Page 151 - DECO503_INTERNATIONAL_TRADE_AND_FINANCE_HINDI

bdkbZ—11% O;kikj larqyu ,oa Hkqxrku larqyu % vFkZ ,oa ?kVd

(iv) chek (Insurance)μchek dEifu;k¡ fofHkUu ns'kksa esa O;kikj (lkeqfnzd] vfXu] thou] ;k vU; chek uksV
O;olk;) djrh gSA budks fons'kh eqnzk esa izkIr gksus okyh vk; fons'kh eqnzk Hk.Mkj esa o`f¼ djrh gS]
og ^tek* esa fn[kk;h tk;sxhA blosQ foijhr fons'kh dEifu;ksa dks pqdk;h x;h jkf'k ^uke* esa fy[kh
tk;sxh D;ksafd ns'k osQ fons'kh eqnzk Hk.Mkjksa esa muls deh gksxhA

fons'kh fofue; nj fdls dgrs gSa\

(v) fuos'k vk; (Investment Income)μns'k osQ ukxfjdksa ,oa O;kolkf;d laxBuksa vkfn us fons'kksa esa fd;s
x;s fuos'kksa (Investments) ls C;kt] ykHkka'k vkfn izkIr fd;s gksa] os tek dh rjiQ rFkk fons'kh
ukxfjdksa }kjk ns'k eas fd;s x;s fuos'kksa ij vk; dh mudks Hksth x;h jkf'k;k¡ ^uke* i{k esa fy[kh tk;sxhA
lHkh izdkj osQ C;kt] ykHkka'k osQ Hkqxrku] pkgs os ljdkjh gks ;k futh {ks=k osQ fy[ks tk;saxsA
(vi) f'k{kk] fpfdRlk O;; vkfn (Education, Medical Expences etc.)μvUrjkZ"Vªh; Hkqxrku] tks f'k{kk]
fpfdRlk vkfn osQ fy, fd;s tk;sa] os fy[ks tk;saxsA izkfIr;k¡] ^tek* i{k esa rFkk fons'kh eqnzk esa fd;s
x;s Hkqxrku ^uke* i{k esaA
(vii) gLrkUrj.k Hkqxrku (Transfer Payments)μvusd Hkqxrku ljdkj }kjk ;k futh {ks=k }kjk fy;s fn;s
tkrs gSa] tSls iqjkus deZpkfj;ksa dks isU'ku] i=k&if=kdkvksa osQ pUns] vuqnku o gtkZus] fons'kksa esa foKkiu
vkfnA ;s lHkh vyx ls bl 'kh"kZd esa 'kkfey fd;s tkrs gSaA
(viii) ljdkjh Hkqxrku (Govt. Payments)μvusd ljdkjh laLFkk,¡ ,oa foHkkx vUrjkZ"Vªh; Lrjksa ij ysu&nsu
djrs gSa] tSls la;qDr jk"Vª la?k o mlls lEcfU/r laLFkkvksa esa O;;] fons'kksa esa fLFkr jktnwrkoklksa] okf.kT;
nwrkoklksa ;k ljdkjh izfrfuf/ e.My vkfn ls lEcfU/r ysu&nsuA fons'kksa esa fd;s x;s O;; ^uke* i{k
esa rFkk fons'kksa ls izkfIr;k¡ ^tek* i{k esa fy[kh tkrh gSaA
(ix) iw¡thxr ysu&nsu (Capital Transactions)μiw¡th [kkrs esa ns'k ls gksus okyh iw¡th dks"kksa osQ vkokxeu
(Movements) dk ys[kk fd;k tkrk gSA futh {ks=k] cSa¯dx laLFkkvksa rFkk ljdkjh {ks=k }kjk iw¡thxr
ysu&nsu vyx vyx fn[kk;s tkrs gSaA vYidkyhu ,oa nh?kZdkyhu ½.k] fuos'k] fofu;ksx vkfn dk
vyx&vyx mYys[k fd;k tkrk gSA fons'kh eqnzk dh izkfIr;k¡ ftuls ns'k osQ fons'kh eqnzk dks"kksa esa o`f¼
gks] ^tek* dh vksj rFkk fons'kh eqnzk dk cfgxZeu] ftlls fons'kh eqnzk dks"k de gks] ^uke* dh vksj fy[ks
tkrs gSaA bl fl¼kUr osQ vuqlkj fons'kksa ls izkIr ½.k ;k fofu;ksx dh jkf'k ^tek* o fons'kksa dks fn;s
x;s ½.k vkfn ^uke* i{k dh vksj fy[ks tkrs gSaA tc fn;s x;s ½.k iqu% okil ykSVsaxs rc ^tek* dh
vksj (Hkfo"; esa) fn[kk;s tk;saxsA ½.k nsrs le; ^opu i=k* (IOUs or Securities) vk;kr fd;s tkrs
gSa] blfy, Hkh ;g ^uke* esa fy[kk tk;sxkA
(x) Lo.kZ dk vkokxeu (Gold Movements)μfons'kksa ls Hkqxrku esa Lo.kZ dk ysu&nsu] fo'ks"kdj tc fd
Hkqxrku esa vlUrqyu dks nwj djus osQ fy, ,slh fLFkfr mRiUu gks] Lo.kZ dk vk;kr oLrqvksa osQ leku
gh gksxkA lksuk izkIr djuk vk;kr o lksuk Hkstuk fu;kZr le>k tk;sxk vkSj rnuqlkj ys[kksa ls Hkqxrku osQ
nksuksa ;ksx cjkcj gks tk;saxsA
Lo&ewY;kadu (Self Assessment)

fjDr LFkkuksa dh iw£r djsa (Fill in the blanks)μ
1. ------------ dks lkaf[;dh; lkj.kh osQ :i esa izLrqr fd;k tkrk gSA
2. vuqowQy O;kikj larqyu gksus ls ns'k osQ ------------ HkaMkjksa esa o`f¼ gksrh gSA

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