Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 150
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 150
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 97
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 151
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 151
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 97
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
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    <h1 class="cat-box-title">कर्ज डकारने वालों पर कानून बेअसर</h1>
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नई दिल्ली [जयप्रकाश रंजन]। फंसे कर्ज को लेकर बैंकों की मुसीबत बढ़ती 
जा रही है। आर्थिक मंदी की वजह से आने वाले दिनों में फंसे कर्ज यानी नॉन 
परफॉर्मिग असेट्स [एनपीए] के बढ़ने की आशंका बढ़ी है। वहीं, फंसे कर्जे को 
वसूलने की मौजूदा व्यवस्था पूरी तरह से ध्वस्त होती दिख रही है। ऋण वसूली 
प्राधिकरण, लोक अदालतों व अन्य तरीके से बैंक पिछले वित्त वर्ष 2012-13 में
कुल फंसे कर्जे का महज दो फीसद ही वसूल कर पाए हैं।
</p>
<p>
 बैंकिंग उद्योग के सूत्रों का कहना है कि फंसे कर्जे को वसूलने के लिए 
कुछ साल पहले बना प्रतिभूतिकरण कानून [एसएआरएफएईएसआइ] भी कारगर साबित नहीं 
हो पाया है। इसके जरिये कर्ज वसूली की प्रक्रिया इतनी लंबी हो गई है कि 
बैंक अब इसका सहारा लेना ही पसंद नहीं करते। न्यायालयों में मामला दर्ज कर 
कर्ज वसूली की स्थिति तो सबसे खराब है। वित्त मंत्रालय की तरफ से संसद को 
यह बताया गया है कि बीते वित्त वर्ष में ंिंवभिन्न सरकारी बैंकों ने 97,701
करोड़ रुपये के फंसे कर्जे के मामले दायर किए थे, लेकिन वसूली सिर्फ 1,905 
करोड़ रुपये की हो पाई है। यानी सिर्फ दो फीसद राशि वसूलने में बैंकों को 
मिली सफलता।
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<p>
 आंकड़े बताते हैं कि फंसे कर्जे को वसूलने के लिए जों भी कानूनी 
प्रावधान बनाए गए हैं उनका असर धीरे धीरे खत्म होता जा रहा है। समय पर कर्ज
नहीं चुकाने वाले ग्राहकों से वसूली के लिए बैंक ऋण वसूली प्राधिकरण, लोक 
अदालत और एसएआरएफएईएसआइ कानून की मदद लेते हैं। लेकिन इन सभी मामलों में 
काफी वक्त लग जाता है। विजय माल्या की कंपनी किंगफिशर एयरलाइंस का उदाहरण 
सामने है। कंपनी पर बकाया 7,000 करोड़ रुपये के कर्ज को वसूलने के लिए 
भारतीय स्टेट बैंक [एसबीआइ], आइसीआइसीआइ समेत तमाम दिग्गज बैंकों के पसीने 
छूटे हुए हैं। दो वर्ष बाद भी मुश्किल से कंपनी की 1,500 करोड़ रुपये की 
संपत्तियों पर कब्जा जमाया जा सका है।
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<p>
 रिजर्व बैंक के आंकड़ों के मुताबिक 30 जून, 2013 तक संयुक्त तौर पर 
सरकारी क्षेत्र के सभी बैंकों का सकल एनपीए 1,76,009 करोड़ रुपये का था। ठीक
तीन महीने पहले यह राशि 1,55,890 करोड़ रुपये की थी। आने वाले दिनों में 
इसके और बढ़ने के आसार हैं। प्रधानमंत्री के आर्थिक सलाहकार परिषद के 
अध्यक्ष सी रंगराजन का कहना है कि अर्थव्यवस्था की रफ्तार जैसे-जैसे धीमी 
होती जाएगी, फंसे कर्ज की समस्या भी गंभीर होती जाएगी। प्रमुख 
अंतरारष्ट्रीय रेटिंग एजेंसी स्टैंडर्ड एंड पुअर्स की तरफ से जारी एक 
अध्ययन के मुताबिक वर्ष 2013-14 में भारत के सरकारी बैंकों के कुल कर्ज के 
मुकाबले एनपीए का अनुपात वर्ष 2012-13 के 3.4 से बढ़कर 3.9 फीसद हो जाएगा। 
इसके बाद के वर्ष में यह 4.4 फीसद पर पहुंच जाएगा। बैंकिंग उद्योग में दो 
फीसद से ज्यादा एनपीए को खतरनाक माना जाता है।
