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jeYv³ GjvKvq †gŠmywg weAvi 22, weAvi 23 weª avb → ƒ N @(!E # / - @(!! .'।
Pv‡li Rb¨ Aby‡gvw`Z 40, weª avb 41, weª avb 46, weª → cvU cuPv‡bvi cÖwµqv‡K wieb †iwUs ejv nq|
RvZ avb 53, weª avb 54 BZ¨vw`|
†ev‡iv †gŠmy‡gi Rb¨ Aby‡gvw`Z jeYv³ weª avb 47, weª
Pv
mwnòz av‡bi RvZ avb 55| → 5 _' B _' )^ !QJ( 3}Z „
eb¨v cieZ©x GjvKvi Rb¨ avb weª avb 46 # '3 ' 3 W .'। 8 ?K 3 W .' !Q!Q
Y : 8 K : Av‡jvK 6201 । Pv‡qi Pvl cÖ_g kyiæ nq Px‡b| ‡`‡k Drcvw`Z
AwaKvsk Pv we‡`‡k ißvwb Kiv nq|
Mg → ?K =0 8 3 ' 3 W .' 1854
Mg evsjv‡`‡ki wØZxq cÖavb Lv`¨km¨| DËiv‡j M‡gi Drcv`b / & '।
fvj nq Ges Mg Drcv`‡b kxl© †Rjv VvKziMvuI| Mg Pv‡li → 3 … -' )K -1 ।
Dc‡hvMx Ae¯’v- → 3 3 04 04 ? ' 0 † 67, 0 o
→ 160 †_‡K 220 †mjwmqvm ZvcgvÎv 5 A / 5A32 B ~ 2 0 , 16০- !M( '
→ 50 †_‡K 75 †mw›UwgUvi e„wócvZ i # @E( ‡/ / :ˆ ।
→ e„wónxg †gŠmy‡g cvwb‡m‡Pi gva¨‡g → @ ? 3 5 < .'। 6K - Pv I 0
2
→ De©i †`vAvuk gvwU‡Z Pvl fvj nq| 3।
→ 3 _ ? s .' ![MM 3}Z ।
L. A_©Kix dmj → 3 7 = V / /5/ ? s .' ![EM ।
‡hme km¨ A_©‰bwZK Pvwn`v c~i‡Yi Rb¨ wewµi D‡Ï‡k¨ Pvl Kiv
nq †mme km¨‡K A_©Kix km¨ e‡j| ‡hgb- cvU, Bÿz, Pv, Zzjv,
→ 3 0x ) T l 8- 0 o- I ।
→ 2 0 7 s- : — । = 2 - K # / †¤ªv ev gyis
œ . G ' # 0 7 s- । ‡gªv D , K 3, B
→ % : 8 , , WA/ , 0। % B' । 0 5 0 ।
' # % D , 6 → ‡gªv )4 C‰ x % – G।
\_ ।
→ ‡gªv 0 w ।
→ 0 7 K = 2 - I -' 7 s- ° -
• - 3- 7 i82|।
→ ‡gªv ' 6 & B' ।
→ 5 : K6 i , 6i, . 5 , 3i w q,
→ evsjv‡`‡ki me‡P‡q DuPz RbemwZc~Y© GjvKvi bvg ‡KIµvWs
9= ।
ce©‡Zi cvwmscvov| GwU gyis Avw`evmx Aay¨wlZ Rb‡Mvôx|
→ = 2 - . ? 3- 9 . > ‘±7 ’। #/ wÎcyiv
# / 7- । "" = 2 - 0 % - i 2 ;2t 0 H — /, % 7& &, D ,
(Pakhangba) . .= 5 ; ' 0 /, • € , 3}Z 0 '।
)^s 6
9 5 O P # / 7- .' = .'।
Q h- # / i B' 7 ?K %
→ i 2 1। / "F / 1 ।
!F / # 8 i 2 @( /।
. ।( K i9 : _' )
→ i 2 - 3 ) .' ‘ ’#
Mv‡iv 5 ) .' ‘ ’।
gvw›`iv evsjv‡`‡k Mv‡iv bv‡g AwaK cwiwPZ| Zviv ÔAvwPK-KzwmKÕ → @ # i 2 ;2t
A_©vr cvnvwo fvlvq K_v e‡j| 0 H 5 ‘ C ’ .'।
→ G‡`i †Mv·K Zv‡`i fvlvq ÔPvw”PÕ Ges esk‡K ÔgvnvwiÕ ejv → i 2 W % % (7 ) C• r '।
nq|
→ gvw›` mgvR gvZ…-m~Îxq, A_©vr gvZv n‡jb cwiev‡ii cÖavb| ivLvBb cÖkœ t wb‡Pi †Kvb
ivLvBbiv gM bv‡g cwiPZ| Avw` wbevm gvqvbgv‡ii AviKvb ÿz`ª b„-ZvwË¡K
→ mšÍvb‡`i‡K gv‡qi Dcvwa MÖnY Ki‡Z nq| gv‡qi m~‡ÎB iv‡R¨| Giv g~jZ †eŠ× ag©vj¤^x| ivLvBb‡`i me‡P‡q eo agx©q Rb‡Mvôxi RbMb
gvw›`‡`i eskaviv ev ÔgvnvwiÕ wba©vwiZ nq| Drm‡ei bvg †eŠ× c~wY©gv|
→ mgZ‡ji Mv‡iv‡`i fvlvi bvg Ôjvg`vbxÕ| gMax I gM bv‡g
cwiwPZ?
