Разрешение финансовых споров в странах АТР Индия. Учебное пособие
.pdfɪɚɫɩɪɟɞɟɥɢɬɟɥɶɧɨɣ ɫɟɬɢ ɜ ɫɬɪɚɧɟ ɱɟɪɟɡ ɧɨɜɭɸ ɩɥɚɬɮɨɪɦɭ ɨɛɦɟɧɚ ɂɧɜɟɫɬɢɰɢɢɜɫɟɦɢɪɧɵɣ ɝɢɝɚɧɬ ɩɥɚɬɟɠɧɵɯ ɪɟɲɟɧɢɣ ©Mastercard»ɡɚɩɭɫɬɢɥ ɫɜɨɸ ɩɟɪɜɭɸ ɬɟɯɧɨɥɨɝɢɱɟɫɤɭɸ ɥɚɛɨɪɚɬɨɪɢɸ ɜ ɝ ɉɭɧɚ ɤɨɬɨɪɚɹ ɩɨɡɜɨɥɢɬ ɂɧɞɢɢɩɟɪɟɣɬɢɤɰɢɮɪɨɜɨɣɷɤɨɧɨɦɢɤɟɢɮɢɧɚɧɫɨɜɨɣɢɧɬɟɝɪɚɰɢɢ ɑɟɬɵɪɟ ɦɟɬɪɨɩɨɥɢɬɟɧɚ ɝɨɪɨɞɨɜ Ⱦɟɥɢ Ɇɭɦɛɚɣ Ȼɚɧɝɚɥɨɪ ɢ ɑɟɧɧɚɢ ɫɦɨɝɭɬ ɩɨɥɭɱɚɬɶ ɜɵɝɨɞɵ ɨɬ ɦɥɪɞ ɞɨɥɥ ɋɒȺ ɜ ɝɨɞ ɩɭɬɟɦ ɭɜɟɥɢɱɟɧɢɹ ɰɢɮɪɨɜɵɯ ɩɥɚɬɟɠɟɣ ©BankBazaar»ɫɬɚɪɬɚɩ ɮɢɧɚɧɫɨɜɨɝɨ ɪɵɧɤɚ ɜ ɂɧɞɢɢ ɩɪɢɜɥɟɤ ɦɥɧ ɞɨɥɥ ɋɒȺ ɜ ɪɚɦɤɚɯ ɷɬɚɩɚ ɮɢɧɚɧɫɢɪɨɜɚɧɢɹ ɩɨɞ ɪɭɤɨɜɨɞɫɬɜɨɦ ©Experian Plc» ɤɪɟɞɢɬɧɨɝɨ ɪɟɣɬɢɧɝɨɜɨɝɨ ɚɝɟɧɬɫɬɜɚ ɪɚɫɩɨɥɨɠɟɧɧɨɝɨ ɜ ȼɟɥɢɤɨɛɪɢɬɚɧɢɢ ɂɧɜɟɫɬɢɰɢɢ ɱɚɫɬɧɨɝɨ ɤɚɩɢɬɚɥɚ ɜ ɂɧɞɢɢ ɭɜɟɥɢɱɢɥɢɫɶ ɧɚ ɞɨ ɦɥɪɞ ɞɨɥɥ ɋɒȺ ɜ ɝ ɩɪɢ ɷɬɨɦ ɫɪɟɞɧɢɣ ɪɚɡɦɟɪ ɫɞɟɥɤɢ ɫɨɫɬɚɜɢɥ ɦɥɧ ɞɨɥɥ ɋɒȺ ɫɨɝɥɚɫɧɨ ɞɚɧɧɵɦ ɩɪɟɞɨɫɬɚɜɥɟɧɧɵɦ ©Venture Intelligenceª ȿɳɟ ɨɞɧɢɦ ɜɚɠɧɵɦ ɤɨɦɩɨɧɟɧɬɨɦ ɮɢɧɚɧɫɨɜɨɣ ɢɧɞɭɫɬɪɢɢ ɂɧɞɢɢ ɹɜɥɹɟɬɫɹ ɫɬɪɚɯɨɜɚɹ ɨɬɪɚɫɥɶ ɋɬɪɚɯɨɜɚɹ ɨɬɪɚɫɥɶ ɪɚɡɜɢɜɚɟɬɫɹ ɛɵɫɬɪɵɦɢ ɬɟɦɩɚɦɢ Ɉɛɳɚɹ ɫɭɦɦɚ ɩɪɟɦɢɣ ɩɨ ɫɬɪɚɯɨɜɚɧɢɸ ɠɢɡɧɢ ɜ ɩɟɪɜɨɦ ɝɨɞɭ ɜɵɪɨɫɥɚ ɧɚ ɩɨ ɫɪɚɜɧɟɧɢɸ ɫ ɚɧɚɥɨɝɢɱɧɵɦ ɩɟɪɢɨɞɨɦ ɝ ɢ ɞɨɫɬɢɝɥɚ ɦɥɪɞ ɞɨɥɥ ɋɒȺ ɜ ɩɟɪɢɨɞ ɫ ɚɩɪɟɥɹ ɝ ɩɨ ɮɟɜɪɚɥɶ ɝ
ɉɪɚɜɢɬɟɥɶɫɬɜɟɧɧɵɟ ɢɧɢɰɢɚɬɢɜɵ ɝ ɜ ɝ Ɇɢɧɢɫɬɟɪɫɬɜɨ ɮɢɧɚɧɫɨɜ ɂɧɞɢɢ ɡɚɩɭɫɬɢɥɨ ɩɨɪɬɚɥ ©ɑɢɫɬɵɟ ɞɟɧɶɝɢª Operation Clean Money Portal ɩɵɬɚɹɫɶɫɨɡɞɚɬɶɩɪɨɡɪɚɱɧɭɸɧɚɥɨɝɨɜɭɸɚɞɦɢɧɢɫɬɪɚɰɢɸȼ ɝ ɩɪɚɜɢɬɟɥɶɫɬɜɨ ɂɧɞɢɢ ɜɟɪɨɹɬɧɨ ɪɚɡɪɟɲɢɬ ɩɪɨɰɟɧɬɧɵɟ ɩɪɹɦɵɟ ɢɧɨɫɬɪɚɧɧɵɟ ɢɧɜɟɫɬɢɰɢɢ foreign direct investment - FDI ɱɟɪɟɡ ɛɚɧɤɢ ɢ ɛɚɧɤɨɦɚɬɵ ɩɨɫɤɨɥɶɤɭ ɷɬɚ ɨɩɟɪɚɰɢɹ ɧɟ ɡɚɬɪɚɝɢɜɚɟɬ ɩɨɥɨɠɟɧɢɹ Ɂɚɤɨɧɚ ɨɛ ɚɝɟɧɬɫɬɜɚɯ ɩɨ ɱɚɫɬɧɵɦ ɰɟɧɧɵɦ ɛɭɦɚɝɚɦPrivate Securities Agencies Regulations Act - PSARA) ɋɨɜɟɬ ɩɨ ɬɨɪɝɨɜɥɟ ɰɟɧɧɵɦɢ ɛɭɦɚɝɚɦɢ ɂɧɞɢɢ Securities Exchange Board of India - SEBI ɪɚɡɪɟɲɢɥ ɛɢɪɠɚɦ ɡɚɩɭɫɤɚɬɶ ɨɩɰɢɨɧɧɵɟ ɤɨɧɬɪɚɤɬɵ ɧɚ ɬɨɜɚɪɧɨɦ ɪɵɧɤɟ ɱɬɨ ɨɛɟɫɩɟɱɢɬ ɛɵ ɧɨɜɵɣ ɢɧɫɬɪɭɦɟɧɬ
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ɪɟɧɬɚɛɟɥɶɧɨɫɬɢɯɟɞɠɢɪɨɜɚɧɢɹɞɥɹɮɟɪɦɟɪɨɜɢɞɪɭɝɢɯɭɱɚɫɬɧɢɤɨɜɪɵɧɤɚ ɋɨɜɟɬ SEBI ɬɚɤɠɟ ɫɦɹɝɱɢɥ ɧɨɪɦɵ ɞɥɹ ɡɚɪɟɝɢɫɬɪɢɪɨɜɚɧɧɵɯ ɢɧɨɫɬɪɚɧɧɵɯ ɩɨɪɬɮɟɥɶɧɵɯ ɢɧɜɟɫɬɨɪɨɜ ɜ ɂɧɞɢɢ ɱɬɨ ɩɨɡɜɨɥɢɥɨ ɢɦ ɪɚɛɨɬɚɬɶ ɱɟɪɟɡ Ɇɟɠɞɭɧɚɪɨɞɧɵɣ ɰɟɧɬɪ ɮɢɧɚɧɫɨɜɵɯ ɭɫɥɭɝ International Financial Services Centre - IFSCɛɟɡ ɩɪɟɞɫɬɚɜɥɟɧɢɹ ɤɚɤɨɣ ɥɢɛɨ ɞɨɩɨɥɧɢɬɟɥɶɧɨɣ ɞɨɤɭɦɟɧɬɚɰɢɢ ɢɥɢ ɩɪɟɞɜɚɪɢɬɟɥɶɧɨɝɨ ɩɪɨɰɟɫɫɚ ɭɬɜɟɪɠɞɟɧɢɹ ɋɨɜɟɬ SEBI ɩɥɚɧɢɪɭɟɬ ɩɪɟɞɨɫɬɚɜɢɬɶ ɢɧɜɟɫɬɨɪɚɦ ɜɨɡɦɨɠɧɨɫɬɶ ɫɨɜɟɪɲɚɬɶ ɨɩɟɪɚɰɢɢ ɫ ɩɚɟɜɵɦɢ ɢɧɜɟɫɬɢɰɢɹɦɢ ɫɬɨɢɦɨɫɬɶɸ ɞɨ ɪɭɩɢɣ ɞɨɥɥɚɪɨɜ ɋɒȺ ɜ ɦɟɫɹɰ ɱɟɪɟɡ ɰɢɮɪɨɜɵɟ ɤɨɲɟɥɶɤɢ ɜ ɪɚɦɤɚɯ ɫɜɨɢɯ ɭɫɢɥɢɣ ɩɨ ɨɰɢɮɪɨɜɤɟ ɩɪɨɰɟɫɫɨɜ ɪɚɫɩɪɟɞɟɥɟɧɢɹ ɞɥɹ ɜɫɟɯ ɮɢɧɚɧɫɨɜɵɯ ɩɪɨɞɭɤɬɨɜ