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                                                    <a  target="_blank" href="https://im4change.in/hindi/empowerment/जेंडर-2852.html"
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                                                    <a  target="_blank" href="https://im4change.in/hindi/empowerment/वनाधिकार-61.html"
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                                                    <a  target="_blank" href="https://im4change.in/hindi/hunger/poverty-and-inequality.html"
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                                                </p>
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                                                    <a  target="_blank" href="https://im4change.in/hindi/hunger/शिक्षा-50.html"
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                                                    <a  target="_blank" href="https://im4change.in/hindi/hunger/सवाल-सेहत-का-51.html"
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                                                    <a  target="_blank" href="https://im4change.in/hindi/hunger/what-is-sdg-know-it-all.html"
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                                                                                                        <p style="padding-left:10px;">
                                                    <a  target="_blank" href="https://im4change.in/hindi/hunger/कुपोषण-41.html"
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                                                    <a  target="_blank" href="https://im4change.in/hindi/hunger/भुखमरी-एक-आकलन-40.html"
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                                                                                                        <p style="padding-left:10px;">
                                                    <a  target="_blank" href="https://im4change.in/hindi/hunger/मिड-डे-मील-एमडीएमएस-योजना-53.html"
                                                       class="left postionrel">मिड डे मील (एमडीएमएस) योजना                                                       </a>
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                                                    <a  target="_blank" href="https://im4change.in/hindi/hunger/सार्वजनिक-वितरण-प्रणाली-42.html"
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                                                    <a  target="_blank" href="https://im4change.in/hindi/कर्ज-आत्महत्या/नीतिगत-पहल-64.html"
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                                                </p>
                                                                                                        <p style="padding-left:10px;">
                                                    <a  target="_blank" href="https://im4change.in/hindi/environment/खेती-पर-असर-54.html"