→ gvw›`‡`i Avw` a‡g©i bvg Ômvsmv‡iKÕ Avi cÖavb †`eZvi bvg IuivI [cÖavbgš¿xi
ÔZvZviv iveyMvÕ| wKš‘ gvw›` RvwZmËvi AwaKvsk gvbyl IuivI ;2t 0 H 0 2 , 2 , 0 .- 0 '।
eZ©gv‡b wLªóvb ag© MÖnY Kivq wLªó-agx©q AvPvi Abyôvb¸‡jvB Kvh©vjqvaxb
→ IuivI Z ? . । Awa`ßi (Rywbqi
GLb Zv‡`i cÖavb ag©xq Abyôv‡b cwiYZ n‡q‡Q|
→ gvw›` bvix‡`i HwZn¨evnx ‡cvkv‡Ki bvg Ô`Kgv›`vÕ I → IuivI os । wdì Awdmvi)
Ô`KkvwiÕ| cyiæl‡`i HwZn¨evnx †cvkvK n‡jv ÔMv‡›`vÕ| → IuivI ? -' 5 ‘1 p' ’ 1 ¬2 % 2019]
5 6 .'।
→ gvw›`‡`i RbwcÖq Lvev‡ii bvg ÔLvwoÕ| gyiwMi gvsm w`‡q GwU
ivbœv Kiv nq| → IuivI / । . I' , B I' B
i' ।
→ AZx‡Z gvw›`‡`i gv‡S †`vÕPvjv j¤^v evmM„n †ek RbwcÖq wQj|
G ai‡bi Ni‡K gvw›` fvlvq ejv nq ÔbKÕ| gvnv‡Zv
→ Mv‡iv‡`i HwZn¨evnx Pvl c×wZ Ryg Pvl| . ;2t 0 H 3' 07‚ 0 '।
→ . : ¦ 7 s- 8 g: ?K 5 4
Lvwmqv ‘ ’। 5 4 / 3 D¾¡j . । .
% ' /, l 8- 0 , o- I B . 7‚ 0 '। ' 3 5 4 ‘ ’ # 89 % = i।
% ' 3 । → G‡`i MÖvg cÖavb‡K ejv nq gvnv‡Zvqv|
→ % ' ' 0 ² 50 B 12 7 → gvnv‡Zviv mbvZb a‡g©i Abymvix| wcZ…cÖavb mgvRe¨e¯’v|
2 I। → cÖavb ag©xq MÖš’- AvuBb¨vk
→ % ' 5² K25। → cÖavb ag©xq Drme- mnivq (‡Mvqvj I M„ncvwjZ cï cyRv),
→ ) - / 0 ‰RqšÍxKv‡Z % ' । Kvivg I wRwZqv (e„ÿ cyRv I e›`bv)
→ gvnv‡Zv‡`i fvlv Kzigvjx cÖvq wejywßi c‡_|
Bb‡mckb WvB‡R÷ (evsjv‡`k welqvewj) 459
AÂjwfwËK cÖavb cÖavb DcRvwZ %' ª ' -' 5
DcRvwZi bvg emev‡mi ¯’vb 1 p' AB B B B 5 0 -' )^s । [
3 3}Z , — / (cÖavb Avevm¯’j), % 7& & %2 : 1 B B ]
( h )K ^ ) B D ( 3e2 . & ) . AB -' 5
i 2 (/ ) % 7& & (cÖavb Avevm), D B — / b2 2 7 AB -' 5
( 7 B D , • 0 , LvMovQwo Rj‡Kwj ivLvBb‡`i ag©xq Drme
3 )
% /2' % - B • 0
(gM bv‡gI cwiwPZ) DcRvwZ‡`i fvlv
— l 8- 0 । evsjv‡`‡k 32wU DcRvwZi wbR¯^ fvlv i‡q‡Q|
7 ' ., / I , 2 B i , : 7 s- 8 : 7 s- 8
(? : : D) MvRxcyi, wm‡jU, mybvgMÄ, Rvgvjcyi %
AB 2 , 0 .-, 0 2 , p& , bv‡Uvi, 7 D % ' %
PvcvBbeveMÄ, bIMvu (Clue: isivw`e‡K bvPvb) AB AB BA B • , t
= 2 - /, l 8- 0 , . 7‚ i 2 = 2 - ¯2 ?'
