Mark Carney, Bank of England leh Financial Stability Board (FSB) Governor ni mek, khawvel hun awm mek leh lo la kal mek zela sum leh pai harsatna lo thleng thei laka vengtu chuan tun dinhmunah khawvel Economy hmelma lianber chu engdang ni lovin Shadow Banking hi a ni a ti a. Shadow Banking kan tih chu ramtin hian Financial Institution an nei vek a, chung ramtinte chuan Dan leh Hrai hnuaiah mipuite leh a mamawhtu apiangte hnenah pawisa an puktir thin a ni. Financial Insitution ni si lo leh ram khatin an hman Banking System zawm si lova mimal leh pawl anga a mamawhtute hnena sum puktir hi Shadow Banking an tih chu a ni mai awm e.
Kum za liamta-ah khan Shadow Banking, khawvel puma a hlutna chu $26 Trillion a ni tawh a, thangkhat lian an ral meuh chuan $71 Trillion-ah a kai dawrh mai a ni. Chu chuan Effect a neihlen em em chu Bank tam takin Profit an hmuh tur ang an hmuhloh phah a, Investment a tlakhniam phah a, chu chuan ramtin Economy nasa takin a khawih pawi ta hi a ni. Shadow Banking a inhnamhnawih lianber chu China bawk a ni leh tawh a. Chinese Academy of Social Sciences (CASS) ten an chhutdan chuan China rama Shadow Banking hlutna hi $4.4 trillion lai a ni hem mai. Hei hian an Financial Syatem-ah harsatna lian tak a thlen mek a ni.
China ram hian tunkum tir lam khan nasa tak maiin Pawisa Ba (Debt) avangin harsatna a lo tawk tawh a, chutiang bawkin kum liamta-ah khan khawvela Europe leh US Bank lian tak tak, tluchhe thei tawh tura kan ngaihloh te kha Sorkarin a chhanchhuah an ngai nasa em em anih kha. Khami tum khan India erawh kan vannei a, kan Banking System that em em vang ni bik chuang lovin, Shadow Banking liantham taka kan la kalpui ve loh vang zawk a ni. Khawvelin he Banking System hi a ngaihthah thei tawh lova, Financial Flow leh Stability atan hian engtin nge kan hman tangkai theih zawk ang tih lam hawiin Global Shadow Banking Monitoring Report 2013 hial a lo siam ta a ni.
Khawvel ramdangte chu kan sawi thui tawh lo mai ang a, chipchiar pawn kan sawi tawi thiam hek lovang. India ram pawh nilo, Mizoram chhung i lo bihve thung teh ang. Mizoramah hian Bank chi hrang hrang leh Society hnuaia in register a mipuite hnena Loan pechhuak thei tura phalna nei, Gov’t, Semi-Gov’t, Public leh Private Ltd te an awm a, chubakah chuan Financial Insitution lian tak tak ten min rawn hmu tai a, tun kum khat chhunga Bank lo luh nasat zia pawh kan hriat vek hi. Nimahsela, chuti chung pawh chuan mipui tam zawk hian heng Bank atangte hian an duh duhin pawisa an puk thei chuang tlatlo.
A chhan a awm a, heng Bank hrang hrangte hian mipuite hnenah hian Security awm lovin pawisa an puktir ngawt ngam lova, an puktir thiang heklo. Chumi piahlamah Mizoram Sorkarin an hnathawkte humhalhnan Guarantor mipui Sorkar hnathawklo tan a tan mai mai a phallo vel bawk nen. Kan Banking Profit hi a sang em em hlawm lova, nuai bawr velah hian kan la tal laih laih fo mai a, hei hi chu kan Financial Position a la hniam avang leh sum leh pai che vel la tlem vang ni pakhat mahse Shadow Banking vang a ni thei ang em tih rilruah a lo lutlo theilo a ni.
Mizoramah hian sumdawng kan tam ve ta hle a, chung zingah chuan lian tak taka sum leh pai mamawh, mahse infrastructure lama la lian em em silo an awm nual a. Distrcit tinah hian chutiang mi chu an awm a ni. Sorkar leh mimal Bank tena an sum hmuh tur ang an hmuhloh nasat lai ber chu Hunpui lo thlen lai hian a ni a. Heng hunpui lo thlen hma lawk hian heng sumdawng tam tak te hian pawisa puk tur an mamawh nasa thei hle a. Mahse an duhthusam anga rang leh tam Bank te hian an pe thei ta thin lova, chutiang hunah tak chuan mimal pawisa nei, pung tam tak awma puktir theitute hnen lam an pan ta thin a ni.