ȼ ɡɚɤɥɸɱɟɧɢɟ ɫɥɟɞɭɟɬ ɩɨɞɱɟɪɤɧɭɬɶ ɱɬɨ ɜ ɩɨɫɥɟɞɧɢɟ ɝɨɞɵ ɩɪɚɜɢɬɟɥɶɫɬɜɨ ɂɧɞɢɢ ɨɫɭɳɟɫɬɜɢɥɨ ɪɹɞ ɪɟɮɨɪɦ ɧɚɩɪɚɜɥɟɧɧɵɯ ɧɚ ɥɢɛɟɪɚɥɢɡɚɰɢɸ ɭɫɢɥɟɧɢɟ ɪɟɝɭɥɢɪɨɜɚɧɢɹ ɢ ɭɤɪɟɩɥɟɧɢɟ ɮɢɧɚɧɫɨɜɨɣ ɨɬɪɚɫɥɢ ɉɪɚɜɢɬɟɥɶɫɬɜɨ ɢ Ɋɟɡɟɪɜɧɵɣ ɛɚɧɤ ɂɧɞɢɢ ɩɪɢɧɹɥɢ ɪɚɡɥɢɱɧɵɟ ɦɟɪɵ ɞɥɹ ɨɛɥɟɝɱɟɧɢɹ ɞɨɫɬɭɩɚ ɤ ɮɢɧɚɧɫɚɦ ɞɥɹ ɦɢɤɪɨ ɦɚɥɵɯ ɢ ɫɪɟɞɧɢɯ ɩɪɟɞɩɪɢɹɬɢɣMicro, Small and Medium Enterprises - MSMEsɗɬɢ ɦɟɪɵ ɜɤɥɸɱɚɸɬ ɜ ɫɟɛɹ ɡɚɩɭɫɤ ©ɋɯɟɦɵ ɤɪɟɞɢɬɧɨɝɨ ɮɨɧɞɚ ɞɥɹ ɦɢɤɪɨ ɢ ɦɚɥɵɯ ɩɪɟɞɩɪɢɹɬɢɣªCredit Guarantee Fund Scheme for Micro and Small Enterprisesɜɵɞɚɱɭ ɪɟɤɨɦɟɧɞɚɰɢɣ ɛɚɧɤɚɦ ɜ ɨɬɧɨɲɟɧɢɢ ɬɪɟɛɨɜɚɧɢɣ ɨɛɟɫɩɟɱɟɧɢɹ ɢ ɫɨɡɞɚɧɢɟ Ⱥɝɟɧɬɫɬɜɚ ɩɨ ɪɚɡɜɢɬɢɸ ɢ ɪɟɮɢɧɚɧɫɢɪɨɜɚɧɢɸ ɦɢɤɪɨɩɪɟɞɥɨɠɟɧɢɣMicro Units Development and Refinance Agency - MUDRA
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ɋɬɪɚɯɨɜɚɧɢɟ ɜɤɥɚɞɨɜ ɜ ɂɧɞɢɢ
Ⱦɢɪɟɤɬɨɪ ɪɚɫɩɨɪɹɞɢɬɟɥɶ Ɇɟɠɞɭɧɚɪɨɞɧɨɝɨ ɜɚɥɸɬɧɨɝɨ ɮɨɧɞɚ ɆȼɎ Ʉɪɢɫɬɢɧ Ʌɚɝɚɪɞ ɜɵɫɬɭɩɚɹ ɚɩɪɟɥɹ ɝɨɞɚ ɡɚɹɜɢɥɚ ɱɬɨ ɪɨɫɬ ɦɢɪɨɜɨɣ ɷɤɨɧɨɦɢɤɢɩɪɨɞɨɥɠɚɟɬɫɹɩɨɫɥɟɞɨɜɚɬɟɥɶɧɨɢɧɟɭɤɥɨɧɧɨɨɞɧɚɤɨɝɥɨɛɚɥɶɧɨɟ ɜɨɫɫɬɚɧɨɜɥɟɧɢɟ ɷɤɨɧɨɦɢɤɢ ɬɪɟɛɭɟɬ ɡɧɚɱɢɬɟɥɶɧɵɯ ɦɟɪ ɩɪɟɞɨɫɬɨɪɨɠɧɨɫɬɢ ɬ ɤ ɨɛɨɫɬɪɟɧɧɚɹ ɮɢɧɚɧɫɨɜɚɹ ɭɹɡɜɢɦɨɫɬɶ ɤɪɟɞɢɬɧɵɯ ɨɪɝɚɧɢɡɚɰɢɣ ɧɢɡɤɚɹ ɩɪɨɢɡɜɨɞɢɬɟɥɶɧɨɫɬɶɬɪɭɞɚɢɪɚɫɬɭɳɟɟɧɟɪɚɜɟɧɫɬɜɨɦɨɠɟɬɜɥɸɛɨɣɦɨɦɟɧɬ ɪɚɡɪɭɲɢɬɶ ɜɨɫɫɬɚɧɨɜɥɟɧɢɟ ɷɤɨɧɨɦɢɤɢ Ɉɞɧɨɣ ɢɡ ɬɚɤɢɯ ɦɟɪ ɩɪɟɞɨɫɬɨɪɨɠɧɨɫɬɢ ɹɜɥɹɟɬɫɹ ɫɢɫɬɟɦɚ ɫɬɪɚɯɨɜɚɧɢɹ ɜɤɥɚɞɨɜ Ɇɧɨɝɨɱɢɫɥɟɧɧɵɟ ɮɢɧɚɧɫɨɜɵɟɤɪɢɡɢɫɵɯ ɯɝɨɞɨɜ ɜɟɤɚɢɤɚɤɫɥɟɞɫɬɜɢɟ ɦɚɫɫɨɜɵɣ ɨɬɬɨɤɜɤɥɚɞɱɢɤɨɜɢɡɮɢɧɚɧɫɨɜɵɯɭɱɪɟɠɞɟɧɢɣɩɨɬɪɟɛɨɜɚɥɢɨɬɮɢɧɚɧɫɢɫɬɨɜ ɩɟɪɟɫɦɨɬɪɟɬɶ ɫɬɚɪɵɟ ɩɪɚɜɢɥɚ ɤ ɨɛɟɫɩɟɱɟɧɢɸ ɢɧɬɟɪɟɫɨɜ ɜɤɥɚɞɱɢɤɨɜ ɋɨɡɞɚɧɢɟ ɧɚɰɢɨɧɚɥɶɧɨɣ ɫɢɫɬɟɦɵ ɫɬɪɚɯɨɜɚɧɢɹ ɜɤɥɚɞɨɜ ɩɨɡɜɨɥɢɥɨ ɭɫɢɥɢɬɶ ɝɚɪɚɧɬɢɢ ɡɚɳɢɬɵɩɪɚɜɜɤɥɚɞɱɢɤɨɜɢɤɚɤɫɥɟɞɫɬɜɢɟɫɬɢɦɭɥɢɪɨɜɚɥɨɩɪɢɬɨɤɞɟɧɟɠɧɵɯ ɫɪɟɞɫɬɜ ɜ ɛɚɧɤɢ ɋɭɬɶ ɞɚɧɧɨɣ ɫɢɫɬɟɦɵ ɡɚɤɥɸɱɚɥɚɫɶ ɜ ɜɨɡɦɨɠɧɨɫɬɢ ɜɤɥɚɞɱɢɤɚ ɩɨɥɭɱɢɬɶɞɟɧɟɠɧɭɸɤɨɦɩɟɧɫɚɰɢɸɩɨɜɤɥɚɞɚɦɜɨɱɟɧɶɤɨɪɨɬɤɢɟɫɪɨɤɢɩɪɢ ɧɚɫɬɭɩɥɟɧɢɢ ɫɬɪɚɯɨɜɨɝɨ ɫɥɭɱɚɹ ɋɩɟɰɢɚɥɶɧɨ ɫɨɡɞɚɧɧɚɹ ɨɪɝɚɧɢɡɚɰɢɹ ɜɨɡɦɟɫɬɢɜ ɜɤɥɚɞɱɢɤɭ ɜɦɟɫɬɨ ɛɚɧɤɚ ɨɩɪɟɞɟɥɟɧɧɭɸ ɫɭɦɦɭ ɟɝɨ ɧɚɤɨɩɥɟɧɢɣ ɫɬɚɧɨɜɢɬɫɹ ɤɪɟɞɢɬɨɪɨɦ ɛɚɧɤɚ ɩɪɢɧɢɦɚɟɬ ɧɟɨɛɯɨɞɢɦɵɟ ɦɟɪɵ ɞɥɹ ɜɨɡɜɪɚɬɚ ɫɪɟɞɫɬɜ ɢ ɡɚɧɢɦɚɟɬ ɟɝɨ ɦɟɫɬɨ ɜ ɨɱɟɪɟɞɢ ɤɪɟɞɢɬɨɪɨɜ ɚ ɞɚɥɶɧɟɣɲɟɦ ɫɚɦɚ ɜɵɹɫɧɹɟɬɨɬɧɨɲɟɧɢɹɫɛɚɧɤɨɦɩɨɜɨɡɜɪɚɬɭɩɪɨɛɥɟɦɧɨɣɡɚɞɨɥɠɟɧɧɨɫɬɢɉɨ ɫɭɦɦɚɦ ɩɪɟɜɵɲɚɸɳɢɦ ɩɪɟɞɟɥɶɧɭɸ ɫɭɦɦɭ ɤɨɦɩɟɧɫɚɰɢɢ ɭɫɬɚɧɨɜɥɟɧɧɭɸ ɡɚɤɨɧɨɦ ɪɚɫɱɟɬɵ ɩɪɨɜɨɞɹɬɫɹ ɜ ɯɨɞɟ ɥɢɤɜɢɞɚɰɢɨɧɧɵɯ ɩɪɨɰɟɞɭɪ ɧɟɩɨɫɪɟɞɫɬɜɟɧɧɨ ɫ ɜɤɥɚɞɱɢɤɨɜ ɬ ɟ ɜɟɪɨɹɬɧɨɫɬɶ ɜɨɡɜɪɚɬɚ ɟɦɭ ɞɟɧɟɝ ɦɚɥɚ Ⱦɚɧɧɨɟ ɫɬɪɚɯɨɜɚɧɢɟ ɞɟɣɫɬɜɭɟɬ ɜ ɫɢɥɭ ɡɚɤɨɧɚ ɢ ɧɟ ɬɪɟɛɭɟɬ ɞɨɩɨɥɧɢɬɟɥɶɧɨɝɨ