%2 - D , BK 3K ' gvnv‡Zv bvMwi, Kzigvjx
2 /¨ D । (3}Z ? 3- ) -)
7 % 7& &, — /, D B /2' % - DcRvwZ‡`i ms¯‹…wZK cªwZôvb
2 LvMovQwo, ev›`ievb I — / cÖwZôvb ) T
\7 — /, K·evRvi, PÆMÖvg, ev›`ievb, 5 0 -' g: # _ , wewiwkwi, i =
LvMovQwo i (1977)
% — / U B 0T - 5 0 -' g: S /5/ — /
.0 ' ., i , / I ‡kicyi| 5 0 -' g: S /5/ D
BA B 2 , B7 A B p& , w`bvRcyi ;2t -: 7 s- g: S /5/ % 7& &
% ' / 0' q . &, ‡gŠjfxevRvi, = 2 - # _ l 8- 0
nweMÄ, mybvgMÄ % g: S /5/ • 0
B' -, l' - CD • 0 g: • • 0
ivReskx iscyi 0 .- 8 7-' -: 7 s- g: # _ - 0 .-
wLqvs ivOvgvwU, PÆMÖvg I ev›`ievb → DcRvZxq mvs¯‹…wZK GKv‡Wwg, wewiwkwi, †b·Kvbv n‡jv
cvs‡Lvqv ev›`ievb I ivOvgvvwU evsjv‡`‡ki cÖ_g DcRvZxq mvs¯‹…wZK †K›`ª|
PvK ev›`ievb → DcRvZxq mvs¯‹…wZK Bbw÷wUDU, ev›`iev‡b DcRvZxq hv`yNi
eb‡RvMx (eg) ivOvgvwU, LvMovQwo I ev›`ievb i‡q‡Q|
gyÐv Lyjbv, h‡kvi, wm‡j‡Ui Pv evMvb
gvnv‡Zv wmivRMÄ, PvucvBbeveMÄ, bIMvu, cvebv, cve©Z¨ PÆMÖvg kvwšÍ Pzw³
e¸ov, wm‡jU → ÿz`ª b„-‡Mvôxi ‡Mwijv msMV‡bi bvg ÔkvwšÍ evwnbxÕ hvi
cÖwZôvZv gvb‡e›`ª bvivqY jvigv| Gi eZ©gvb cÖavb n‡”Q
†R¨vwZwi›`ª bvivqY †evwawcÖq jvigv ev mš‘ jvigv|
DcRvwZ‡`i Drme
5 0 = )^s । ‰PÎ → Pzw³ ¯^vÿi : 2 wW‡m¤^i, 1997
msµvwšÍ Dcj‡ÿ G Drm‡ei Av‡qvRb Kiv nq| → cÿ-wecÿ : ; 3-1 ‘ 2 .
ˆPÎ gv‡mi †kl `yB w`b I bee‡l©i cÖ_g w`b‡K h2€ .। . & ; 0 . 0 •
wN‡i G Drme cvwjZ nq| C , Z # b2 ?' ( µ )
# ;U Š . । C i 2 , → 3}Z ' •= ' MwVZ nq 15 RyjvB, 1998
Z I ivLvBb‡`i # b2 3 Ges Kvh©µg ïiæ nq 27‡g, 1999|
=5 ।
→ 3}Z \ 7u Kiv nq ![[Q mv‡j|
u #/ l # / -' 5 । 0 .
3- • #/ .'। # / 9 3
→ /™ 3}Z ‰ 'H 04 3 0 ?-
I {2 1 ' 3 µ : ¶ ![M!
)^s . B , \I B i 2 ª '
0 . # % . ![M"
।
‘ q . -’ 7 u .'। 0 . ' . & B
• % -' 5
— - … 3}Z
0 % -' 5
T '-8 q ' ; %. 0 .
B' 7 7 -' 5 । 9 6 ? - B' 7 ।
K ![[M q 32 | G ।
[ %2 : 7 e B' ]
Bb‡mckb WvB‡R÷ (evsjv‡`k welqvewj) 460
PZz_© Aa¨vq : evsjv‡`‡ki A_©bxwZ
wm‡jevm : Dbœqb cwiKíbvi †cÖwÿZ I cÂevwl©Kx, RvZxq K. M.J( % L. M."(%
M. F.[(% N. Q.@(% DËi: K
Avq-e¨q, ivR¯^ bxwZ I evwl©K Dbœqb Kg©m~wP, `vwi`ª¨
12. @(!E- !F )K 7& 9 º- - ("Q
we‡gvPb BZ¨vw`| # )
weMZ eQ‡ii cÖkœ K. E.[@ % L. E.E( %
01. t 0 7 s- c= ' - M. F.(E % N. M.@( % DËi: K
C • & ' ? (!J # ) 13. 0 -' ' 7= ' )K - '/ 8 7
K. : L. Z -= 87 .'? ("Q # )
M. ' N. Bmjvgx e¨vsK DËi : L K. !J L. !E
02. @(!F- !M )K )0 )K· ? : . M. !@ N. !( DËi: L
? ("M # ) 14. 2018 mv‡j cvi K¨vwcUv wRwWwc (bwgbvj) KZ? (40Zg
K. 7.24 kZvsk L. 7.05 kZvsk wewmGm)
M. 6.95 kZvsk N. 7.40 kZvsk DËi : K K. $ 1750 gvwK©b Wjvi
e¨vL¨v : A_©‰bwZK mgxÿv- 2019 Abymv‡i cÖew„ ×i nvi- Ges L. $ 1751 gvwK©b Wjvi
AbywgZ cÖe„w× nvi- 8.20%| M. $ 1752 gvwK©b Wjvi
03. ECNEC –# 3' 8 ? ("F # )
N. $ 1750 gvwK©b Wjvi DËi
K. ? •- L. )K •-
M. N •- N. K •- DË&i: K ‡bvU : A_©‰bwZK mgxÿv 2019 Abymv‡i gv_vwcQy Avq-
04. N 7:.- ; )^6 '- U \ - 1909 gvwK©b Wjvi|
N - ("E # ) 15. 2018 mv‡j evsjv‡`‡ki wRwWwc‡Z wkíLv‡Zi Ae`vb KZ?
