, jykr kyNdrI bYNk mh`gI swK nIqI (swK sMkucn nIqI) dw Anusrx krdw hY qW ivAwpwirk bYNkW dI swK
inrmwx dI Skiq G`t jWdI hY[

(5) hor bYNkW dI nIqI (Policy of Other Banks) – iek bYNk rwhI swK inrmwx krx dI Skiq hor bYNkW rwhI
ApnweI geI swK nIqI qy vI inrBr krdI hY[ jykr swry bYNk iek sur iv`c kMm krdy hn qW auhnW dI swK
inrmwx krx dI SkqI v`D hovygI[ pr jykr iek bYk swK dw ivsqwr krdw hY Aqy hor bYk auhdy nwl shXog
nhI krdy qW swK inrmwx dI kirAW sIimq ho jwvygI[
(6) jmwkrqwvW dw ivSvws (Confidence of Depositors) – bYNkW dy swK inrmwx krx dI Skiq qy lokW dy
ivSvws dw vI pRBwv pYdW hY[ jykr jmwkrqwvW dw bYNikg pRxwlI qy purw Brosw hY qW auh ApxI mudrw bYNk iv`c
peI rihx dyxgy iesdy nwl bNYkW dI swK inrmwx krx dI Skiq v`DygI[ iehdy ault, jykr lokW dI bYNikg
pRxwlI iv`c koeI ivSvws nhI hY qW auh ApxI bcq bYkW (Saving) iv`c nhI rKxgy[ bYNkW dy kol nkd SyS
dI mwqrw dw G`t hoxw auhnW dI swK inrmwx dI Skiq ƒ G`tdw hY[
(7) cMgy auDwr lYx vwilAw dI auplbDqw (Availability of Good Borrowers) – swK dy Xog auDwr lYx
vwilAW dI auplBDqw vI bYkW dI swK inrmwx Skiq ƒ pRBwivq krdI hY[ jykr ieho ijhy auDwr lYx vwly v`DI
sMiKAW iv`c hwjr hY qW swK dw v`D inrmwx hovygw[ jykr cMgy auDwr lYx vwly auplbD nhI hY qW bYNk auDwr
dYx iv`c sMkoc krygw Aqy swK dw inrmwx sIimq hI rhygw[
(8) ivAwpwirk Aqy AODoigk siQiq (Commercial and Industrial Conditions) – mMdI dI AviD dy dorwx,
ivAwpwirAW Aqo AoDogpwiqAW dI krz leI mMg bhuq G`t ho jWdI hY[ iesleI bYkW rwhI hox jmwvW dy rup
iv`c v`D swK inrmwx nhI ikqw jwdW[ pr qyjI dI AviD dy dorwx bYkW dy leI auDwr dynw lwB dyx vwlw huMdw
hY Aqy gox jmwvW dy rup iv`c v`D swK dw inrmwx krdy hn[

ivAwpwirk bYNkW dI swK inrmwx krx dI Skiq dw sImWkn krx vwly do mu`K mwpk
(Two principal parameters that Delimit the Credit Creation Capacity of the
Commercial Banks)
ivAwpwirk bYNkW dI swK inrmwx dI Skiq dw sImWkn krx vwly do mu`K mwpk ies qrW hY –
(i) ivAwpwirk bYNkW dI pRwQimk jmwvW jW nkd koS – nkd koS ijny v`D hoxgyN bYNkW dI swK inrmwx
dI Skiq vI aunI hI v`D hovygI[
(ii) kyNdrI bYNk jW iSKr bYNk rwhI inrDwirq nkd AwriSq koS Anupwq – ivAwpwirk bYNkW dy leI
kyNdrI bYNk dy nkd AwriSq Anupwq (CRR) sMbDI AwdySW dw pwln krxw jrUrI hudW hY[ jykr
nkd AwriSq Anupwq ƒ vDwieAW jwdw hY, ijvy jw mudrw siPiq dI siQiq iv`c, qW bYkW dI swK
inrmwx krx dI Skiq sMkuicq ho jWdI hY[ iesdy ault jykr nkd AwriSq Anupwq ƒ G`t kr idqw
jwdW hY, ijvy jW mMdI dI AvsQW iv`c, qW bYkW dI swK inrmwx krx dI Skiq kwPI v`D jWdI hY[

√ÚÀ ÓπÒª’‰ (Self Assessment)
hyT id`qy gey kQ`nW iv`c shI Aqy glq dI pihcwn kro
(State whether the following statements are True or False):
7. iek ArQ-ivvsQw iv`c mudrw purqI kryNsI d cln Aqy vwixijXk bYNkW dI mMg jmw qy inrBr krdI hY[
8. vwixijXk bYNk dI swK ivsqwr Smqw iesdy nkd AwriSq Anupwq qy inrBr krdI hY[
9. mMg jmw bYNk dI aus jmw ƒ ikhw jwdW hY ijsƒ jmw krx vwlw iksy vI vyly cyk jwrI krky nhI
k`fvw skdw[
10. mudrw dI purqI Aqy au`c Skiq mudrw dw Anupwq hY[

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