Heng mimalte hian Dan leh Hrai zawm pakhatmah an neihloh avangin Risk a sang duh hle a, an duh zat zat a tam a pung an siam mai a, chu chu sumdawng mamawhtu tan chuan hnar hleih theihloh anih tlat avangin tunah hian Mizorama mimal pawisa nei tam tak chuan tiang hian mimal leh pawl hnenah pawisa an puktir mek a, Chanchinbu lamah te hial pawh pawisa pukduh leh puktir thei an in Advertise ngam tawh anih hi! Tun hunah hian buaipui tham em em nilo mahsela, kan Profit te hi a nuai leh vaibelchhia mal lek lek an la nih chhung hi chuan buaipui tham angin langlo mahse, kan Economy an khawih pawi ve pha tlat niin a lang.
Pawisa hi pung tam taka an puk avang leh thlatin a a pung tam tham tak rulh a ngaih tak avang hian thawmhnaw leh dawr bungrua (commodities) man pawh a pung ta reng a ni. A tawpa tuartu chu mipui bawk an ni leh tho tho. Banking Regulations hi Sorkar laipui hian a kan mamawh ang mil hian min thlak danglam sak dawnlo. Mahse State Sorkarin thuneihna sang tak a neih erawh i hre reng ang u. Tunah hian State Bank, Apex leh Rural etc te hian an Loan pek chhuah tur ang hi 50% an pe anih chuan pe sang tak an ni ang. Nimahsela, chuti chung chung chuan Sorkar atanga Transaction leh Depositing Fees atang hian an Target an khum thei tlat si a.
Hmunpui zawk atanga an hotute duhdan angin an kallo ngam mai a, a tawpa a tuartu chu mipui vantlang bawk kan ni leh ta a ni. Hetiang renga kan kal anih chuan nakin lawkah chuan mimal anga pawisa puktir thei an tam tulh tulh dawn a, chu chuan nasa takin kan ram zimte Economy hi a khawih pawi dawn a, sum leh pai hlutna thlengin hei hian a khawih tel thei tlat tih i hria ang u. Sorkar tan hengho hi Regulate theih ngawt a ni lo, mahse a tawpah chuan Bad Debt avangin kan buai tho tho ang a, chutih huna a tuartu tur ber chu mipui bawk kan ni leh dawn a ni. Chuvang chuan Sorkar hian helam hawi hian ngaihtuahna han seng ve teh se.
Kum za liamta-ah khan Shadow Banking, khawvel puma a hlutna chu $26 Trillion a ni tawh a, thangkhat lian an ral meuh chuan $71 Trillion-ah a kai dawrh mai a ni. Chu chuan Effect a neihlen em em chu Bank tam takin Profit an hmuh tur ang an hmuhloh phah a, Investment a tlakhniam phah a, chu chuan ramtin Economy nasa takin a khawih pawi ta hi a ni. Shadow Banking a inhnamhnawih lianber chu China bawk a ni leh tawh a. Chinese Academy of Social Sciences (CASS) ten an chhutdan chuan China rama Shadow Banking hlutna hi $4.4 trillion lai a ni hem mai. Hei hian an Financial Syatem-ah harsatna lian tak a thlen mek a ni.
China ram hian tunkum tir lam khan nasa tak maiin Pawisa Ba (Debt) avangin harsatna a lo tawk tawh a, chutiang bawkin kum liamta-ah khan khawvela Europe leh US Bank lian tak tak, tluchhe thei tawh tura kan ngaihloh te kha Sorkarin a chhanchhuah an ngai nasa em em anih kha. Khami tum khan India erawh kan vannei a, kan Banking System that em em vang ni bik chuang lovin, Shadow Banking liantham taka kan la kalpui ve loh vang zawk a ni. Khawvelin he Banking System hi a ngaihthah thei tawh lova, Financial Flow leh Stability atan hian engtin nge kan hman tangkai theih zawk ang tih lam hawiin Global Shadow Banking Monitoring Report 2013 hial a lo siam ta a ni.