K. @(!F- @(@( L. @(!E- @(@( (40Zg wewmGm)
M. @(!"- @(!Q N. / ' DË&i: K K. 29.66% L. 30.66%
05. 5<' 1 ¸' - T ? (@E B M. 32.66% N. 33.66%^ DËi N
"J # ) e¨vL¨v : A_©‰bwZK mgxÿv 2018 Abyhvqx, wRwWwc‡Z
K. 0 L. 8 / wkíLv‡Zi Ae`vb 33.71% hv ÔNÕ Ack‡bi KvQvKvwQ|
M. + N. # _ DËi: M 16. evsjv‡`‡k cÖ_g f¨vU Pvjy nqÑÑ (40Zg wewmGm)
06. .: .6 - /? (@! B K. 1991 mv‡j L. 1973 mv‡j
"! # ) M. 1986 mv‡j N. 1996 mv‡j DËi K
K. 0 L. 0
M. 8 N. 62| “ DËi: K
07. ‰ - !(( / / ?K 3 2 .'? A_©bxwZi cÖviw¤¢K K_v-evZ©v
(!F # ) → ‘Economics’ h/ Z h ‘Oikonomia’ K
K. !F 3 ![M@ L. !F _ e ![M@ 5j9 6 )K ‘7:.T - 3 ’। # V ? H
M. J 3 ![M@ N. J 0 ^' ![M" DËi: M msÁv, ‘)K - ^ )8 B N . 67
08. 9 60 % K 3 2 .'? (@E - G G ' 3 = '
# )
3 ’।
K. ! 02 , ![[! L. ! 02 , ![["
M. ! 02 , ![[E N. ! 0 ^' , ![[F DËi: K → )K - 0 ) _ »K। 2 )K - 0
09. 5 K y 0‰ ' .'? 2' । )K - ?K x 8 7 ( ˆ
(@J # ) B ˆ )87 7 § ।
K. ' L. B U W¹ → 2 ' - )K - : !QM( ¤S h K ![!(
M. 89 0‰ N. 9 60 DËi: N ¤ˆ h 6q 2 ¦ ˆ . ‘ 2 ' -
10. @(!M- !Q )K 5<' 93 ' ? (@J )K - ’ ‘? q )K - ’ 7 & 5 u। A2 0 )K -
# ) '• . ।
K. !E",""! / /
→ 0 -' .' !E de ।
L. !!(,M(( / /
M. !!@,E(( / / w' N . 6 .' ‘ 9 60
N. !@E,"(( / / ’।
11. M \ - N ' ? 7& → A_©‰bwZK e¨e¯’v Pvi ai‡bi n‡q _v‡K| h_v-
0 _ ? : )0 ; i - ("Q # ) K. abZvwš¿K ev cyuwRev`x
Bb‡mckb WvB‡R÷ (evsjv‡`k welqvewj) 461
L. mgvRZvwš¿K A_©e¨e¯’v → ' ? _‡/ 6 1 S ?K
M. wgkÖ A_©e¨e¯’v (![@! ) 5<' \ - N Z.=
N. Bmjvgx A_©e¨e¯’v ‘ \ - N ’? T %
→ 1991 mv‡j evsjv‡`‡k gy³evRvi A_©bxwZ Pvjy nq| ।
→ Bail out kãwU A_©bxwZi mv‡_ RwoZ| wKQz w`b c~‡e© evsjv‡`‡ki cÂevwl©Kx cwiKíbvmg~n
wMÖ‡mi A_©‰bwZK msKU †`Lv w`‡j ÔBail out’ wb‡q ?K \ - N (! 02 , ![M" –
Av‡jvPbvi †Uwej mie _vK‡Z hvq| g~jZ ‡`Dwjqvcbv "( 02 , ![MQ)
I A¯^”QZv cÖwZ‡iv‡a A_©‰bwZK mnvqZvi e¨vcviwU‡KB … -' \ - N (![Q(- ![QE)
ejv nq ÔBail out’| : -' \ - N (![QE- ![[()
3 2K \ - N (![[(- ![[E)
Dbœqb cwiKíbvi †cÖwÿZ I cÂevwl©Kx \ \ - N (![[M- @((@)
s \ - N (@(!!- @(!E)
Dbœqb cwiKíbvi cÖvwZôvwbK KvVv‡gv|
→ 5<' N (J (3 )
? s u 0 । 6K - !. N
U \ - N (@(!F- @(@()
, @. 0 -' )K· , 3. 0 -' → U \ - N ? : ? :
)K· .- /, J. •= '/ 8 7 ¶ ¸ =: ? 7 ; ' । '
3 5 । ; i – ? ' "@ % // । -? 4 -
‰T % ।
→ N (Planning Commission):
N 3' ‘? •-’।
U \ - N ; B 5 OP
cwiKíbv Kwgk‡bi †Pqvig¨vb‡K wb‡qvM †`b ivóªcwZ|
0_ ? : Q 5<- =, t 9 - =,
N ) T 7 ’।‘
G 5<' , x B% H ½ ž =
N .' ![M@ 7u।
# ' 5<- =। /
!E )^ > “ 5 62| 5<'
# U \ - N - ' q 7:.-
N ?=' 0 7= l 3 . 9 =
.'। N - ' W ?K 02 , @(!E –
K 5< 0- 6 i ž = '¶ '
_ e , @(!E 6q. … -' @(!F- @(!Q 6q #
.' ।
39& q @(!Q- @(@! 6q।
→ 0 -' )K· (National Economic
Council-NEC): # : ?=- ; B 5 OP → … N : 5<' N
)^6 '- = 8< •= ' B 8 7 b # / …- N B B' . ' ।
0 0 N B 9 3 ?=' । • ![MQ- ![Q( ' # N / 7:.- .'।
# K । ? •- K → ?K 6lK )K· 7 u .' ![Q@
? 8' 8 ¶ । । K 6lK )K·
→ 0 -' )K· .- / (The ' !M / B ! / T K। ( .