Ⱥɪɬɟɦɶɟɜɚ ɘɥɢɹ Ⱥɥɟɤɫɚɧɞɪɨɜɧɚ Ɋɨɫɫɢɣɫɤɢɣ ɭɧɢɜɟɪɫɢɬɟɬ ɞɪɭɠɛɵ ɧɚɪɨɞɨɜ ɊɍȾɇ ɘɪɢɞɢɱɟɫɤɢɣ ɢɧɫɬɢɬɭɬ Ʉɚɧɞɢɞɚɬ ɸɪɢɞɢɱɟɫɤɢɯ ɧɚɭɤ ɞɨɰɟɧɬ ɞɨɰɟɧɬ ɤɚɮɟɞɪɵ ɝɪɚɠɞɚɧɫɤɨɝɨ ɩɪɚɜɚ ɢ ɩɪɨɰɟɫɫɚ ɢ ɦɟɠɞɭɧɚɪɨɞɧɨɝɨ ɱɚɫɬɧɨɝɨ ɩɪɚɜɚ7UDQVFULSW RI 3UHVV &RQIHUHQFH E\ ,0) 0DQDJLQJ 'LUHFWRU &KULVWLQH /DJDUGH$SULO KWWSV ZZZ LPI RUJ HQ 1HZV$UWLFOHV WU SUHVV FRQIHUHQFH E\ LPI PDQDJLQJ GLUHFWRU FKULVWLQH ODJDUGH GDWH RI WKH DSSOLFDWLRQ
ɨɮɨɪɦɥɟɧɢɹ ɞɨɝɨɜɨɪɚ ɫɬɪɚɯɨɜɚɧɢɹ Ⱦɟɣɫɬɜɟɧɧɨɫɬɶ ɷɬɨɝɨ ɦɟɯɚɧɢɡɦɚ ɛɵɥɚ ɩɪɨɜɟɪɟɧɚ ɜɪɟɦɟɧɟɦ ɜɨ ɦɧɨɠɟɫɬɜɟ ɫɬɪɚɧ ɦɢɪɚ ȼ ɧɚɫɬɨɹɳɟɟ ɜɪɟɦɹ ɞɚɧɧɵɣ ɦɟɯɚɧɢɡɦ ɫɭɳɟɫɬɜɭɟɬ ɛɨɥɟɟ ɱɟɦ ɜ ɞɟɜɹɧɨɫɬɨ ɩɹɬɢ ɫɬɪɚɧɚɯ ɦɢɪɚ Ⱦɢɪɟɤɬɢɜɨɣ ȿɜɪɨɩɟɣɫɤɨɝɨ ɫɨɨɛɳɟɫɬɜɚ ɨ ɫɢɫɬɟɦɚɯ ɝɚɪɚɧɬɢɣ ɩɨ ɞɟɩɨɡɢɬɚɦ ɨɬ ɦɚɹ ɝɨɞɚDirective 94/19/EC of the European Parliament and of the Council of 30 May 1994 on deposit-guarantee schemes, 94/19/ȿɋɛɵɥɚ ɭɫɬɚɧɨɜɥɟɧɚ ɨɛɹɡɚɧɧɨɫɬɶ ɞɥɹ ɜɫɟɯ ɫɬɪɚɧ ɜɯɨɞɹɳɢɯ ɜ ȿɋ ɡɚɤɨɧɨɞɚɬɟɥɶɧɨ ɡɚɤɪɟɩɢɬɶ ɫɢɫɬɟɦɭ ɫɬɪɚɯɨɜɚɧɢɹ ɞɟɩɨɡɢɬɨɜ ȼ ɫɜɹɡɢ ɫ ɦɧɨɝɨɱɢɫɥɟɧɧɵɦɢ ɜɧɨɫɢɦɵɦɢ ɞɨɩɨɥɧɟɧɢɹɦɢ ɞɚɧɧɚɹ ɞɢɪɟɤɬɢɜɚ ɫ ɢɸɥɹ ɝ ɛɵɥɚ ɨɬɦɟɧɟɧɚ ȼ ɧɚɫɬɨɹɳɟɟ ɜɪɟɦɹ ɞɟɣɫɬɜɭɟɬ Ⱦɢɪɟɤɬɢɜɚ ȿɜɪɨɩɟɣɫɤɨɝɨ ɉɚɪɥɚɦɟɧɬɚ ɢ ɋɨɜɟɬɚ ȿɋ ȿɋ ɨɬ ɚɩɪɟɥɹ ɝ ɨ ɩɪɨɝɪɚɦɦɚɯ ɩɨ ɡɚɳɢɬɟ ɛɚɧɤɨɜɫɤɢɯ ɜɤɥɚɞɨɜDirective 2014/49/UE du Parlement européen et du Conseil du 16 avril 2014 relative aux systèmes de garantie des dépôts ȼ ɫɢɥɭ ɞɚɧɧɨɣ ɞɢɪɟɤɬɢɜɵ ɜɫɟ ɤɪɟɞɢɬɧɵɟ ɭɱɪɟɠɞɟɧɢɹ ɜɯɨɞɹɳɢɟ ɜ ɩɪɨɝɪɚɦɦɭ ɝɚɪɚɧɬɢɢ ɞɟɩɨɡɢɬɨɜ ɨɛɹɡɚɧɵ ɨɤɚɡɵɜɚɬɶ ɞɪɭɝ ɞɪɭɝɭ ɜɡɚɢɦɧɭɸ ɩɨɞɞɟɪɠɤɭ ɜ ɰɟɥɹɯ ɧɟɞɨɩɭɳɟɧɢɹ ɧɟɩɥɚɬɟɠɟɫɩɨɫɨɛɧɨɫɬɢ ȼ ɫɥɭɱɚɟ ɩɨɬɟɪɢ ɩɥɚɬɟɠɟɫɩɨɫɨɛɧɨɫɬɢ ɤɪɟɞɢɬɧɨɣ ɨɪɝɚɧɢɡɚɰɢɢ ɝɚɪɚɧɬɢɪɭɟɬɫɹ ɜɨɡɦɟɳɟɧɢɟ ɜɤɥɚɞɱɢɤɨɜ ɫɭɦɦ ɞɨ ɟɜɪɨ Ⱦɚɧɧɵɣ ɢɧɫɬɢɬɭɬ ɫɭɳɟɫɬɜɭɟɬ ɢ ɜ ɧɚɲɟɣ ɫɬɪɚɧɟ ȼ ɫɨɨɬɜɟɬɫɬɜɢɢ ɫ Ɏɟɞɟɪɚɥɶɧɵɦ ɡɚɤɨɧɨɦ ©Ɉ ɫɬɪɚɯɨɜɚɧɢɢ ɜɤɥɚɞɨɜ ɮɢɡɢɱɟɫɤɢɯ ɥɢɰ ɜ ɛɚɧɤɚɯ Ɋɨɫɫɢɣɫɤɨɣ Ɏɟɞɟɪɚɰɢɢª ɩɨ ɫɨɫɬɨɹɧɢɸ ɧɚ ɝ ɜɤɥɚɞɵ ɜ ɤɪɟɞɢɬɧɵɯ ɭɱɪɟɠɞɟɧɢɹɯ ɧɚɯɨɞɹɬɫɹ ɩɨɞ ɡɚɳɢɬɨɣ Ⱥɝɟɧɬɫɬɜɚ ɩɨ ɫɬɪɚɯɨɜɚɧɢɸ
