Jaaniye, Kya Hain Repo Rate, Rivers Repo Rate Aur CRR. . .

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Jaaniye, Kya Hain Repo Rate, Rivers Repo Rate Aur CRR. . .

Har teen maheene mein kam se kam ek baar reserve bank dvaara aarthik neetiyon ki sameeksha ke dauraan byaaj darein ghataane ya badhaane ki khabarein ham sab padhte hi rahate hain, lekin aam aadmi ko in khabaron mein istemaal kiye gaye shabdon ke baare mein jaanane ki na sirf ichha bani rahati hai, balki is shabdaavali ke arth jaane bina khabar ko samajhna bhi mushkil ho jaata hai. . . To aaie jaante hain, kya hain repo rate, rivers repo rate aur CRR ke arth. . . repo rate Rojamarra ke kaamkaaj ke liye bankon ko bhi badi-badi rakamon ki zaroorat pad jaati hai, aur aisi sthiti mein unke liye desh ke keindreeya bank, yaani bhaarateeya reserve bank (RBI) se rin lena sabse aasaan vikalp hota hai. . . Is tarah ke overnight rin par reserve bank jis dar se unase byaaj vasool karta hai, use repo rate kehte hain. . . Ab aap aasaani se samajh sakte hain ki jab bankon ko kam dar par rin upalabdh hoga, ve bhi graahakon ko aakarshit karne ke liye apni byaaj daron ko kam kar sakte hain, taaki rin lene vaale graahakon mein zyaada se zyaada badhotri ki ja sake, aur zyaada rakam rin par di ja sake. . . Isi tarah yadi reserve bank repo rate mein badhotri karega, to bankon ke liye rin lena mahanga ho jaaega, aur ve bhi apne graahakon se vasool ki jaane waali byaaj daron ko badha deinge. . . rivers repo rate Jaisa iske naam se hi saaf hai, yeh repo rate se ulat hota hai. . . Jab kabhi bankon ke paas din-bhar ke kaamkaaj ke baad badi rakamein bachi rah jaati hain, ve us rakam ko reserve bank mein rakh diya karte hain, jis par RBI unhein byaaj diya karta hai. . . Ab reserve bank is overnight rakam par jis dar se byaaj ada karta hai, use rivers repo rate kehte hain. . . Daraasal, rivers repo rate baajaaron mein nakadi ki taralata ko niyantrit karne mein kaam aati hai. . . Jab bhi baajaaron mein bahut jyaada nakadi dikhaai deti hai, RBI rivers repo rate badha deta hai, taaki bank zyaada byaaj kamaane ke liye apni rakamein uske paas jama kara dein, aur is tarah bankon ke kabje mein baajaar mein chhodne ke liye kam rakam rah jaaegi. . . nakad aarakshit anupaat (CRR) Desh mein laagoo banking niyamon ke tahat pratyek bank ko apni kul cash reserve ka ek nishchit hissa reserve bank ke paas rakhana hi hota hai, jise cash reserve ratio athva nakad aarakshit anupaat (CRR) kaha jaata hai. . . Aise niyam isliye banaae gaye hain, taaki yadi kisi bhi vakt kisi bhi bank mein bahut badi taadaad mein jamaakartaaon ko rakam nikaalne ki zaroorat mahasoos ho, to bank paisa chukaane se inkaar na kar sake. . . CRR aisa saadhan hai, jiski sahaayata se RBI bina rivers repo rate mein badlaav kiye baajaar se nakadi ki taralata ko kam kar sakta hai. . . CRR badhaae jaane ki sthiti mein bankon ko zyaada bada hissa reserve bank ke paas rakhana hoga, aur unke paas rin ke roop mein dene ke liye kam rakam rah jaaegi. . . Isi ke vipreet baajaar mein nakadi badhaane ke liye reserve bank CRR ko ghataaya karta hai. . . Lekin mahatvapoorn tathya yeh hai ki CRR mein badlaav tabhi kiya jaata hai, jab baajaar mein nakadi ki taralata par turant asar na daalna ho, kyonki repo rate aur rivers repo rate mein badlaav ki tulana mein CRR mein kiye gaye badlaav se baajaar par asar zyaada samay mein padta hai. . .

Jaaniye, Kya Hain Repo Rate, Rivers Repo Rate Aur CRR. . . http://www.angrejinews.com/pic/540