Executive Committee of the National ' K)
Economic Council –ECNEC): 0 -' )K·
5<' 1 (BDF) :
.- / (ECNEC) • 8 7
7 u .' ![MJ । Gi c~e©bvg wQj Ôc¨vwim
q 0 -' )K· .- / 7u
u B 6 Š = .'। # ?- 1 #
Kb‡mvwU©qvg MÖæc| # / eZ©gv‡b
G 9 - . ' 6 '। ![Q@ ‘# _ /' ’ 3 ।
)K B N •- ¼' # / @((" K 5<' 1 u
7 u .'। )^ s . >। ? ¸' - T
+ ।
Dbœqb cwiKíbv . 6 - –0 ।
→ \ - ?='N ‘ ms¯’v wn‡m‡e evsjv‡`k‡K . 6
N ’। # 6 / !( / (Soft Loan) - _#। 0
5<' N ' .' । v M / \ =0 T ‘0 ’। IBRD ‡K ejv nq
N ,@ / t 3 l i # ! / …-
ÔHard Loan Window’.
5<' N ।
Bb‡mckb WvB‡R÷ (evsjv‡`k welqvewj) 462
RvZxq Avq-e¨q ev‡RU- 2019-20
0 -' ' (National Income) KZZg ev‡RU? 49Zg
→ RvZxq Avq cÖKv‡ki wewfbœ gva¨g- ‡NvlYv K‡ib Av n g gy¯Ídv Kvgvj
‡gvU RvZxq Drcv`b (GNP) ev‡RU †ck nq 13 Ryb, 2019
bxU RvZxq Drcv`b (NNP) ev‡RU cvm nq 30 Ryb, 2019
‡gvU †`kR Drcv`b (GDP) Kvh©Ki nq 01 RyjvB, 2019
cÖkœ t eZ©gvb
→ # # / 5 t Z- B ev‡R‡Ui AvKvi 523,190 ‡KvwU UvKv A_©eQ‡i miKvi
(wRwWwci 18.13%)
6 )K 9 0 -' ' . )8. .'। cÖe„w×i nvi KZ
‡gvU Avq 381,978 †KvwU UvKv
5 t .
9 B ) T -' n‡e e‡j Abygvb
7 )0 ' 0 -' ' )q82|। )K , GDP
ivR¯^ Avq 377,810 †KvwU UvKv
GwWwc 2,02,721 †KvwU UvKv K‡i‡Qb? [ ¯^v¯’¨
B GNP 58' 0 -' ' B 82|। I cwievi
→ GDP – Gross Domestic Product )K 8 g~j¨ùxwZi jÿ¨gvÎv 5.5%
Kj¨vY gš¿Yvjq
-' 7 : 5 / 5 AbywgZ cÖe„w× 8.2%
(DcmnKvix
GDP 3 । )K· -; 2019 )^ m‡ev©”P LvZ RbcÖkvmb (18.50% kZvsk)
cÖ‡KŠkjx-
GDP # 2% % % Gi Ae`vb 51.26
wmwfj) 2019]
kZvsk| # & B : % , N % Gi Ae`vb h_vµ‡g 13.60 wKQz A_©‰bwZK cwifvlv
kZvsk Ges 35.14 kZvsk। K 2 '
0/ À
= . 1909 _ । wRwWwc‡Z K…wli Ae`vb µgk
(Revenue Budget) 0‰ % ' . 0‰
n«vmgvb Ges wk‡íi Ae`vb evo‡Q|
0‰ 0/ 0/ ।
→ GNP # 9=Š . Gross National Product )K (Development 5<' % ' . 5<'
8 . -' 7 : 5 Budget) 5<' 0/ .'।
/ 5 . GNP। 6% ' B U 0/
' ¾ .' % GDP B GNP # .'। (Surplus Budget) 0‰ % '- ' .