ɇɨɜɢɤɨɜ Ɋ ɇ ɉɪɨɛɥɟɦɵ ɫɬɪɚɯɨɜɚɧɢɹ ɞɟɧɟɠɧɵɯ ɫɪɟɞɫɬɜ ɧɚ ɫɱɟɬɚɯ ɧɨɬɚɪɢɭɫɨɜ ɢ ɚɞɜɨɤɚɬɨɜ ɘɪɢɫɬ ȼɍɁɚ 1 ɋ'LUHFWLYH (& RI WKH (XURSHDQ 3DUOLDPHQW DQG RI WKH &RXQFLO RI 0D\ RQ GHSRVLW JXDUDQWHH VFKHPHV ȿɋ 2IILFLDO-RXUQDO RI WKH (XURSHDQ &RPPXQLWLHV / ɪ KWWS HXU OH[ HXURSD HX OHJDO FRQWHQW (1 7;7 "XUL 2-/ 72& GDWH RI WKH DSSOLFDWLRQ'LUHFWLYH 8( GX 3DUOHPHQW HXURSpHQ HW GX &RQVHLO GX DYULO UHODWLYH DX[ V\VWqPHV GH JDUDQWLH GHV GpS{WV 2IILFLDO-RXUQDO RI WKH (XURSHDQ &RPPXQLWLHV 1 /ɪ KWWS HXU OH[ HXURSD HX OHJDO FRQWHQW )5 7;7 +70/ "XUL 2-/ )8// IURP )5 GDWH RI WKH DSSOLFDWLRQɎɟɞɟɪɚɥɶɧɵɣ ɡɚɤɨɧ ɨɬ ɞɟɤɚɛɪɹ ɝ 1 ɎɁ Ɉ ɫɬɪɚɯɨɜɚɧɢɢ ɜɤɥɚɞɨɜ ɮɢɡɢɱɟɫɤɢɯ ɥɢɰ ɜ ɛɚɧɤɚɯ Ɋɨɫɫɢɣɫɤɨɣ Ɏɟɞɟɪɚɰɢɢ ©Ɋɨɫɫɢɣɫɤɚɹ ɝɚɡɟɬɚ ɨɬ ɞɟɤɚɛɪɹ ɝ 1 ɜ ɋɨɛɪɚɧɢɢ ɡɚɤɨɧɨɞɚɬɟɥɶɫɬɜɚ Ɋɨɫɫɢɣɫɤɨɣ Ɏɟɞɟɪɚɰɢɢ ɨɬ ɞɟɤɚɛɪɹ ɝ 1 ɱɚɫɬɶ , ɫɬ
ɜɤɥɚɞɨɜ Ⱥɋȼ Ɉɞɧɚɤɨ ɦɚɫɫɨɜɵɟ ɛɚɧɤɪɨɬɫɬɜɚ ɛɚɧɤɨɜ ɜ Ɋɨɫɫɢɢ ɝ ɡɧɚɱɢɬɟɥɶɧɵɟ ɜɵɩɥɚɬɵ ɜɤɥɚɞɱɢɤɚɦ ɜ ɷɬɨɬ ɩɟɪɢɨɞ ɩɪɢɜɟɥɢ ɤ ɫɭɳɟɫɬɜɟɧɧɨɦɭ ɭɯɭɞɲɟɧɢɸ ɮɢɧɚɧɫɨɜɵɯ ɩɨɤɚɡɚɬɟɥɟɣ Ⱥɋȼ ɋɬɚɧɨɜɢɬɫɹ ɨɱɟɜɢɞɧɵɦ ɧɟɨɛɯɨɞɢɦɨɫɬɶ ɩɟɪɟɨɫɦɵɫɥɟɧɢɹ ɞɟɣɫɬɜɭɸɳɢɯ ɩɨɞɯɨɞɨɜ ɤ ɨɛɟɫɩɟɱɟɧɢɸ ɡɚɳɢɬɵ ɩɪɚɜ ɜɤɥɚɞɱɢɤɨɜ ȼ ɫɜɹɡɢ ɫ ɷɬɢɦ ɩɪɟɞɫɬɚɜɥɹɟɬɫɹ ɢɧɬɟɪɟɫɧɵɦ ɢɡɭɱɢɬɶ ɨɩɵɬ ɂɧɞɢɢ ɜ ɨɛɟɫɩɟɱɟɧɢɢ ɩɪɚɜ ɜɤɥɚɞɱɢɤɨɜ ɨɫɨɛɟɧɧɨ ɫ ɭɱɟɬɨɦ ɭɫɢɥɟɧɢɹ ɧɚɲɢɯ ɬɨɪɝɨɜɵɯ ɢ ɷɤɨɧɨɦɢɱɟɫɤɢɯ ɫɜɹɡɟɣ
Ȼɚɧɤɨɜɫɤɢɣ ɤɪɢɡɢɫ ɝ ɜɩɟɪɜɵɟ ɩɪɢɜɥɟɤ ɜɧɢɦɚɧɢɟ ɜ ɂɧɞɢɢ ɤ ɩɪɨɛɥɟɦɟ ɞɨɜɟɪɢɹ ɜɤɥɚɞɱɢɤɨɜ ɧɚ ɝɨɫɭɞɚɪɫɬɜɟɧɧɨɦ ɭɪɨɜɧɟ ȿɞɢɧɫɬɜɟɧɧɵɦ ɪɟɲɟɧɢɟɦ ɤɨɬɨɪɨɟ ɫɦɨɝɥɨ ɩɪɢɧɹɬɶ ɩɪɚɜɢɬɟɥɶɫɬɜɨ ɜ ɷɬɨɬ ɩɟɪɢɨɞ ɭɠɟɫɬɨɱɢɬɶ ɤɨɧɬɪɨɥɶ ɫɨ ɫɬɨɪɨɧɵ Ɋɟɡɟɪɜɧɨɝɨ ɛɚɧɤɚ ɂɧɞɢɢ RBI ɡɚ ɫɨɛɥɸɞɟɧɢɟɦ ɮɢɧɚɧɫɨɜɵɯ ɩɨɤɚɡɚɬɟɥɟɣ ɛɚɧɤɚɦɢ ɇɟɫɦɨɬɪɹ ɧɚ ɨɞɨɛɪɟɧɢɟ ɛɚɧɤɨɜɫɤɨɝɨ ɤɨɦɢɬɟɬɚ Rural Banking Enquiry Committee ɤɨɧɰɟɩɰɢɢ ɫɬɪɚɯɨɜɚɧɢɹ ɛɚɧɤɨɜɫɤɢɯ ɜɤɥɚɞɨɜ ɪɚɫɫɦɨɬɪɟɧɢɟ ɷɬɨɝɨ ɜɨɩɪɨɫɚ ɛɵɥɨ ɨɬɥɨɠɟɧɨ ɞɨ ɝ Ȼɚɧɤɪɨɬɫɬɜɨ ɤɪɭɩɧɟɣɲɢɯ ɛɚɧɤɨɜ ɂɧɞɢɢPalai Central Bank Ltd., and the Laxmi Bank Ltd.ɢ ɦɚɫɫɨɜɵɟ ɜɨɥɧɟɧɢɹ ɦɟɥɤɢɯ ɜɤɥɚɞɱɢɤɨɜ ɜɵɧɭɞɢɥɢ ɪɟɡɟɪɜɧɵɣ ɛɚɧɤ ɢ ɩɪɚɜɢɬɟɥɶɫɬɜɨ ɂɧɞɢɢ ɜɵɣɬɢ ɫ ɡɚɤɨɧɨɩɪɨɟɤɬɨɦ ɨ ɫɬɪɚɯɨɜɚɧɢɢ ɜɤɥɚɞɨɜ ɜ ɂɧɞɢɢ ɚɜɝɭɫɬɚ ɝ ɡɚɤɨɧɨɩɪɨɟɤɬ ɛɵɥ ɪɚɫɫɦɨɬɪɟɧ ɢ ɨɞɨɛɪɟɧ ɩɚɪɥɚɦɟɧɬɨɦ ɢ ɞɟɤɚɛɪɹ ɝ Ɂɚɤɨɧ ɨ ɫɬɪɚɯɨɜɚɧɢɢ ɜɤɥɚɞɨɜDeposit Insurance Act, ɞɚɥɟɟ «ɁɚɤɨɧDIȺ»ɛɵɥ ɨɞɨɛɪɟɧ ɉɪɟɡɢɞɟɧɬɨɦ Ɂɚɤɨɧ ɜɫɬɭɩɢɥ ɜ ɫɢɥɭɫ ɹɧɜɚɪɹ ɝɉɟɪɜɨɧɚɱɚɥɶɧɨɫɢɫɬɟɦɚɫɬɪɚɯɨɜɚɧɢɹɜɤɥɚɞɨɜɛɵɥɚ ɪɚɫɩɪɨɫɬɪɚɧɟɧɚ ɧɚ ɜɫɟ ɤɨɦɦɟɪɱɟɫɤɢɟ ɛɚɧɤɢ ɜɤɥɸɱɚɹ Ƚɨɫɭɞɚɪɫɬɜɟɧɧɵɣ ɛɚɧɤ ɂɧɞɢɢ;State Bank of Indiaɟɝɨ ɞɨɱɟɪɧɢɟ ɛɚɧɤɢ ɮɢɥɢɚɥɵ ɢɧɨɫɬɪɚɧɧɵɯ ɛɚɧɤɨɜ
ɞɟɣɫɬɜɭɸɳɢɟ ɜ ɂɧɞɢɢ ɉɨɩɪɚɜɤɢ ɝ ɪɚɫɩɪɨɫɬɪɚɧɢɥɢ ɞɟɣɫɬɜɢɟ ɡɚɤɨɧɚ ɢ ɧɚ ɤɨɨɩɟɪɚɬɢɜɧɵɟ ɛɚɧɤɢcooperative banksɪɚɡɞɟɥ Ⱥ Ɂɚɤɨɧ ',Ⱥ ɋɨɝɥɚɫɧɨ ɞɚɧɧɨɝɨɡɚɤɨɧɚɛɚɧɤɢɛɵɥɢɨɛɹɡɚɧɵɫɬɪɚɯɨɜɚɬɶɨɬɪɵɜɚɟɦɵɟɢɦɢɜɤɥɚɞɵɜ
Ⱥɝɟɧɬɫɬɜɨ ɫɬɪɚɯɨɜɚɧɢɸ ɜɤɥɚɞɨɜ Ⱥɋȼ Ɉɮɢɰɢɚɥɶɧɵɣ ɫɚɣɬ KWWSV ZZZ DVY RUJ UX LQVXUDQFH ɩɨ ɫɨɫɬɨɹɧɢɸ ɧɚ ɝ
