Laikini panakō ma India? E kiʻi i kahi laikini Banking ma India

Ke ulu mau nei ka ʻoihana panakō ma India a hāʻawi i nā manawa he nui no nā mea hoʻopukapuka a me nā ʻoihana. Eia nō naʻe, no ka hana ʻana i kahi panakō ma India, pono e loaʻa kahi laikini panakō mai ka Reserve Bank of India (RBI). Ma kēia ʻatikala, e nānā mākou i nā koi e kiʻi i kahi laikini panakō ma India a me nā ʻanuʻu e pono ai ʻoe e lawe i laila.

He aha ka laikini panakō ma India?

ʻO ka laikini panakō he ʻae kānāwai i hāʻawi ʻia e ka Reserve Bank of India (RBI) i kahi hui e hana i kahi panakō ma India. ʻO ka RBI ka mana hoʻoponopono a me ka hoʻomalu no ka waihona kālā ma India a nona ke kuleana no ka hāʻawi ʻana i nā laikini panakō.

ʻElua ʻano o nā laikini panakō ma India:

laikini panakō kalepa
ʻO ka laikini panakō hui

ʻO nā panakō kālepa he mau hui waiwai e hāʻawi ana i nā lawelawe panakō i ka lehulehu o nā mea kūʻai aku, ʻoiai ʻo nā panakō hui he mau hui waiwai ʻole i hoʻokumu ʻia e kōkua i ka poʻe mahiʻai, nā mea hana a me nā ʻoihana liʻiliʻi.

Nā koi e kiʻi i kahi laikini panakō ma India

No ka loaʻa ʻana o kahi laikini panakō ma India, pono kahi hui e hoʻokō i kēia mau kūlana:

1. Hoʻonohonoho ʻĀpana

ʻO ka hui e makemake ana e loaʻa kahi laikini panakō ma India pono e hoʻohui ʻia ma ke ʻano he hui lehulehu a i ʻole he hui palena ʻole. Pono e hoʻopaʻa inoa ʻia ka ʻoihana e like me nā ʻōlelo o ka Companies Act, 2013.

2. Kapena liʻiliʻi

Pono e loaʻa i ka hui ka liʻiliʻi liʻiliʻi o Rs 500 crore no ka loaʻa ʻana o kahi laikini panakō kalepa a me Rs 100 crore no ka loaʻa ʻana o kahi laikini panakō hui.

3. Ka ʻike ma ka ʻoihana panakō

Pono ka ʻoihana i ka ʻike ma ka waihona kālā a i ʻole ka ʻāpana kālā ma kahi o 10 mau makahiki e loaʻa ai kahi laikini panakō kalepa a ma kahi o 5 mau makahiki e loaʻa ai kahi laikini panakō hui.

4. Hoʻokō me nā Kūlana RBI

Pono ka hui e hoʻokō i nā kūlana RBI e pili ana i ka capitalization, ka hoʻokele pilikia, ka hoʻokele hui a me ka hoʻokō kānāwai.

5. Hiki ke hoʻolako i nā lawelawe panakō

Pono ka hui e hāʻawi i nā lawelawe panakō i kahi ākea o nā mea kūʻai aku a pono e loaʻa kahi hoʻolālā ʻoihana paʻa e hoʻokō ai i kēia pahuhopu.

Nā hana e loaʻa ai kahi laikini panakō ma India

Pono e hahai ʻia nā hana aʻe e loaʻa ai kahi laikini panakō ma India:

1. Hoʻomākaukau i ka hoʻolālā ʻoihana

Pono ka hui e hoʻomākaukau i kahi hoʻolālā pāʻoihana kikoʻī e wehewehe ana i nā pahuhopu ʻoihana, nā huahana a me nā lawelawe i hāʻawi ʻia, nā mākeke makaʻāina, nā hoʻolālā kūʻai, nā kuhi kālā, a me nā hoʻolālā ulu.

2. Kumukānāwai o ka hui

Pono e hoʻohui ʻia ka hui ma ke ʻano he hui lehulehu a i ʻole he hui palena ʻia e like me nā ʻōlelo o ka Companies Act, 2013.