Khawvel ramdangte chu kan sawi thui tawh lo mai ang a, chipchiar pawn kan sawi tawi thiam hek lovang. India ram pawh nilo, Mizoram chhung i lo bihve thung teh ang. Mizoramah hian Bank chi hrang hrang leh Society hnuaia in register a mipuite hnena Loan pechhuak thei tura phalna nei, Gov’t, Semi-Gov’t, Public leh Private Ltd te an awm a, chubakah chuan Financial Insitution lian tak tak ten min rawn hmu tai a, tun kum khat chhunga Bank lo luh nasat zia pawh kan hriat vek hi. Nimahsela, chuti chung pawh chuan mipui tam zawk hian heng Bank atangte hian an duh duhin pawisa an puk thei chuang tlatlo.
A chhan a awm a, heng Bank hrang hrangte hian mipuite hnenah hian Security awm lovin pawisa an puktir ngawt ngam lova, an puktir thiang heklo. Chumi piahlamah Mizoram Sorkarin an hnathawkte humhalhnan Guarantor mipui Sorkar hnathawklo tan a tan mai mai a phallo vel bawk nen. Kan Banking Profit hi a sang em em hlawm lova, nuai bawr velah hian kan la tal laih laih fo mai a, hei hi chu kan Financial Position a la hniam avang leh sum leh pai che vel la tlem vang ni pakhat mahse Shadow Banking vang a ni thei ang em tih rilruah a lo lutlo theilo a ni.
Mizoramah hian sumdawng kan tam ve ta hle a, chung zingah chuan lian tak taka sum leh pai mamawh, mahse infrastructure lama la lian em em silo an awm nual a. Distrcit tinah hian chutiang mi chu an awm a ni. Sorkar leh mimal Bank tena an sum hmuh tur ang an hmuhloh nasat lai ber chu Hunpui lo thlen lai hian a ni a. Heng hunpui lo thlen hma lawk hian heng sumdawng tam tak te hian pawisa puk tur an mamawh nasa thei hle a. Mahse an duhthusam anga rang leh tam Bank te hian an pe thei ta thin lova, chutiang hunah tak chuan mimal pawisa nei, pung tam tak awma puktir theitute hnen lam an pan ta thin a ni.
Heng mimalte hian Dan leh Hrai zawm pakhatmah an neihloh avangin Risk a sang duh hle a, an duh zat zat a tam a pung an siam mai a, chu chu sumdawng mamawhtu tan chuan hnar hleih theihloh anih tlat avangin tunah hian Mizorama mimal pawisa nei tam tak chuan tiang hian mimal leh pawl hnenah pawisa an puktir mek a, Chanchinbu lamah te hial pawh pawisa pukduh leh puktir thei an in Advertise ngam tawh anih hi! Tun hunah hian buaipui tham em em nilo mahsela, kan Profit te hi a nuai leh vaibelchhia mal lek lek an la nih chhung hi chuan buaipui tham angin langlo mahse, kan Economy an khawih pawi ve pha tlat niin a lang.
Pawisa hi pung tam taka an puk avang leh thlatin a a pung tam tham tak rulh a ngaih tak avang hian thawmhnaw leh dawr bungrua (commodities) man pawh a pung ta reng a ni. A tawpa tuartu chu mipui bawk an ni leh tho tho. Banking Regulations hi Sorkar laipui hian a kan mamawh ang mil hian min thlak danglam sak dawnlo. Mahse State Sorkarin thuneihna sang tak a neih erawh i hre reng ang u. Tunah hian State Bank, Apex leh Rural etc te hian an Loan pek chhuah tur ang hi 50% an pe anih chuan pe sang tak an ni ang. Nimahsela, chuti chung chung chuan Sorkar atanga Transaction leh Depositing Fees atang hian an Target an khum thei tlat si a.
Hmunpui zawk atanga an hotute duhdan angin an kallo ngam mai a, a tawpa a tuartu chu mipui vantlang bawk kan ni leh ta a ni. Hetiang renga kan kal anih chuan nakin lawkah chuan mimal anga pawisa puktir thei an tam tulh tulh dawn a, chu chuan nasa takin kan ram zimte Economy hi a khawih pawi dawn a, sum leh pai hlutna thlengin hei hian a khawih tel thei tlat tih i hria ang u. Sorkar tan hengho hi Regulate theih ngawt a ni lo, mahse a tawpah chuan Bad Debt avangin kan buai tho tho ang a, chutih huna a tuartu tur ber chu mipui bawk kan ni leh dawn a ni. Chuvang chuan Sorkar hian helam hawi hian ngaihtuahna han seng ve teh se.
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