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Ʉɨɪɩɨɪɚɰɢɢɫɬɪɚɯɨɜɚɧɢɹɜɤɥɚɞɨɜ DIC) ȼɢɸɥɟ ɝɫɰɟɥɶɸɪɚɡɜɢɬɢɹ ɦɟɥɤɨɝɨ ɢ ɫɪɟɞɧɟɝɨ ɩɪɟɞɩɪɢɧɢɦɚɬɟɥɶɫɬɜɚ ɩɨɞɞɟɪɠɤɢ ɫɟɥɶɫɤɨɝɨ ɯɨɡɹɣɫɬɜɚ ɉɪɚɜɢɬɟɥɶɫɬɜɨ ɂɧɞɢɢ ɜɜɟɥɨ ɫɯɟɦɭ ɤɪɟɞɢɬɧɵɯ ɝɚɪɚɧɬɢɣ Ⱥɝɟɧɬɨɦ ɉɪɚɜɢɬɟɥɶɫɬɜɚ ɛɵɥ ɧɚɡɧɚɱɟɧ ɪɟɡɟɪɜɧɵɣ Ȼɚɧɤ ɂɧɞɢɢ ɫɬ Ⱥ Ɂɚɤɨɧɚ ɨ Ɋɟɡɟɪɜɧɨɦ ȻɚɧɤɟReserve Bank of India Act, 1934Ɋɟɡɟɪɜɧɵɣ ɛɚɧɤ ɫɬɚɧɨɜɢɥɫɹ ɨɪɝɚɧɢɡɚɰɢɟɣCredit Guarantee Organisation (CGO) ɝɚɪɚɧɬɢɪɭɸɳɟɣɜɨɡɜɪɚɬ ɤɪɟɞɢɬɨɜ ɩɪɟɞɨɫɬɚɜɥɟɧɧɵɯ ɤɪɟɞɢɬɧɵɦɢ ɨɪɝɚɧɢɡɚɰɢɹɦɢ ɜ ɪɚɦɤɚɯ ɩɪɚɜɢɬɟɥɶɫɬɜɟɧɧɨɣ ɩɪɨɝɪɚɦɦɵ ɪɚɡɜɢɬɢɹ ɦɚɥɨɝɨ ɢ ɫɪɟɞɧɟɝɨ ɛɢɡɧɟɫɚ ɉɪɢɨɪɢɬɟɬɧɵɟ ɧɚɩɪɚɜɥɟɧɢɹ ɬɪɟɛɭɸɳɢɟ ɤɪɟɞɢɬɨɜɚɧɢɹ ɨɩɪɟɞɟɥɹɥɢɫɶ ɪɟɡɟɪɜɧɵɦ ɛɚɧɤɨɦ ɹɧɜɚɪɹ ɝ ɩɨɥɧɨɦɨɱɢɹ ɩɨ ɤɪɟɞɢɬɧɵɦ ɝɚɪɚɧɬɢɹɦ ɱɚɫɬɢɱɧɨ ɛɵɥɢ ɩɟɪɟɞɚɧɵCredit Guarantee Corporation of India Ltd. (CGCI ɢɸɥɹ ɝɩɨɥɧɨɦɨɱɢɹCredit Guarantee Organisation ɢ Credit Guarantee Corporation of India Ltdɩɟɪɟɞɚɧɵ ɜɧɨɜɶ ɫɨɡɞɚɧɧɨɣ Ʉɨɪɩɨɪɚɰɢɢ ɫɬɪɚɯɨɜɚɧɢɹ ɜɤɥɚɞɨɜ ɢ ɤɪɟɞɢɬɨɜ Deposit Insurance and Credit Guarantee Corporation (DICGC)ɞɚɥɟɟ ©Ʉɨɪɩɨɪɚɰɢɹª Ɂɚɤɨɧ ɨ ɫɬɪɚɯɨɜɚɧɢɢ ɜɤɥɚɞɨɜ ɛɵɥ ɡɧɚɱɢɬɟɥɶɧɨ ɢɡɦɟɧɟɧ ɢ ɩɟɪɟɢɦɟɧɨɜɚɧ ɜ Ɂɚɤɨɧ ɨ ɫɬɪɚɯɨɜɚɧɢɢ ɜɤɥɚɞɨɜ ɢ ɤɪɟɞɢɬɨɜ(Deposit Insurance and Credit Guarantee Corporation Actɞɚɥɟɟ ©ɁɚɤɨɧDICGCª
ɍɫɬɚɜɧɵɣ ɤɚɩɢɬɚɥ Ʉɨɪɩɨɪɚɰɢɢ ɛɵɥ ɫɮɨɪɦɢɪɨɜɚɧ Ɋɟɡɟɪɜɧɵɦ ɛɚɧɤɨɦ ɂɧɞɢɢ ɞɚɥɟɟ ©RBIª ɢ ɧɚ ɦɨɦɟɧɬ ɫɨɡɞɚɧɢɹ ɫɨɫɬɚɜɥɹɥ ɦɥɧ ɪɭɩɢɣ ɜ ɝ ɨɧ ɛɵɥ ɭɜɟɥɢɱɟɧ ɞɨ ɦɥɧ ɪɭɩɢɣ ɜ ɧɚɫɬɨɹɳɢɣ ɦɨɦɟɧɬ ɭɫɬɚɜɧɨɣ ɤɚɩɢɬɚɥ ɪɚɜɧɹɟɬɫɹ ɦɥɧ ɪɭɩɢɣ Ɋɭɤɨɜɨɞɫɬɜɨ Ʉɨɪɩɨɪɚɰɢɢ ɨɫɭɳɟɫɬɜɥɹɟɬɫɹ ɋɨɜɟɬɨɦ ɞɢɪɟɤɬɨɪɨɜ ɢɡɛɢɪɚɟɦɵɦ ɧɚ ɝɨɞɚ ɉɪɟɞɫɟɞɚɬɟɥɶ ɫɨɜɟɬɚ ɨɞɧɨɜɪɟɦɟɧɧɨ ɹɜɥɹɟɬɫɹ ɡɚɦɟɫɬɢɬɟɥɟɦ Ɋɭɤɨɜɨɞɢɬɟɥɹ Ɋɟɡɟɪɜɧɨɝɨ ɛɚɧɤɚ ɂɧɞɢɢ Ʉɪɨɦɟ ɬɨɝɨ ɜ ɋɨɜɟɬ ɜɯɨɞɹɬ ɂɫɩɨɥɧɢɬɟɥɶɧɵɣ Ⱦɢɪɟɤɬɨɪ ɩɪɟɞɫɬɚɜɢɬɟɥɶ Ɋɟɡɟɪɜɧɨɝɨ ɛɚɧɤɚ ɩɪɟɞɫɬɚɜɢɬɟɥɢ ɩɪɚɜɢɬɟɥɶɫɬɜɚ ɩɹɬɶ ɱɥɟɧɨɜ ɋɨɜɟɬɚ ɧɚɡɧɚɱɚɟɦɵɯ Ɋɟɡɟɪɜɧɵɦ ɛɚɧɤɨɦ ɩɨɫɥɟ ɫɨɝɥɚɫɨɜɚɧɢɹ ɤɚɧɞɢɞɚɬɭɪ ɫ
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Ƚɨɥɨɜɧɨɣ ɨɮɢɫ Ʉɨɪɩɨɪɚɰɢɢ ɧɚɯɨɞɢɬɫɹ ɜ Ɇɭɦɛɚɢ Ⱦɨ ɧɨɹɛɪɹ ɝ
ɭ Ʉɨɪɩɨɪɚɰɢɢ ɢɦɟɥɨɫɶ ɱɟɬɵɪɟ ɮɢɥɢɚɥɚ ɜ Ʉɚɥɶɤɭɬɬɟ ɑɟɧɧɚɢ ɇɚɝɩɭɪɟ ɢ ɇɶɸ
Ⱦɟɥɢ ȼ ɫɜɹɡɢ ɫ ɨɬɤɚɡɨɦ ɛɚɧɤɨɜ ɨɬ ɪɚɛɨɬɵ ɫ ɫɯɟɦɚɦɢ ɤɪɟɞɢɬɧɵɯ ɝɚɪɚɧɬɢɣ ɢ ɭɪɟɝɭɥɢɪɨɜɚɧɢɟɫɬɚɪɵɯɩɪɟɬɟɧɡɢɣɩɨɞɚɧɧɵɦɫɯɟɦɚɦɜɫɟɮɢɥɢɚɥɵ ɤɪɨɦɟ ɮɢɥɢɚɥɚ ɜ ɇɶɸ Ⱦɟɥɢ ɛɵɥɢ ɡɚɤɪɵɬɵ ɉɨɥɧɨɦɨɱɢɹ ɩɟɪɟɪɚɫɩɪɟɞɟɥɟɧɵ ɜ ɩɨɥɶɡɭ ɝɨɥɨɜɧɨɝɨ ɨɮɢɫɚ ɢ ɫɬɪɭɤɬɭɪɧɵɯ ɩɨɞɪɚɡɞɟɥɟɧɢɣ ɫɩɟɰɢɚɥɶɧɨ ɫɨɡɞɚɧɧɵɯ ɜ Ⱦɟɩɚɪɬɚɦɟɧɬɟ ɩɥɚɧɢɪɨɜɚɧɢɹ ɢ ɤɪɟɞɢɬɨɜɚɧɢɹ ɫɟɥɶɫɤɨɝɨ ɯɨɡɹɣɫɬɜɚ ɪɟɡɟɪɜɧɨɝɨ ɛɚɧɤɚ ɂɧɞɢɢ(Rural Planning & Credit Department of the Reserve Bank of India).
