Page 201 - DECO502_INDIAN_ECONOMIC_POLICY_HINDI

bdkbZ&14 Ñf"k foÙk ,oa foi.ku

uksV

fdlku ØsfMV dkMZ ;kstuk o"kZ 1998&99 esa okf.kfT;d cSadksa o {ks=kh; xzkeh.k cSadksa ls izkIr Í.k
dks lqlkè; cukus ds fy, izkjEHk dh xbZ gSA bl ;kstuk esa 5]000 #i;s vFkok vfèkd ds mRiknu
Í.k ds fy, ik=k fdlku fdlku ØsfMV dkMZ izkIr djus ds gdnkj gksaxsA

Ñf"k lk[k dh leL;k,¡ (Problems of Agricultural Credit)

Hkkjr esa Ñf"k lk[k dh izeq[k leL;k,¡ fuEufyf[kr gSa %

1- lk[k nsus okyh laLFkkvksa dk vHkko (Lack of Financing Institiutions)μxzkeh.k {ks=kksa esa lk[k iznku
djus okyh laLFkkvksa dk vHkko gSA vr% ;gk¡ egktu o lkgwdkj gh izeq[k :i ls Í.k iznku djus okys
Ïksr cus gq, gSaA
2- leUo; dk vHkko (Lack of Co-ordination)μÑf"k foÙk lacaèkh vkiwfrZ djus okyh fofHkUu laLFkkvksa
ds dk;Zdykiksa esa leUo; dk vHkko FkkA
3- vfèkd ykxr (More Cost)μÑ"kdksa dks Í.k ysus ds fy, viuh Hkwfe lEcUèkh dkxtkr ^uks M~;wt
lfVZfiQdsV* ls lEcfUèkr ys[k izkIr djds tek djuk gksrk gSA bl dk;Z ds fy, lEcfUèkr deZpkfj;ksa
dks ?kw¡l nsuh iM+rh gSA vr% Í.k dh okLrfod ykxr c<+ tkrh gSA
4- le; o èku dh gkfu (Loss of Time and Money)μÑ"kdksa dks Í.k izkIr dju esa izk;% vusd ckj
foÙk laLFkkvksa ds pDdj yxkus iM+rs gSa ftlesa le; rFkk èku dh gkfu gksrh gSA
5- Ñf"k Hk.Mkj.k dh leL;k (problem of Agriculture Warehousing)μxzkeh.k {ks=k esa Ñf"k mRiknu
ds Hk.Mkj.k dh mfpr O;oLFkk ugha dh tk ldh gS ftlds ifj.kkeLo:i Ñ"kd viuh mitksa dks
xksnkeksa esa tekur ds :i esa j[kdj Í.k izkIr ugha dj ikrs gSaA
6- Å¡ph C;kt nj (High Rate of Interest)μxzkeh.k {ks=kksa esa tks lkgwdkj o egktu lk[k iznku djrs gSa]
os fdlkuksa ls Å¡ph nj ls C;kt ysrs gSaA
7- Í.k vko';drkuqlkj ,oa mfpr le; ugha ij (Non-availablility of Loan at Propose
Time)μÑ"kdksa dks vko';drkuqlkj ,oa mfpr le; ij Í.k ugha fey ikrkA
8- dk;Z&iz.kkyh esa fofHkUurk (Differences in Working System)μfoÙk iznku djus okys laLFkkvksa dh
dk;Z&iz.kkyh esa fofHkUurk ik;h tkrh gS ftlls Ñ"kdksa dks Í.k izkIr djus esa ubZ&ubZ dfBukb;ksa dk
lkeuk djuk iM+rk gSA
Ñf"k foÙk iz.kkyh esa lqèkkj ds mik; (Measures for Improvement in Agricultural
Finance System)
izeq[k laLFkkxr ,tsfUl;k¡ fuEufyf[kr gSa %

Ñf"k foÙk O;oLFkk esa fo|eku nks"kksa dks nwj djuk Ñf"k vkSj Ñ"kd leqnk; dh mUufr ds fy, vko';d gSA
blds fy, fuEufyf[kr dne mBk;s tk ldrs gSa %
1- laLFkkxr lk[k dk foLrkj (Expansion of Institutional Credit)μÑ"kdksa dks egktuksa o lkgwdkjksa ls
eqfDr iznku djus ds fy, xzkeh.k {ks=kksa esa laLFkkxr lk[k dk rsth ls foLrkj fd;k tkuk pkfg,A blds
fy, {ks=kh; xzkeh.k cSadksa o lgdkjh foÙkh; laLFkkvksa_ tSlsμlgdkjh lfefr;ksa dk foLrkj fd;k tkuk
pkfg, ftlls fd izR;sd xk¡o dk Ñ"kd buls ykHk mBk ldsA

LOVELY PROFESSIONAL UNIVERSITY 195