3. Noi ka laikini panakō

Pono ka hui e hoʻouna i kahi noi no ka laikini panakō i ka RBI me ka hoʻohana ʻana i ka palapala noi i kuhikuhi ʻia. Pono e hui pū ʻia ka palapala noi me kahi hoʻolālā ʻoihana kikoʻī, kahi hoʻolālā hoʻokō hoʻoponopono, kahi hoʻolālā hoʻokele pilikia a me kahi hoʻolālā hoʻokele hui.

4. Ka loiloi o ka noi

E loiloi ka RBI i ka palapala laikini panakō a hana i kahi nānā hope i ka hui a me kāna mau mea hoʻolaha. Hiki i ka RBI ke noi i ka ʻike hou a i ʻole ka wehewehe ʻana i ka noi.

5. Nānā ma ka pae

E alakaʻi ka RBI i kahi nānā ma ka pūnaewele o ka hui e loiloi i kona hiki ke hāʻawi i nā lawelawe waihona kālā e like me nā kūlana RBI. Hiki i ka nānā ʻana ma ka pūnaewele ke lawe i kekahi mau mahina a pili paha i nā kipa pūnaewele, nā nīnauele me nā limahana hui a me nā loiloi palapala.

6. Hooholo RBI

Ma hope o ka loiloi ʻana i ka palapala laikini panakō a me ka nānā ʻana ma ka pūnaewele, e hoʻoholo ka RBI i ka hāʻawi ʻana i ka laikini panakō. Inā ʻae ʻia ka palapala noi, e hoʻopuka ka RBI i kahi palapala ʻae laikini panakō.

7. Kumukanawai o ka banako

Ma hope o ka loaʻa ʻana o ka palapala ʻae laikini panakō, pono ka hui e hoʻokomo i ka panakō e like me nā ʻōlelo o ka Companies Act, 2013. Pono pū ka panakō i nā kūlana RBI e pili ana i ka capitalization, ka mālama ʻana i nā pilikia, ka hoʻokele hui a me ka hoʻokō kānāwai.

Nā hiʻohiʻona o nā panakō i loaʻa i kahi laikini panakō ma India

Ua loaʻa i kekahi mau panakō i kahi laikini panakō ma India i nā makahiki. Eia kekahi mau laʻana:

1. Kotak Mahindra Bank

Ua hoʻokumu ʻia ʻo Kotak Mahindra Bank ma 1985 ma ke ʻano he ʻoihana hoʻopaʻa waiwai. I ka makahiki 2003, ua loaʻa i ka panakō kahi laikini panakō kālepa mai ka RBI a lilo i panakō kūʻokoʻa mua o India i hoʻololi ʻia i kahi panakō kalepa. I kēia lā, ʻo Kotak Mahindra Bank kekahi o nā waihona pilikino koʻikoʻi o India me kahi pūnaewele o nā lālā 1 a me nā ATM a puni ka ʻāina.

2. Banako Bandhan

Ua hoʻokumu ʻia ʻo Bandhan Bank ma 2001 ma ke ʻano he hui waiwai ʻole e kōkua i nā wahine a me nā keiki ma nā wahi kuaʻāina o India. I ka makahiki 2014, ua hāʻawi ka RBI iā Bandhan Bank i kahi laikini panakō kalepa, e hana ana i ka panakō ka panakō mua i hoʻokumu ʻia ma ka mokuʻāina o West Bengal mai ke kūʻokoʻa ʻana o India. I kēia lā, ʻo Bandhan Bank kekahi o nā waihona pilikino koʻikoʻi o India me kahi pūnaewele o nā lālā 1 a me nā ATM a puni ka ʻāina.

Panina

ʻO ka loaʻa ʻana o kahi laikini panakō ma India kahi hana paʻakikī e pono ai ka hoʻolālā akahele a me ka hoʻokō pono ʻana i nā kūlana RBI. Eia nō naʻe, no ka poʻe ʻoihana a me nā mea hoʻopukapuka i loaʻa i ka laikini panakō, he nui nā manawa i kahi ʻoihana waihona kālā e loli mau ana ma India.