Ɍɟɤɭɳɭɸ ɨɩɟɪɚɬɢɜɧɭɸ ɞɟɹɬɟɥɶɧɨɫɬɶ ɜ Ʉɨɪɩɨɪɚɰɢɢ ɨɫɭɳɟɫɬɜɥɹɟɬ ɂɫɩɨɥɧɢɬɟɥɶɧɵɣ ɞɢɪɟɤɬɨɪ ȼ ɟɝɨ ɩɨɞɱɢɧɟɧɢɢ ɧɚɯɨɞɹɬɫɹ ɱɟɬɵɪɟ Ɉɬɞɟɥɚ ɨɬɞɟɥ ɛɚɧɤɨɜɫɤɢɯ ɫɱɟɬɨɜ ɨɬɞɟɥ ɫɬɪɚɯɨɜɚɧɢɹ ɜɤɥɚɞɨɜ ɨɬɞɟɥ ɝɚɪɚɧɬɢɣ ɢ ɨɬɞɟɥ ɚɞɦɢɧɢɫɬɪɢɪɨɜɚɧɢɹ ɤɪɟɞɢɬɨɜ ɉɨɫɬɭɩɚɸɳɢɟ ɜ ɤɨɪɩɨɪɚɰɢɸ ɞɟɧɟɠɧɵɟ ɫɪɟɞɫɬɜɚ ɪɚɡɞɟɥɹɸɬɫɹ ɦɟɠɞɭ ɮɨɧɞɨɦ ɫɬɪɚɯɨɜɚɧɢɹ ɜɤɥɚɞɨɜ ɮɨɧɞɨɦ ɝɚɪɚɧɬɢɪɨɜɚɧɢɹ ɤɪɟɞɢɬɨɜ ɢ ɨɛɳɢɦ ɮɨɧɞɨɦ Ʉɚɤ ɫɥɟɞɭɟɬ ɢɡ ɧɚɡɜɚɧɢɹ ɩɟɪɜɵɟ ɞɜɚ ɮɨɧɞɚ ɮɨɪɦɢɪɭɸɬɫɹ ɡɚ ɫɱɟɬ ɫɬɪɚɯɨɜɵɯ ɩɪɟɦɢɣ ɢ ɝɚɪɚɧɬɢɣɧɵɯ ɩɥɚɬɟɠɟɣ ɢ ɪɚɫɯɨɞɭɸɬɫɹ ɞɥɹ ɭɪɟɝɭɥɢɪɨɜɚɧɢɹ ɫɨɨɬɜɟɬɫɬɜɭɸɳɢɯ ɬɪɟɛɨɜɚɧɢɣ Ɉɛɳɢɣ ɮɨɧɞ ɩɪɟɞɧɚɡɧɚɱɟɧ ɞɥɹ ɩɨɤɪɵɬɢɹ ɚɞɦɢɧɢɫɬɪɚɬɢɜɧɵɯ ɪɚɫɯɨɞɨɜ Ʉɨɪɩɨɪɚɰɢɢ Ɉɞɧɚɤɨ ɜ ɫɥɭɱɚɟ ɧɟɞɨɫɬɚɬɤɚ ɫɪɟɞɫɬɜ ɞɟɧɶɝɢ ɢɡ ɨɞɧɨɝɨɮɨɧɞɚ ɦɨɝɭɬ ɛɵɬɶ ɜɪɟɦɟɧɧɨ ɧɚɩɪɚɜɥɟɧɵ ɧɚ ɩɨɝɚɲɟɧɢɟɨɩɟɪɚɬɢɜɧɵɯ ɩɥɚɬɟɠɟɣ ɞɪɭɝɨɝɨ ɮɨɧɞɚ ɉɨɥɭɱɟɧɧɵɟ Ʉɨɪɩɨɪɚɰɢɟɣ ɫɪɟɞɫɬɜɚ ɦɨɝɭɬ ɛɵɬɶ ɢɧɜɟɫɬɢɪɨɜɚɧɵ ɬɨɥɶɤɨ ɜ ɰɟɧɧɵɟ ɛɭɦɚɝɢ ɐɟɧɬɪɚɥɶɧɨɝɨ ɩɪɚɜɢɬɟɥɶɫɬɜɚ ɂɧɞɢɢ Ʉɨɧɬɪɨɥɶ ɡɚ ɮɢɧɚɧɫɨɜɵɦ ɫɨɫɬɨɹɧɢɟɦ Ʉɨɪɩɨɪɚɰɢɢ ɨɫɭɳɟɫɬɜɥɹɟɬɫɹ Ⱥɭɞɢɬɨɪɨɦ ɧɚɡɧɚɱɚɟɦɵɦ ɋɨɜɟɬɨɦ ɞɢɪɟɤɬɨɪɨɜ ɩɨ ɪɟɤɨɦɟɧɞɚɰɢɢ Ɋɟɡɟɪɜɧɨɝɨ ɛɚɧɤɚ ɂɧɞɢɢ Ⱥɭɞɢɬɨɪɫɤɨɟ
ɡɚɤɥɸɱɟɧɢɟ ɢ ɨɬɱɟɬ ɨ ɪɚɛɨɬɟ Ʉɨɪɩɨɪɚɰɢɢ ɞɨɥɠɧɵ ɛɵɬɶ ɩɪɟɞɫɬɚɜɥɟɧɵ ɜ 5%, ɜ ɬɟɱɟɧɢɟ ɦɟɫɹɰɟɜɫ ɦɚɪɬɚɬ ɟ ɦɟɫɹɰɟɜɫɦɨɦɟɧɬɚɡɚɤɪɵɬɢɹɫɱɟɬɨɜ Ɉɞɧɨɜɪɟɦɟɧɧɨ ɤɨɩɢɢ ɭɤɚɡɚɧɧɵɯ ɞɨɤɭɦɟɧɬɨɜ ɧɚɩɪɚɜɥɹɸɬɫɹ ɐɟɧɬɪɚɥɶɧɨɦɭ ɩɪɚɜɢɬɟɥɶɫɬɜɭ ɞɥɹ ɩɨɞɝɨɬɨɜɤɢ ɟɠɟɝɨɞɧɨɝɨ ɨɬɱɟɬɚ ɩɟɪɟɞ ɩɚɪɥɚɦɟɧɬɨɦ
ȾɟɣɫɬɜɢɟɁɚɤɨɧɚ DICGC ɪɚɫɩɪɨɫɬɪɚɧɟɧɨɧɚɜɫɟɤɨɦɦɟɪɱɟɫɤɢɟɛɚɧɤɢ ɞɟɣɫɬɜɭɸɳɢɟ ɜ ɂɧɞɢɢ ɜɤɥɸɱɚɹ ɮɢɥɢɚɥɵ ɢɧɨɫɬɪɚɧɧɵɯ ɛɚɧɤɨɜ ɦɟɫɬɧɵɟ ɛɚɧɤɨɜɫɤɢɟ ɭɱɪɟɠɞɟɧɢɹ (Local Area Banks (LABs)) ɪɟɝɢɨɧɚɥɶɧɵɟ ɫɟɥɶɫɤɨɯɨɡɹɣɫɬɜɟɧɧɵɟ ɛɚɧɤɢ (Regional Rural Banks (RRBs)). ȼ ɧɚɫɬɨɹɳɟɟ ɜɪɟɦɹ ɜɫɟ ɤɨɨɩɟɪɚɬɢɜɧɵɟ ɛɚɧɤɢcooperative bankɬɚɤɠɟ ɜɤɥɸɱɟɧɵ ɜ ɫɢɫɬɟɦɭ ɫɬɪɚɯɨɜɚɧɢɹ ɜɤɥɚɞɨɜ ɢ ɤɪɟɞɢɬɧɵɯ ɝɚɪɚɧɬɢɣ ɪɚɡɞɟɥ Ɂɚɤɨɧɚ ɨDICGCȼɧɨɜɶ ɫɨɡɞɚɜɚɟɦɵɟ ɤɨɦɦɟɪɱɟɫɤɢɟ ɢ ɤɨɨɩɟɪɚɬɢɜɧɵɟ ɛɚɧɤɢ ɩɨɫɥɟ ɩɨɥɭɱɟɧɢɹ ɜ ɩɨɪɹɞɤɟ ɫɬ Ɂɚɤɨɧɚ ɨ ɪɟɝɭɥɢɪɨɜɚɧɢɢ ɛɚɧɤɨɜɫɤɨɣ ɞɟɹɬɟɥɶɧɨɫɬɢ ɥɢɰɟɧɡɢɢ Ɋɟɡɟɪɜɧɨɝɨ ɛɚɧɤɚ ɨɛɹɡɚɧɵ ɡɚɪɟɝɢɫɬɪɢɪɨɜɚɬɶɫɹ ɜ Ʉɨɪɩɨɪɚɰɢɢ ɫɬ Ɂɚɤɨɧɚ ɨ DICGC ɉɨɫɥɟ ɩɪɢɧɹɬɢɹ Ɂɚɤɨɧɚ ɨ ɪɟɝɢɨɧɚɥɶɧɵɯ ɫɟɥɶɫɤɨɯɨɡɹɣɫɬɜɟɧɧɵɯ ɛɚɧɤɚɯRegional Rural Banks Act, 1976ɫɟɥɶɫɤɨɯɨɡɹɣɫɬɜɟɧɧɵɟ ɛɚɧɤɢRegional Rural Banks) ɧɟ ɩɨɡɠɟ ɞɧɟɣ ɫ ɦɨɦɟɧɬɚ ɫɨɡɞɚɧɢɹ ɨɛɹɡɚɧɵ ɩɪɟɞɫɬɚɜɢɬɶ ɞɨɤɭɦɟɧɬɵ ɜ Ʉɨɪɩɨɪɚɰɢɸ ɞɥɹ ɪɟɝɢɫɬɪɚɰɢɢ ɫɬ Ⱥ Ɂɚɤɨɧɚ ɨ DICGC) ɉɟɪɜɢɱɧɨɟ ɤɨɨɩɟɪɚɬɢɜɧɨɟ ɤɪɟɞɢɬɧɨɟ ɨɛɳɟɫɬɜɨ ɩɪɢ ɞɨɫɬɢɠɟɧɢɢ ɪɚɡɦɟɪɚ ɫɨɛɫɬɜɟɧɧɨɝɨ ɤɚɩɢɬɚɥɚ ɥɚɤɯ (lakh);ɨɬɧɨɲɟɧɢɟ ɥɚɤɯɚ ɤ ɢɧɞɢɣɫɤɨɣ ɪɭɩɢɢ ɤɚɤ ɞɨɥɠɧɨ ɩɪɨɣɬɢ ɩɪɟɨɛɪɚɡɨɜɚɬɶɫɹ ɜ ɤɨɨɩɟɪɚɬɢɜɧɵɣ ɛɚɧɤ ɩɨɥɭɱɢɬɶ ɫɨɨɬɜɟɬɫɬɜɭɸɳɭɸ ɛɚɧɤɨɜɫɤɭɸ ɥɢɰɟɧɡɢɸ ɢ ɜ ɬɟɱɟɧɢɟ ɬɪɟɯ ɦɟɫɹɰɟɜ ɫ ɦɨɦɟɧɬɚ ɩɨɥɭɱɟɧɢɹ ɥɢɰɟɧɡɢɢ ɩɪɟɞɫɬɚɜɢɬɶ ɞɨɤɭɦɟɧɬɵ ɜ Ʉɨɪɩɨɪɚɰɢɸ
ɉɨɫɥɟ ɩɨɥɭɱɟɧɢɹ ɞɨɤɭɦɟɧɬɨɜ ɨɬ ɛɚɧɤɚ Ʉɨɪɩɨɪɚɰɢɹ ɜ ɬɟɱɟɧɢɟ ɞɧɟɣ ɞɨɥɠɧɚ ɞɚɬɶ ɨɬɜɟɬ ɨ ɜɨɡɦɨɠɧɨɫɬɢ ɜɤɥɸɱɟɧɢɹ ɛɚɧɤɚ ɜɫɢɫɬɟɦɭɫɬɪɚɯɨɜɚɧɢɹ ɜɤɥɚɞɨɜ ȼ ɩɢɫɶɦɟ ɭɤɚɡɵɜɚɸɬɫɹ ɪɟɝɢɫɬɪɚɰɢɨɧɧɵɣ ɧɨɦɟɪ ɜ ɫɢɫɬɟɦɟ ɫɬɪɚɯɨɜɚɧɢɹ ɬɪɟɛɨɜɚɧɢɹ ɤɨɬɨɪɵɟ ɞɨɥɠɟɧ ɜɵɩɨɥɧɹɬɶ Ȼɚɧɤ ɜɯɨɞɹɳɢɣ ɜ ɫɢɫɬɟɦɭ ɫɬɪɚɯɨɜɚɧɢɹ ɜɤɥɚɞɨɜ ɩɨɪɹɞɨɤ ɭɩɥɚɬɵ ɫɬɪɚɯɨɜɨɣ ɩɪɟɦɢɢ ɩɪɨɰɟɞɭɪɚ ɜɵɩɥɚɬɵ ɤɨɦɩɟɧɫɚɰɢɢ ɜɤɥɚɞɱɢɤɚɦ ɢ ɬ ɞ ɫɬ Ɂɚɤɨɧɚ ɨ DICGC Ʉɨɩɢɹ ɩɢɫɶɦɚ ɧɚɩɪɚɜɥɹɟɬɫɹ ɜ Ɋɟɡɟɪɜɧɵɣ ɛɚɧɤ ɂɧɞɢɢ ȿɫɥɢ ɪɟɱɶ ɢɞɟɬ ɨ ɪɟɝɢɨɧɚɥɶɧɵɯ ɛɚɧɤɚɯ ɞɨɩɨɥɧɢɬɟɥɶɧɨ ɤɨɩɢɹ ɩɢɫɶɦɚ ɧɚɩɪɚɜɥɹɟɬɫɹ ɜ ɇɚɰɢɨɧɚɥɶɧɵɣ ɛɚɧɤ
ɫɟɥɶɫɤɨɝɨ ɯɨɡɹɣɫɬɜɚ ɢ ɪɚɡɜɢɬɢɹ ɫɟɥɶɫɤɢɯ ɪɚɣɨɧɨɜ National Bank For Agriculture and Rural Development (NABARD)).
