Kya Aapko Peeesayoo Bank Stauks Se Darna Chaahiye

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Kya Aapko Peeesayoo Bank Stauks Se Darna Chaahiye

share baajaar mein kabhi-kabhi aisa vakt aata hai, jab vailyoo inavesting ke chole mein sattebaaji ko badhaava diya jaata hai. Sarkaari bankon ke share mein teji aisa hi maamala hai. Vailyoo inavesting ka matlab share ko vaise vakt mein khareedna hota hai, jab vah kam daam par mil raha ho. Vaheen, business rikvari hone par usaki keemat badhti hai aur tab aapko praufit banaane ka mauka milta hai. December 2013 mein jab thard kvaurtar ke result aae the, tab United bank of India ki haalat bahut kharaab najar aa rahi thi. Sarkaari banking sector mein niraasha dikh rahi thi. Inavestars ke man mein sarkaari bankon ka loan difault badhne ka dar samaaya hua tha. Is vajah se share ki keemat book vailyoo se bhi kam ho gayi thi. Share ki kam keemat aksar sattebaaji ko nyauta deti hai. Aise vakt mein sirf vailyoo inavesting naheen hoti. Vailyoo inavesting mein company ki fyoochar praufit growth aur sales growth par dhyaan diya jaata hai. Usamein sirf price ki baat naheen hoti. Vailyoo inavesting ka koi maikro-ikanaumik aadhaar bhi naheen hota. Aap kisi stock ko inavestameint saaikal shuroo hone ki ummeed mein naheen khareedte. Na hi loan growth ki ummeed par vailyoo inavesting ki jaati hai. Iske bajaay aapko sarkaari bankon ki baileins seat dekhni chaahiye. Yeh pata lagaana chaahiye ki kis vajah se unki vitteeya haalat theek naheen lag rahi hai. Saath hi rikvari ke liye unhein kya karna hoga. Iska matlab yeh hai ki sastenebal saulyooshan se unki business ki dikkatein door hongi. Agar aap dhyaan se dekhein to pata chalega ki sarkaari bank loan dene mein saavadhaani naheen baratate. Khaastaur par tab, jab intarest rate kam hota hai aur loan ki maang kaafi jyaada. Us vakt companiyon ki growth bhi tej hoti hai. Jab business saaikal palatata hai to companiyaan loan par difault karne lagti hain. Ve eksapainshan plaan rok deti hain. Haalaanki, yeh aadha sach hi hai. Doosra pahaloo yeh hai ki loan chukaane ke baare mein companiyaan badha-chadhaakar anumaan lagaati hain. Eset kvauliti ko lekar bhi unamein ati-aatmavishvaas hota hai. Isliye bankon ki baid eset kvauliti ki vajah sirf business chakr mein badlaav naheen hota. Is maamale mein aap sarkaari bankon ki tulana private bankon se kar sakte hain. Unhein bhi sarkaari bankon jaise business saaikal ka saamana karna pada, lekin eset kvauliti ke maamale mein unki haalat bahut achhi hai. Sarkaari bankon ne jab badhte NPA se nipatne ke liye corporate det reestrakcharing (seedeeaar) ka sahaara liya, to haalaat aur kharaab hone lage. Unhein laga ki baid esets ki is tarah se aage chalakar rikvari ho sakti hai. Corporate det reestrakcharing mein loan ko difault kaitegari mein naheen daala jaata. Ismein company ko loan chukaane ke liye kai riyaayatein bhi di jaati hain. RBI ke dakhal dene aur seedeeaar kavar hataane ke baad bankon ki asaliyt is maamale mein saamane I. Jahaan private bank baid eset ke liye sakht provijning ke raaste par chal rahe hain, vaheen sarkaari bank ismein taalamatol karte rahate hain. Sarkaari bankon ke sheyaron mein bahut tej giraavat I thi. Unka NPA jyaada tha aur baileins sheet ki haalat theek karne ke liye unhein kaafi fund ki jaroorat thi. Nai sarkaar aane ke baad maana ja raha hai ki sarkaari bankon ki haalat jald sudharegi. Haalaanki yeh raatonraat naheen hoga. Sarkaari bankon ke management mein sudhaar ke baad hi kendra unhein jaroori paisa dega. Agar business enavaayarameint badalta hai to usase private bankon ko jyaada faayda hoga. Ve loan book kaheen teji se badha sakte hain. Inavestars ko sarkaari bankon mein sattebaaji karte vakt is baat ka dhyaan rakhana chaahiye. Uma shashikaant , emadi , center of inavestameint education end lar ning.

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