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                                                                                                    <p style="padding-left:10px;">
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                                                </p>
                                                                                                        <p style="padding-left:10px;">
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                                                </p>
                                                                                                        <p style="padding-left:10px;">
                                                    <a  target="_blank" href="https://im4change.in/hindi/law-and-justice/मानवाधिकार-56.html"
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                                                </p>
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                                                    <a  target="_blank" href="https://im4change.in/hindi/law-and-justice/भ्रष्टाचार-35.html"
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                                                </p>
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                                                    <a  target="_blank" href="https://im4change.in/hindi/law-and-justice/आपदा-और-राहत-49.html"
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                                                    <a  target="_blank" href="https://im4change.in/hindi/law-and-justice/असुरक्षित-परिवेश-46.html"
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    <h1 class="cat-box-title">कर्ज डकारने वालों पर कानून बेअसर</h1>
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नई दिल्ली [जयप्रकाश रंजन]। फंसे कर्ज को लेकर बैंकों की मुसीबत बढ़ती 
जा रही है। आर्थिक मंदी की वजह से आने वाले दिनों में फंसे कर्ज यानी नॉन 
परफॉर्मिग असेट्स [एनपीए] के बढ़ने की आशंका बढ़ी है। वहीं, फंसे कर्जे को 
वसूलने की मौजूदा व्यवस्था पूरी तरह से ध्वस्त होती दिख रही है। ऋण वसूली 
प्राधिकरण, लोक अदालतों व अन्य तरीके से बैंक पिछले वित्त वर्ष 2012-13 में
कुल फंसे कर्जे का महज दो फीसद ही वसूल कर पाए हैं।
</p>
<p>
 बैंकिंग उद्योग के सूत्रों का कहना है कि फंसे कर्जे को वसूलने के लिए 
कुछ साल पहले बना प्रतिभूतिकरण कानून [एसएआरएफएईएसआइ] भी कारगर साबित नहीं 
हो पाया है। इसके जरिये कर्ज वसूली की प्रक्रिया इतनी लंबी हो गई है कि 
बैंक अब इसका सहारा लेना ही पसंद नहीं करते। न्यायालयों में मामला दर्ज कर 
कर्ज वसूली की स्थिति तो सबसे खराब है। वित्त मंत्रालय की तरफ से संसद को 
यह बताया गया है कि बीते वित्त वर्ष में ंिंवभिन्न सरकारी बैंकों ने 97,701
करोड़ रुपये के फंसे कर्जे के मामले दायर किए थे, लेकिन वसूली सिर्फ 1,905 
करोड़ रुपये की हो पाई है। यानी सिर्फ दो फीसद राशि वसूलने में बैंकों को 
मिली सफलता।
</p>
<p>
 आंकड़े बताते हैं कि फंसे कर्जे को वसूलने के लिए जों भी कानूनी 
प्रावधान बनाए गए हैं उनका असर धीरे धीरे खत्म होता जा रहा है। समय पर कर्ज
नहीं चुकाने वाले ग्राहकों से वसूली के लिए बैंक ऋण वसूली प्राधिकरण, लोक 
अदालत और एसएआरएफएईएसआइ कानून की मदद लेते हैं। लेकिन इन सभी मामलों में 