5…:H 0/ 5<' 0/ ।
→ / 0 -' ' œ /0 %
(Deficit Budget) ' # ' . /
' 87 6 1 1 B' 6 ', œ
/ 0/ 0/ ।
K 2 '। 0 7 s- 0- - 6 (Supplementary K G9 0/
B )K· ) T 0 ;i K 2 ' Budget) .'। )K 9 0/
K / . 0 । / ' = Y, / G9 0/ 2 ' ' ' ; i 6 0/
0 % = P. K 2 7& ' = Y/P। .' G9 0/ ।
→ miKvwi Av‡qi Drmmg~n- AveMvwi I ïé, g~j¨
ms‡hvRb Ki, evwYR¨ ïé, AvqKi, ÷¨v¤ú, f~wg ivR¯^bxwZ I evwl©K Dbœqb Kg©m~wP
ivR¯^, miKvix e¨vsK I exgv cÖwZôvb, †iwR‡÷ªkb, ivR¯^bxwZ
wewfbœ ai‡bi my`, ivóªvqË wkí BZ¨vw`| → 0‰ K? ;B ;x )q89| K ।
→ miKv‡ii e¨q `yB cÖKv‡ii n‡q _v‡K| K. Dbœqb e¨q ' .8 7 8<
(†hgb-ADP) Ges L. Abybœqb e¨q| K । 3' - ' .' ; K ।#;i
Value Added Tax VAT # 89 )Z7= । ;
→ ADP Gi AšÍM©Z LvZmg~n- wkí, we`y¨r, cjøx Dbœqb, # / ![[! ! 02 K 3 2 .' 6 !E%
†hvMv‡hvM, ¯^v¯’¨, RbmsL¨v, wkÿv, cwienb cÖfw… Z| . 6 .'। VAT ev g~j¨ ms‡hvRb Ki (g~mK) w`em
cvwjZ nq 10 wW‡m¤^i|
RvZxq ev‡RU → ? ; : ? ; . 7 'B G
→ 0/ – ˆ )K L '- ' ' : 0‰। 6 - AvqKi I f~wgKi| cÖkœ t g~j¨
. – 0/ )8. .'। → ; : ; . = B 5 B ms‡hvRb Ki
→ !QF! _ 5 . ?K 0/ = w', -B U # )8 q -= - =0 GKwU- [‡lvok
# ‰ - 05 O . ?K 0/ 5 । 6 - g~j¨ ms‡hvRb Ki, wbeÜb (K‡jR
= । AveMvwi ïé। ch©vq) 2019]
→ #% 6q )K •- 12 . Ges Aveyj gvj Ave`yj → AvqKi : †Kvb e¨w³ ev cÖwZôv‡bi Dci avh©KZ
… Ki‡K
gywnZ ‡hŠ_fv‡e 0/ (12wU K‡i) = - wn‡m‡e ejv nq AvqKi| AvqKi cÖ`v‡b e¨_© Ki`vZv‡K †Ljvcx
% । Ki`vZv ejv nq|
‡bvU Kiæb
‡`‡ki cÖ_g ZijxK…Z cÖvK…wZK M¨vm Uvwg©bvj wbwg©Z ¯’vwcZ n‡q‡Q- g‡nkLvjx|
| [cÖavbgš¿xi Kvh©vjqvaxb Awa`߇ii wewfbœ c` (mnKvix cwiPvjK) 2019]
Bb‡mckb WvB‡R÷ (evsjv‡`k welqvewj) 468
e¨vsK I exgv e¨e¯’vcbv ‘ ’ 3 - Y /_
5 . 3 2 .' । 8 -' 5 . ?K S _ B / - S ‡_ _ 3 /_
?K •-' ‘ 08 ) ‡_' ’; !["E ¤S h। T 3 2 - /_
cÖvwZôvwbKfv‡e we‡k^i cÖ_g e¨vsK mvbwm e¨vsK, Pxb (wLª÷c~e© B ' 1' Uªv÷/ RS /_
600 A‡ã)| we‡k^i cÖ_g miKvwi e¨vsK- e¨vsK Ae †fwbm, . - : 3 -
BZvwj (1157 wLª.)| we‡k^i me©cÖ_g mvsMVwbK e¨vsK e¨vsK Ae
ev‡m©‡jvbv, †¯úb (1401 wLª.)| fviZxq Dcgnv‡`‡ki cÖ_g e¨vs‡Ki †kÖwYwefvM
AvaywbK e¨vsK `¨v wn›`y¯v’ b e¨vsK wjwg‡UW (1700 wLª.)| K. †K›`ªxq e¨vsK
fvi‡Zi cÖ_g †K›`ªxq e¨vsK B‡¤úwiqvj e¨vsK Ae BwÛqv 6 • )K T B T 7u B
(1920)| fvi‡Zi eZ©gvb †K›`ªxq e¨vsK `¨v wiRvf© e¨vsK Ae ' • .', •-' । 6 : ।
BwÛqv (1935 wLª.)| evsjv‡`‡k mKj evwYwR¨K e¨vsK‡K •-' 0 .
