Sistemetik Risk Financial System Ka Behad Jatil

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Sistemetik Risk Financial System Ka Behad Jatil

sistemetik risk financial system ka behad jatil aur intar-kanektedet status reguletars aur sarkaar ki mushkilein badha deta hai. Jis cheej se reguletars ki jatilta aur badh jaati hai vah alag-alag area mein faainaneshiyl insteetyooshan ka eksapojar hai kyonki sabhi area ka reguletar alag hota hai. Saath hi yah bhi chinta hoti hai ki kuchhek financial insteetyooshans ke mushkil mane fansane ki keemat samooche financial system ko chukaana pad sakta hai. Yah haalat kuchh vaisi hi hogi jaisa 2008 ke financial kraaisis mein huaa tha. Financial sector lejisletiv rifaurms commission report haal hi mein Bhaarat sarkaar ke saamane pesh ki gayi thi. Ismein sistemetik risk ko difaain kiya gaya hai. Iske mutaabik, 'Ikanaumi ke alag-alag hisson mein intarakanektiviti ke kaaran financial system ki fankshaning jab dharaashaayi hoti hai to use sistemetik risk kehte hain. Iska real ikanaumi par kaafi bura asar padta hai. ' sistemetik risk 2008 ka financial kraaisis apni tarah ki koi pehli ghatna naheen thi. Masalan, 1907 mein America ke banking sector ke mushkil mane fansane se real ikanaumi par bhi dabaav badha tha. Banking kraaisis rokane aur real ikanaumi ki fikr door karne ke liye Federal reserve ko madad ke liye aage aana padta hai. Haalaanki, jaise-jaise ikanaumi devalapd hoti hai financial prodakts kaheen jyaada jatil ho jaate hain. Aise mein central bank ya alag-alag reguletars ke liye financial stebiliti banaae rakhana mushkil ho jaata hai. Aise mane sabhi desh sistemetik risk ka khatra door karne ke raaste khoj rahe hain. Sistemetik risk kaise badhta hai? Aisi kai vajahein hain, jinki vajah se sistemetik risk paida hota hai. Jaise, America mane real-estate sector ki vajah se ek bada inavestamanet bank divaaliya ho gaya. Agar us par lagaam naheen lagaaya jaata to samoocha financial system barbaad ho jaata. America mane jab real estate ki keematein neeche aain to karjadaaron ne difault karna shuroo kar diya. Bankon ne ye loan apne books par naheen diye the. Unhonne ye loan inavestameint bainks aur doosare inavestars ko becha tha. Loan ko dobaara inavestars ko bechne se yah kaafi jatil ho gaya tha. Aise mein maurgej market mein ekabaar difault shuroo huaa to aage badhta hi chala gaya. Ismein kisi ko pata naheen chal raha tha ki kiske paas kya hai aur financial insteetyooshans ne ekadoosare ke saath kaam karna band kar diya tha. Jisse financial market se likviditi khatm ho gayi aur samoocha system taash ke patton ki tarah dhah gaya. Kya sistemetik risk se bacha ja sakta hai ? Yah daleel di jaati hai ki reguletar agencyan aur behtar reguleshan se aise risk kam kiye ja sakte hain.

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