ɉɟɪɜɨɧɚɱɚɥɶɧɚɹ ɫɬɚɜɤɚ ɩɪɟɦɢɢ ɜɵɩɥɚɱɢɜɚɟɦɨɣ ɛɚɧɤɚɦɢ ɛɵɥɚ ɭɫɬɚɧɨɜɥɟɧɚ ɧɚ ɭɪɨɜɧɟ ɩɪɨɰɟɧɬɚ ɝɨɞɨɜɵɯ ɨɬ ɫɭɦɦɵ ɜɤɥɚɞɚ Ɉɞɧɚɤɨ ɮɢɧɚɧɫɨɜɵɟ ɬɪɭɞɧɨɫɬɢ ɪɹɞɚ ɤɪɭɩɧɵɯ ɛɚɧɤɨɜ ɢ ɡɧɚɱɢɬɟɥɶɧɵɟ ɮɢɧɚɧɫɨɜɵɟ ɜɵɩɥɚɬɵ ɩɪɨɢɡɜɟɞɟɧɧɵɟ ɜɤɥɚɞɱɢɤɚɦ ɜɵɧɭɞɢɥɢ Ɋɟɡɟɪɜɧɵɣ ɛɚɧɤ ɂɧɞɢɢ ɩɨɫɥɟɞɨɜɚɬɟɥɶɧɨ ɭɜɟɥɢɱɢɜɚɬɶ ɪɚɡɦɟɪ ɫɬɪɚɯɨɜɨɣ ɩɪɟɦɢɢ ȼ ɧɚɫɬɨɹɳɟɟ ɜɪɟɦɹ ɩɪɟɦɢɹɫɨɫɬɚɜɥɹɟɬ ɩɪɨɰɟɧɬɇɟɨɛɯɨɞɢɦɨɩɨɞɱɟɪɤɧɭɬɶȻɚɧɤɢ ɧɟ ɜɩɪɚɜɟ ɩɟɪɟɧɨɫɢɬɶ ɧɚ ɜɤɥɚɞɱɢɤɨɜ ɪɚɫɯɨɞɵ ɩɨ ɫɬɪɚɯɨɜɚɧɢɸ ɜɤɥɚɞɨɜ Ⱥɜɚɧɫɨɜɵɟ ɩɥɚɬɟɠɢ ɩɟɪɟɱɢɫɥɹɸɬɫɹ ɜ ɬɟɱɟɧɢɟ ɞɜɭɯ ɦɟɫɹɰɟɜ ɫ ɧɚɱɚɥɚ ɤɚɠɞɨɝɨ ɮɢɧɚɧɫɨɜɨɝɨ ɩɨɥɭɝɨɞɢɹ ɪɚɫɱɟɬ ɩɪɨɢɡɜɨɞɢɬɫɹ ɩɨ ɫɨɫɬɨɹɧɢɸ ɧɚ ɤɨɧɟɰ ɩɪɟɞɵɞɭɳɟɝɨ ɩɨɥɭɝɨɞɢɹ ɇɚɪɭɲɟɧɢɟ ɫɪɨɤɨɜ ɩɟɪɟɱɢɫɥɟɧɢɹ ɫɪɟɞɫɬɜ ɜɥɟɱɟɬ ɨɛɹɡɚɧɧɨɫɬɶ ȻɚɧɤɨɜɨɩɥɚɬɢɬɶɩɨɜɵɲɟɧɧɵɣɪɚɡɦɟɪɫɬɪɚɯɨɜɨɣɩɪɟɦɢɢɄɪɨɦɟɬɨɝɨɟɫɥɢ ɫɪɟɞɫɬɜɚ ɜ ɬɟɱɟɧɢɟ ɩɨɥɭɬɨɪɚ ɥɟɬ ɧɟ ɩɟɪɟɱɢɫɥɹɥɢɫɶ ɤɨɪɩɨɪɚɰɢɹ ɢɦɟɟɬ ɩɪɚɜɨ ɩɪɟɤɪɚɬɢɬɶ ɪɟɝɢɫɬɪɚɰɢɸ ɛɚɧɤɚ ɜ ɫɢɫɬɟɦɟ ɫɬɪɚɯɨɜɚɧɢɹ ɫɬ$ɁɚɤɨɧɚDICGC Ȼɟɡɭɫɥɨɜɧɨ ɧɟɜɨɡɦɨɠɧɨɫɬɶ ɨɩɟɪɚɬɢɜɧɨ ɪɟɚɝɢɪɨɜɚɬɶ ɧɚɧɚɪɭɲɟɧɢɟ ɛɚɧɤɚɦɢ ɩɥɚɬɟɠɧɨɣ ɞɢɫɰɢɩɥɢɧɵ ɧɟɝɚɬɢɜɧɨ ɫɤɚɡɵɜɚɟɬɫɹ ɧɚ ɮɢɧɚɧɫɨɜɨɦ ɫɨɫɬɨɹɧɢɢ Ʉɨɪɩɨɪɚɰɢɢ
Ɂɚɤɨɧ ɩɪɟɞɭɫɦɚɬɪɢɜɚɟɬ ɢɫɱɟɪɩɵɜɚɸɳɟɣ ɩɟɪɟɱɟɧɶ ɨɫɧɨɜɚɧɢɣ ɩɪɟɤɪɚɳɟɧɢɹ ɪɟɝɢɫɬɪɚɰɢɢ ɜ ɫɢɫɬɟɦɟ ɫɬɪɚɯɨɜɚɧɢɹ ɜɤɥɚɞɨɜ ɗɬɨ ɩɪɨɢɫɯɨɞɢɬ ɚ ɩɪɢ ɡɚɩɪɟɬɟ Ɋɟɡɟɪɜɧɨɝɨ ɛɚɧɤɚ ɩɪɢɧɢɦɚɬɶ ɜɤɥɚɞɵ ɛ ɚɧɧɭɥɢɪɨɜɚɧɢɢ ɥɢɰɟɧɡɢɢ ɢɥɢ ɨɬɤɚɡɚ Ȼɚɧɤɚ ɨɬ ɥɢɰɟɧɡɢɢ ɜ ɩɪɢ ɩɪɟɤɪɚɳɟɧɢɢ ɫɬɚɬɭɫɚ ɛɚɧɤɨɜɫɤɨɣ ɤɨɦɩɚɧɢɢɢɥɢɤɨɨɩɟɪɚɬɢɜɧɨɝɨɛɚɧɤɚɜɩɨɪɹɞɤɟɭɫɬɚɧɨɜɥɟɧɧɨɦɫɬ Ⱥ Ɂɚɤɨɧɚ ɨ ɛɚɧɤɨɜɫɤɨɦ ɪɟɝɭɥɢɪɨɜɚɧɢɢ ɝ ɝ ɩɟɪɟɜɨɞɭ ɞɟɩɨɡɢɬɧɵɯ ɨɛɹɡɚɬɟɥɶɫɬɜ ɜ ɩɨɪɹɞɤɟ ɭɫɬɚɧɨɜɥɟɧɧɨɦ ɡɚɤɨɧɨɦ ɞ ɪɟɨɪɝɚɧɢɡɚɰɢɢ ɛɚɧɤɚ
ȼ ɫɥɭɱɚɟ ɚɧɧɭɥɢɪɨɜɚɧɢɹ ɪɟɝɢɫɬɪɚɰɢɢ ɞɟɩɨɡɢɬɵ ɛɚɧɤɚ ɩɨ ɩɪɟɠɧɟɦɭ ɩɨɤɪɵɜɚɸɬɫɹ ɫɬɪɚɯɨɜɚɧɢɟɦ ɩɨ ɫɨɫɬɨɹɧɢɸ ɧɚ ɞɚɬɭ ɚɧɧɭɥɢɪɨɜɚɧɢɹ
ɋɬɪɚɯɨɜɚɧɢɟɦ ɜɤɥɚɞɨɜ ɩɨɤɪɵɜɚɸɬɫɹ ɜɫɟ ɜɢɞɵ ɞɟɩɨɡɢɬɨɜ ɡɚ ɢɫɤɥɸɱɟɧɢɟɦ ɞɟɩɨɡɢɬɨɜ ɚ ɢɧɨɫɬɪɚɧɧɵɯ ɩɪɚɜɢɬɟɥɶɫɬɜ ɛ ɝɨɫɭɞɚɪɫɬɜɟɧɧɵɯ ɨɪɝɚɧɨɜ ɜ ɦɟɠɛɚɧɤɨɜɫɤɢɯ ɝ Ƚɨɫɭɞɚɪɫɬɜɟɧɧɵɯ ɛɚɧɤɨɜ ɪɚɡɜɢɬɢɹ ɡɟɦɟɥɶ ɫ