काफी वक्त लग जाता है। विजय माल्या की कंपनी किंगफिशर एयरलाइंस का उदाहरण 
सामने है। कंपनी पर बकाया 7,000 करोड़ रुपये के कर्ज को वसूलने के लिए 
भारतीय स्टेट बैंक [एसबीआइ], आइसीआइसीआइ समेत तमाम दिग्गज बैंकों के पसीने 
छूटे हुए हैं। दो वर्ष बाद भी मुश्किल से कंपनी की 1,500 करोड़ रुपये की 
संपत्तियों पर कब्जा जमाया जा सका है।
</p>
<p>
 रिजर्व बैंक के आंकड़ों के मुताबिक 30 जून, 2013 तक संयुक्त तौर पर 
सरकारी क्षेत्र के सभी बैंकों का सकल एनपीए 1,76,009 करोड़ रुपये का था। ठीक
तीन महीने पहले यह राशि 1,55,890 करोड़ रुपये की थी। आने वाले दिनों में 
इसके और बढ़ने के आसार हैं। प्रधानमंत्री के आर्थिक सलाहकार परिषद के 
अध्यक्ष सी रंगराजन का कहना है कि अर्थव्यवस्था की रफ्तार जैसे-जैसे धीमी 
होती जाएगी, फंसे कर्ज की समस्या भी गंभीर होती जाएगी। प्रमुख 
अंतरारष्ट्रीय रेटिंग एजेंसी स्टैंडर्ड एंड पुअर्स की तरफ से जारी एक 
अध्ययन के मुताबिक वर्ष 2013-14 में भारत के सरकारी बैंकों के कुल कर्ज के 
मुकाबले एनपीए का अनुपात वर्ष 2012-13 के 3.4 से बढ़कर 3.9 फीसद हो जाएगा। 
इसके बाद के वर्ष में यह 4.4 फीसद पर पहुंच जाएगा। बैंकिंग उद्योग में दो 
फीसद से ज्यादा एनपीए को खतरनाक माना जाता है।
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नई दिल्ली [जयप्रकाश रंजन]। फंसे कर्ज को लेकर बैंकों की मुसीबत बढ़ती 
जा रही है। आर्थिक मंदी की वजह से आने वाले दिनों में फंसे कर्ज यानी नॉन 
परफॉर्मिग असेट्स [एनपीए] के बढ़ने की आशंका बढ़ी है। वहीं, फंसे कर्जे को 
वसूलने की मौजूदा व्यवस्था पूरी तरह से ध्वस्त होती दिख रही है। ऋण वसूली 
प्राधिकरण, लोक अदालतों व अन्य तरीके से बैंक पिछले वित्त वर्ष 2012-13 में
कुल फंसे कर्जे का महज दो फीसद ही वसूल कर पाए हैं।
</p>
<p>
 बैंकिंग उद्योग के सूत्रों का कहना है कि फंसे कर्जे को वसूलने के लिए 
कुछ साल पहले बना प्रतिभूतिकरण कानून [एसएआरएफएईएसआइ] भी कारगर साबित नहीं 
हो पाया है। इसके जरिये कर्ज वसूली की प्रक्रिया इतनी लंबी हो गई है कि 
बैंक अब इसका सहारा लेना ही पसंद नहीं करते। न्यायालयों में मामला दर्ज कर 
कर्ज वसूली की स्थिति तो सबसे खराब है। वित्त मंत्रालय की तरफ से संसद को 
यह बताया गया है कि बीते वित्त वर्ष में ंिंवभिन्न सरकारी बैंकों ने 97,701
करोड़ रुपये के फंसे कर्जे के मामले दायर किए थे, लेकिन वसूली सिर्फ 1,905 
करोड़ रुपये की हो पाई है। यानी सिर्फ दो फीसद राशि वसूलने में बैंकों को 
मिली सफलता।
</p>
<p>
 आंकड़े बताते हैं कि फंसे कर्जे को वसूलने के लिए जों भी कानूनी 
प्रावधान बनाए गए हैं उनका असर धीरे धीरे खत्म होता जा रहा है। समय पर कर्ज
नहीं चुकाने वाले ग्राहकों से वसूली के लिए बैंक ऋण वसूली प्राधिकरण, लोक 
अदालत और एसएआरएफएईएसआइ कानून की मदद लेते हैं। लेकिन इन सभी मामलों में 
काफी वक्त लग जाता है। विजय माल्या की कंपनी किंगफिशर एयरलाइंस का उदाहरण 
सामने है। कंपनी पर बकाया 7,000 करोड़ रुपये के कर्ज को वसूलने के लिए 
भारतीय स्टेट बैंक [एसबीआइ], आइसीआइसीआइ समेत तमाम दिग्गज बैंकों के पसीने 
छूटे हुए हैं। दो वर्ष बाद भी मुश्किल से कंपनी की 1,500 करोड़ रुपये की 
संपत्तियों पर कब्जा जमाया जा सका है।
</p>
<p>
 रिजर्व बैंक के आंकड़ों के मुताबिक 30 जून, 2013 तक संयुक्त तौर पर 
सरकारी क्षेत्र के सभी बैंकों का सकल एनपीए 1,76,009 करोड़ रुपये का था। ठीक
तीन महीने पहले यह राशि 1,55,890 करोड़ रुपये की थी। आने वाले दिनों में 
इसके और बढ़ने के आसार हैं। प्रधानमंत्री के आर्थिक सलाहकार परिषद के 