9 :
RvZxqKiY Kiv nq 1972 mv‡j| o t
2 B / ?3 (Issue of coins and notes) : /
→ evsjv‡`‡k e¨vsK weivóªxqKiY ev †emiKvixKiY bxwZ C ;i •-' C : 9 "(% 08
ev¯Íevqb ïiæ nq 1983 mv‡j| cÖ_g †emiKvixK…Z %।
evwYwR¨K e¨vs‡Ki bvg cyevjx e¨vsK wj. I DËiv e¨vsK o 2 - ?=' B '•= (Determining and controlling
t
wjwg‡UW| the principles of currency)
→ R0 : 82| .
9 6 = )K o t
2 08 ;= (Maintaining foreign
. 0 % K R0 currency reserve)
। ¢| .
9 ?=' .'- o p 08 ;= (Maintaining reserves of
n¯ÍvšÍi‡hvM¨ `wjj AvBb 1881 mv‡j banks)
‰e‡`wkK wewbgq wbqš¿Y AvBb 1947 mv‡j o '. '•= (Control of exchange rate)
G ![[! o c= '•= (Credit control)
G - ![[J o (Govt. Banker)
o )4 4 (Banker as on other banks)
→ CAMELS Rating
9. 6Ç B K ) T 9 ' ; o 6 (Acting as a clearing house)
q0 u # ? o c= (Lender of the last resort)
। )1 / : ˆ8 I
B ' .9 . ? U 8< % 7 ? L. evwYwR¨K e¨vsK
È = 8H / (A, B, C, D, E Z_) .'। 6 0 7= \ )K . % #
- =0 B N? s ‰N ' - c= ',
C= Capital Adequacy E= Earning, =0 .'। 6 : - , 0 ,
A = Asset Quality L= Liquidity 2 - । ' w =0 6 9
M = Management S = Sensivity to market risk. Z. , 9 (Paid Up Capital) ।
→ Stress Testing is related to assess health of BASEL-III # B ' =0 p
Banking institutions. 9 ' : 9 B ; . J(( // ,
→ G ![[! … '•
.'। 6 9 ; @(( / / । =0
” '•= )K •= ' Ministry ) 9. 6 --
(of Finance। o Z. (Deposit Collection)
o c= (Providing Credit)
→ ECAI # 9=Š . External Credit o c= :ˆ (Creating of Loan Deposit)
Assessment Institution. o ' :ˆ (Creating of Medium of
e¨vswKs †m±‡i cÖ_g/e„nËg hv wKQz- Exchange)
?K # 0‡/ 3 2 - e¨vsK Gwkqv wjwg‡UW o )8 q -= B =0 .' (Aids in
?K ‡gvevBj e¨vswKs, _3 Domestic and Foreign Trade)
GmGgGm e¨vswKs 3 2 - /_ (@(!!) o } = (Discounting of Bills)
.: H =0 - - /_ o )K T q (Money Transfer)
?K _ 3 2 - 0 /_ o 9 7u (Capital Formation)
?K “-' = : - 5H /_ o ' 7 (Investment)
?K - -' . 8 H - M. we‡klvwqZ e¨vsK
- /_ 7 s- % 5<' 04 6 ? s
?K ‡emiKvwi evwYwR¨K - # /_ 8 , ' ।
Bb‡mckb WvB‡R÷ (evsjv‡`k welqvewj) 469
evsjv‡`‡k wewfbœ ai‡bi e¨vsK Ab¨vb¨ Z_¨
→ evsjv‡`‡k eZ©gvb ZvwjKfz³ e¨vsK 59wU| (evsjv‡`k → me‡P‡q †ewk ATM Booth (24/7 e¨envi‡hvM¨)
e¨vs‡Ki I‡qe mvBU I A_©‰bwZK mgxÿv- 2019) Gi i‡q‡Q WvP evsjv e¨vs‡Ki| WvP evsjv e¨vsK me©cÖ_g
g‡a¨ miKvwi evwYwR¨K e¨vsK 6wU, we‡klvwqZ e¨vsK dv÷ UªvK e¨vswKs Pvjy K‡i|
cwieZ©bkxj 3wU, †emiKvwi evwYwR¨K e¨vsK 41wU (33wU → evsjv‡`‡k Credit card, ATM card, Offshore
Conventional Bank + 8wU Bmjvgx kwiqvn wfwËK Banking Unit Pvjy K‡i Standard Chartered
Z_¨| e¨vsK) Ges 9wU we‡`wk evwYwR¨K e¨vsK| (m~Î- e¨vsK|
Avc‡WU www.bb.org.bd/fnansys/bankfi.php → MÖvgxY e¨vs‡Ki cÖwZôv W. †gvnv¤§` BDbym| MÖvgxY
→ evsjv‡`k e¨vs‡Ki Z_¨ †gvZv‡eK Zdwmj ewnf©yZ e¨vs‡Ki e¨vs‡Ki AbyKi‡Y cÖwZwôZ hy³iv‡óª cÖ_g e¨vsK ÔThe
Rvb‡Z msL¨v 05wU (Avbmvi wfwWwc Dbœqb e¨vsK, Kg©ms¯’vb e¨vsK, Good Faith Bank.