ɝɨɫɭɞɚɪɫɬɜɟɧɧɵɦɢ ɤɨɨɩɟɪɚɬɢɜɧɵɦɢ ɛɚɧɤɚɦɢ ɞ ɩɨɥɭɱɟɧɧɵɯ ɡɚ ɩɪɟɞɟɥɚɦɢ ɂɧɞɢɢ ɟ ɩɨ ɫɨɝɥɚɫɨɜɚɧɢɸ ɫ Ɋɟɡɟɪɜɧɵɦ ɛɚɧɤɨɦ ɂɧɞɢɢ ɜɵɜɟɞɟɧɧɵɯ ɢɡ ɫɢɫɬɟɦɵ ɫɬɪɚɯɨɜɚɧɢɹ
ȼ ɫɥɭɱɚɟ ɩɪɟɤɪɚɳɟɧɢɹ ɞɟɹɬɟɥɶɧɨɫɬɢ ɢɥɢ ɥɢɤɜɢɞɚɰɢɢ ɡɚɫɬɪɚɯɨɜɚɧɧɨɝɨ
ɛɚɧɤɚ ɤɚɠɞɵɣ ɜɤɥɚɞɱɢɤ ɢɦɟɟɬ ɩɪɚɜɨ ɧɚ ɜɵɩɥɚɬɭ ɫɭɦɦɵ ɪɚɜɧɨɣ ɟɝɨ ɞɟɩɨɡɢɬɚɦ ɯɪɚɧɹɳɢɦɫɹ ɜɨ ɜɫɟɯ ɮɢɥɢɚɥɚɯ ɷɬɨɝɨ ɛɚɧɤɚ Ɉɞɧɚɤɨ ɜɵɩɥɚɬɵ ɨɝɪɚɧɢɱɟɧɵ ɪɚɡɦɟɪɨɜ ɫɬɪɚɯɨɜɨɝɨ ɫɬ ɁɚɤɨɧɚDICGC
ɉɨɥɨɠɟɧɢɹɦɢ ɫɬ Ɂɚɤɨɧɚ DICGC ɩɪɟɞɭɫɦɨɬɪɟɧɚ ɨɛɹɡɚɧɧɨɫɬɶ ɥɢɤɜɢɞɚɬɨɪɚ ɡɚɫɬɪɚɯɨɜɚɧɧɨɝɨ ɛɚɧɤɚ ɩɪɟɞɫɬɚɜɢɬɶ ɜ DICGC ɫɜɟɞɟɧɢɹ ɜ ɨɬɧɨɲɟɧɢɢ ɤɚɠɞɨɝɨ ɜɤɥɚɞɱɢɤɚ ɢ ɫɜɟɞɟɧɢɹ ɨ ɮɢɧɚɧɫɨɜɨɦ ɫɨɫɬɨɹɧɢɢ ɛɚɧɤɚ ɜ ɬɟɱɟɧɢɟ ɬɪɟɯ ɦɟɫɹɰɟɜ ɫɨ ɞɧɹ ɟɝɨ ɜɫɬɭɩɥɟɧɢɹ ɜ ɞɨɥɠɧɨɫɬɶ ȼ ɫɥɭɱɚɹɯ ɪɟɨɪɝɚɧɢɡɚɰɢɢ ɛɚɧɤɚ ɬɚɤɢɟ ɫɜɟɞɟɧɢɹ ɞɨɥɠɧɵ ɛɵɬɶ ɩɪɟɞɫɬɚɜɥɟɧɵ ɝɥɚɜɧɵɦ ɢɫɩɨɥɧɢɬɟɥɶɧɵɦ ɞɨɥɠɧɨɫɬɧɵɦ ɥɢɰɨɦ ɜ ɬɟɱɟɧɢɟ ɬɪɟɯ ɦɟɫɹɰɟɜ ɫ ɦɨɦɟɧɬɚ ɭɬɜɟɪɠɞɟɧɢɹ ɩɪɨɰɟɞɭɪɵ ɪɟɤɨɧɫɬɪɭɤɰɢɢ ɫɬ ɁɚɤɨɧɚDICGC
ȼ ɫɜɨɸ ɨɱɟɪɟɞɶ DICGC ɨɛɹɡɚɧ ɜɵɩɥɚɬɢɬɶ ɫɭɦɦɭ ɩɪɟɞɭɫɦɨɬɪɟɧɧɭɸ ɡɚɤɨɧɨɞɚɬɟɥɶɫɬɜɨɦ ɜ ɬɟɱɟɧɢɟ ɞɜɭɯ ɦɟɫɹɰɟɜ ɫ ɞɚɬɵ ɩɨɥɭɱɟɧɢɹ ɬɚɤɨɣ ɢɧɮɨɪɦɚɰɢɢ ɇɟɨɛɯɨɞɢɦɨ ɩɨɞɱɟɪɤɧɭɬɶ Ʉɨɪɩɨɪɚɰɢɹ ɧɟ ɩɪɨɢɡɜɨɞɢɬ ɜɵɩɥɚɬɵ ɧɟɩɨɫɪɟɞɫɬɜɟɧɧɨ ɜɤɥɚɞɱɢɤɨɦ ɫɪɟɞɫɬɜɚ ɩɟɪɟɱɢɫɥɹɸɬɫɹ ɥɢɤɜɢɞɚɬɨɪɭ ɢɥɢ ɭɩɨɥɧɨɦɨɱɟɧɧɨɦɭ ɢɫɩɨɥɧɢɬɟɥɶɧɨɦɭ ɨɪɝɚɧɭ ȼɵɩɥɚɱɟɧɧɵɟ ɫɪɟɞɫɬɜɚ ɜɩɨɫɥɟɞɫɬɜɢɢ ɞɨɥɠɧɵ ɛɵɬɶ ɜɨɡɜɪɚɳɟɧɵ ɩɨɫɥɟ ɪɟɚɥɢɡɚɰɢɢ ɛɚɧɤɨɜɫɤɢɯ ɚɤɬɢɜɨɜ
ɉɪɚɜɨɜɨɣ ɫɬɚɬɭɫ Ʉɨɪɩɨɪɚɰɢɢ ɜɵɡɜɚɥ ɜ ɂɧɞɢɢ ɨɠɢɜɥɟɧɧɭɸ ɩɨɥɟɦɢɤɭ ɊɹɞɫɩɟɰɢɚɥɢɫɬɨɜɫɱɢɬɚɟɬɱɬɨɚɧɚɥɢɡɁɚɤɨɧɚ©Ɉɫɬɪɚɯɨɜɚɧɢɢɞɟɩɨɡɢɬɨɜɢ ɤɪɟɞɢɬɧɵɯ ɝɚɪɚɧɬɢɣª DICGC Act, 1961 ɢ Ɉɛɳɢɯ ɩɪɚɜɢɥ ɨ Ʉɨɪɩɨɪɚɰɢɢ (DICGC General Regulations,1961 ɩɨɡɜɨɥɹɟɬ ɩɪɢɣɬɢ ɤ ɜɵɜɨɞɭ ɱɬɨ ɷɬɨ ɭɫɬɚɜɧɚɹ ɨɪɝɚɧɢɡɚɰɢɹ ͨstatutory bodyª ɨɫɭɳɟɫɬɜɥɹɸɳɚɹ ɩɨ ɩɨɪɭɱɟɧɢɸ ɝɨɫɭɞɚɪɫɬɜɚ ɫɨɰɢɚɥɶɧɨ ɡɧɚɱɢɦɭɸ ɞɟɹɬɟɥɶɧɨɫɬɶ Ɋɟɡɟɪɜɧɵɣ ɛɚɧɤ ɂɧɞɢɢRBI ɹɜɥɹɟɬɫɹ ɟɞɢɧɨɥɢɱɧɵɦɜɥɚɞɟɥɶɰɟɦɄɨɪɩɨɪɚɰɢɢɩɨɫɬɪɚɯɨɜɚɧɢɸ ɜɤɥɚɞɨɜɢ ɤɪɟɞɢɬɧɵɯ ɝɚɪɚɧɬɢɣ ɚ ɭɫɬɚɜɧɨɣ ɤɚɩɢɬɚɥ RBI ɜ ɫɜɨɸ ɨɱɟɪɟɞɶ ɩɨɥɧɨɫɬɶɸ ɩɪɢɧɚɞɥɟɠɢɬ ɉɪɚɜɢɬɟɥɶɫɬɜɭ ɂɧɞɢɢ Ʉɨɪɩɨɪɚɰɢɹ ɩɨ ɫɭɬɢ ɨɫɭɳɟɫɬɜɥɹɟɬ ɧɟ