अध्यक्ष सी रंगराजन का कहना है कि अर्थव्यवस्था की रफ्तार जैसे-जैसे धीमी 
होती जाएगी, फंसे कर्ज की समस्या भी गंभीर होती जाएगी। प्रमुख 
अंतरारष्ट्रीय रेटिंग एजेंसी स्टैंडर्ड एंड पुअर्स की तरफ से जारी एक 
अध्ययन के मुताबिक वर्ष 2013-14 में भारत के सरकारी बैंकों के कुल कर्ज के 
मुकाबले एनपीए का अनुपात वर्ष 2012-13 के 3.4 से बढ़कर 3.9 फीसद हो जाएगा। 
इसके बाद के वर्ष में यह 4.4 फीसद पर पहुंच जाएगा। बैंकिंग उद्योग में दो 
फीसद से ज्यादा एनपीए को खतरनाक माना जाता है।
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कर्ज डकारने वालों पर कानून बेअसर

Published on Aug 22, 2013   Modified on Aug 22, 2013

नई दिल्ली [जयप्रकाश रंजन]। फंसे कर्ज को लेकर बैंकों की मुसीबत बढ़ती जा रही है। आर्थिक मंदी की वजह से आने वाले दिनों में फंसे कर्ज यानी नॉन परफॉर्मिग असेट्स [एनपीए] के बढ़ने की आशंका बढ़ी है। वहीं, फंसे कर्जे को वसूलने की मौजूदा व्यवस्था पूरी तरह से ध्वस्त होती दिख रही है। ऋण वसूली प्राधिकरण, लोक अदालतों व अन्य तरीके से बैंक पिछले वित्त वर्ष 2012-13 में कुल फंसे कर्जे का महज दो फीसद ही वसूल कर पाए हैं। बैंकिंग उद्योग के सूत्रों का कहना है कि फंसे कर्जे को वसूलने के लिए कुछ साल पहले बना प्रतिभूतिकरण कानून [एसएआरएफएईएसआइ] भी कारगर साबित नहीं हो पाया है। इसके जरिये कर्ज वसूली की प्रक्रिया इतनी लंबी हो गई है कि बैंक अब इसका सहारा लेना ही पसंद नहीं करते। न्यायालयों में मामला दर्ज कर कर्ज वसूली की स्थिति तो सबसे खराब है। वित्त मंत्रालय की तरफ से संसद को यह बताया गया है कि बीते वित्त वर्ष में ंिंवभिन्न सरकारी बैंकों ने 97,701 करोड़ रुपये के फंसे कर्जे के मामले दायर किए थे, लेकिन वसूली सिर्फ 1,905 करोड़ रुपये की हो पाई है। यानी सिर्फ दो फीसद राशि वसूलने में बैंकों को मिली सफलता। आंकड़े बताते हैं कि फंसे कर्जे को वसूलने के लिए जों भी कानूनी प्रावधान बनाए गए हैं उनका असर धीरे धीरे खत्म होता जा रहा है। समय पर कर्ज नहीं चुकाने वाले ग्राहकों से वसूली के लिए बैंक ऋण वसूली प्राधिकरण, लोक अदालत और एसएआरएफएईएसआइ कानून की मदद लेते हैं। लेकिन इन सभी मामलों में काफी वक्त लग जाता है। विजय माल्या की कंपनी किंगफिशर एयरलाइंस का उदाहरण सामने है। कंपनी पर बकाया 7,000 करोड़ रुपये के कर्ज को वसूलने के लिए भारतीय स्टेट बैंक [एसबीआइ], आइसीआइसीआइ समेत तमाम दिग्गज बैंकों के पसीने छूटे हुए हैं। दो वर्ष बाद भी मुश्किल से कंपनी की 1,500 करोड़ रुपये की संपत्तियों पर कब्जा जमाया जा सका है। रिजर्व बैंक के आंकड़ों के मुताबिक 30 जून, 2013 तक संयुक्त तौर पर सरकारी क्षेत्र के सभी बैंकों का सकल एनपीए 1,76,009 करोड़ रुपये का था। ठीक तीन महीने पहले यह राशि 1,55,890 करोड़ रुपये की थी। आने वाले दिनों में इसके और बढ़ने के आसार हैं। प्रधानमंत्री के आर्थिक सलाहकार परिषद के अध्यक्ष सी रंगराजन का कहना है कि अर्थव्यवस्था की रफ्तार जैसे-जैसे धीमी होती जाएगी, फंसे कर्ज की समस्या भी गंभीर होती जाएगी। प्रमुख अंतरारष्ट्रीय रेटिंग एजेंसी स्टैंडर्ड एंड पुअर्स की तरफ से जारी एक अध्ययन के मुताबिक वर्ष 2013-14 में भारत के सरकारी बैंकों के कुल कर्ज के मुकाबले एनपीए का अनुपात वर्ष 2012-13 के 3.4 से बढ़कर 3.9 फीसद हो जाएगा। इसके बाद के वर्ष में यह 4.4 फीसद पर पहुंच जाएगा। बैंकिंग उद्योग में दो फीसद से ज्यादा एनपीए को खतरनाक माना जाता है।

http://www.jagran.com/news/business-banking-sector-facing-challenge-from-npa-10661565.html

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