n‡e MÖvgxY e¨vsK, Rywewj e¨vsK, cjøx mÂq e¨vsK) → IMF (International Monetary Fund) Gi
→ eZ©gv‡b evsjv‡`‡k e¨vsK ewnf©yZ A_©‰bwZK cÖwZôv‡bi evsjv‡`k Kvh©vjq AvMviMvuI, XvKv| AvšÍR©vwZK wewbgq
msL¨v 34wU (m~Î- A_©‰bwZK mgxÿv- 2019 I evsjv‡`k
nv‡ii w¯’wZkxjZv weav‡bi cÖavb mgš^qKvix IMF.
e¨vs‡Ki I‡qemvBU)
→ Off-shore Bank n‡jv AvgvbZKvixi wbR †`‡ki
evB‡i Aew¯’Z GK ai‡bi e¨vsK hv K‡ii AvIZvgy³
•-' । 9 ‘State bq| GB myweav‡K Kv‡R jvwM‡q cvbvgv †ccvm©
Bank of Pakistan’। Bangladesh Bank Order, 1972 †K‡j¼vwi NU‡Z †`Lv hvq|
Gi gva¨‡g evsjv‡`k e¨vsK cÖwZwôZ nq, Z‡e Kvh©Ki nq !F → International Banking Gi †ÿ‡Î UCPDC-
_ e , ![M! mvj n‡Z| # U ~ b
600, ISBP, Inco Terms Gi wewa †gvZv‡eK ‡jb-
) T । ? 6 ' . / !( / %
‡`b Ki‡Z nq|
' । 6K - ~ b B /, 3}Z , %2 , 0 .-,
/, , p& , 2 , ' .। # #1 → ‡h my‡`i nv‡i †Kvb evwYwR¨K e¨vsK gy`ªv evRv‡i Ab¨
# 6 ' E ' ) T । †Kvb evwYwR¨K e¨vsK‡K ¯^í mg‡qi Rb¨ FY cÖ`vb K‡i
? 78 । 78 ' J Zv‡K Kj gvwb †iU ejv nq|
। 3 78 # Q 0 ( / → evsjv‡`‡k cÖ_g e¨vsK †bvU cÖPjb nq 4 gvP©, 1972|
[ 0 ) ' 7u । G - ![[! … → gwbUvwi cwjwm cÖYqb K‡i evsjv‡`k e¨vsK|
' • .'।
→ miKvwi †bv‡U ¯^vÿi _v‡K A_©mwP‡ei| †hgb- 1,2 UvKv
Zdwmjx e¨vsK → evsjv‡`k e¨vs‡Ki cÖ_g Mfb©i Av. b. g nvwg`yjøvn|
•-' - p # / → evsjv‡`k e¨vs‡Ki ¯’cwZ kwdDj Kv‡`i| e¨vsK †bv‡U
B ;= । # )q82| p •-' Mfb©‡ii ¯^vÿi _v‡K|
- 3 )I- । 6 •-' → BFIU (Bangladesh Financial Intellience Unit)
.
9 ' # ' )q82| .', 82|/
Gi gva¨‡g gvwb jÛvwis wbqš¿Y Kiv nq| BFIU Circular
1 - । 1 - 3 - K. miKvwi ev
No-10 ‡K gvwb jÛvwis wbqš¿‡Y gv÷vi mvK©yjvi ejv nq|
ivóªvqË evwYwR¨K e¨vsK, L. miKvwi gvwjKvbvaxb we‡klvwqZ KvwiMwi mnvqZv †`q hy³ivóª|
e¨vsK, M. ¯’vbxq †emiKvwi evwYwR¨K e¨vsK, N. we‡`wk evwYwR¨K
e¨vsK| → CRR- Cash Reserve Ratio. Gi nvi 6%| SLR-
Statutory Liquidity Reserve. SLR Gi nvi 19%|
KwZcq e¨vs‡Ki c~e©bvg
→ RWA- Risk Weighted Asset. CAR- Capital
Adequacy Ratio. CRG- Credit Risk Grading
- 4 ) - , ? '
(Avw_©K cÖwZôv‡bi Financial solvency wbY©‡qi Rb¨
, ) 8 B' 2
)Z=- . ,
e¨eüZ nq)|
0 5 /_ , 5 ' exgv
Š - 2 ' , S ‡_ _
,)« '
→ ‡`‡k eZ©gv‡b ÑÑÑÑÑÑ wU exgv †Kv¤úvwb i‡q‡Q|
9 - S ‡/ /_ → exgv ‡Kv¤úvwb AvBb- 2010 Abyhvqx evsjv‡`‡ki exgvmg~n
5H S /_ cwiPvwjZ n‡”Q| exgv †Kv¤úvwb A_© gš¿Yvj‡qi Aaxb|
- B '‡/ /_/ → evsjv‡`‡k miKvwi exgv †Kv¤úvwb 02wU| h_v- mvaviY exgv
. /_ K‡c©v‡ikb I Rxeb exgv K‡c©v‡ikb|
- ™ 8S ‡/ /_ → exgv LvZ wbqš¿YKvix cÖwZôvb IDRA.