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cfb]z
Gof=/fds' d f/k| ; fb zfxM tTsfnLg
g]kfn clw/fHosf] ;+ljwfg, @)$& sf] wf/f **-@_
cGtu{t bfo/ ePsf] l/6 lgj]bgdf o; cbfntsf]
;+oQ
' m Ohnf;af6 @)^#.%.!! df ePsf] km};nfdf
Gofo k|zf;g P]g, @)$* sf] bkmf !!-!_ sf] v08
-v_ adf]lhd k'g/fjnf]sg u/L x]g{] lg:;f k|bfg
eO{ k]z ePsf] k|:t't d'2fsf] tYo Pj+ lg0f{o o;
k|sf/ 5M
k" j { / blIf0f af8fsf] ljtf{ , pQ/
s[i0fk|;fbsf] ljtf{, klZrd wf]aLvf]nf olt rf/
lsNnfleqsf] /f]kgL @^!$)@ hUuf >L
kz'kltgfy dxf:gfg u'7Lsf] nut g+= #@( tyf
#@(! g+= df btf{ eO{ u'7Lsf] xs :jfldTj ePsf]
hUuf xf] . @)@! ;fndf hUuf gfk hfFr P]g adf]lhd
gfkL x'bF fsf avt pQm hUufsf] aLraf6 wf]aL
vf]nf aUg uO{ hUuf jfl/kfl/ eO{ vf]nfsf]
klZrdtkm{sf] hUuf sf7df8f}+ gu/kflnsf j8f g+=
@#-6_ ls=g+= $), $!, $@, $# tyf vf]nfsf] k"jt{ km{
rfjlxn j8f g+= ( -s_ ls=g+= %) sf] hUuf eg]
cfjfbL hlgO{ gfkL eof] . ;a} lsQf hUuf @@&
) hUuf cfjfbL eof] eg] cGo hUuf rfjlxn j8f
g+= *-s_ ls=g+= # df wf]aL vf]nf hlgO{ gfkgS;f
eof] .
vf]nfn] vfPsf] hUuf vf]nfn] 5f8L @)$%
;fnsf] k'gM gfkLdf sf7df8f}+ lhNnf sf7df8f}+
dxfgu/kflnsf j8f g+= &-v_ ! l;6 g+= @)@
!)@&!# ls=g+= # sf] If]qkmn /f]kgL %@!!
tyf P] j8f g+= & l;6 g+= !)@!)@&!* lsQf g+=
(@ df )!%@! sfod eO{ hUufwgL u'7L ;+:yfg
kz'klt dxf:gfg u'7L hlgO{ gfkL ePsf]df s;}sf]
lvrf]nf bfjL 5}g . kz'klt dxf:gfg u'7Lsf gfddf
gfkL btf{ ePsf] clGtd eO{ a;]sf] 5 . ;f] hUuf
btf{ x'g;Dd 5"6 ePsf]n] btf{ ug{ :jLs[ltsf]
nflu ;a"b k|df0f tyf sf/jfxL kmfon ;lxt
e"ld;'wf/ tyf Joj:Yff dGqfnodf u'7L ;+:yfg
;~rfns ;ldltsf] ldlt @)%(.(.$ sf]
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&
lg0f{o g+=**))
;jf]R{ r cbfnt, ljz]if Ohnf;
dfggLo GofofwLz >L tflx/ cnL cG;f/L
dfggLo GofofwLz >L k]d
| zdf{
dfggLo GofofwLz >L k|sfz j:tL
l/6 g+= )^&WS))&@
cfb]z ldltM @)^*.!!.$.%
ljifo M pTk]i| f0f .
lgj]bsM lh= sfe]k| nf~rf]s, b]je"ld uf=lj=;= j8f
g+= % 3/ e} xfn :yfgLo ljsf; dGqfno
b'ud
{ If]q ljsf; ;ldltdf /f=k= cglt
k|yd >]0fLsf] n]vfkfn kbdf sfo{/t\ jif{
#( sf] bLksk|;fb Gof}kfg]
lj?4
ljkIfLM k|wfgdGqL tyf dlGqkl/ifb\s
\ f] sfof{no ;d]t
g] k fn ;/sf/n] k| T ofof] l ht
ljwfogcGtu{t ljsf; ;ldlt -u7g_
cfb]z hf/L u/]sf] / ;f] cfb]zadf]lhd
ul7t ;ldltn] agfPsf] lgodfjnL
g]kfn ;/sf/n] :jLs[lt k|bfg u/]kl5
dfq nfu" x'g] eGg] Joj:yf u/]sf]af6
u7g cfb]z klg ljsf; ;ldlt P]gn]
533
cfb]z
Gof=tflx/ cnL cG;f/LM g] k fnsf]
cGtl/d ;+ljwfg @)^# sf] wf/f !)&-!_ adf]lhd
bfo/ x'g cfPsf] k|:t't l/6 lgj]bgsf] ;+lIfKt tYo
Pj+ cfb]z o; k|sf/ 5 M
d lgj]bs ldlt @)%^.$.!) df b'ud
{ If]q
ljsf; ;ldlt cGtu{t lhNnf ljsf; ;ldltsf]
sfof{no ;f]nv
' D' a'sf] n]vfkfn -/f=k=k|yd >]0fL_
df :yfoL lgo'lQm e} ;]jf k|jz
] u/]sf]df xfn ;f]xL
b'ud
{ If]q ljsf; ;ldltsf] sfof{nodf n]vfkfn
kbdf sfo{/t\ /x]sf] 5' .
b'ud
{ If]q ljsf; ;ldltsf] u7g b'ud
{ If]q
ljsf; ;ldlt -u7g_ cfb]z @)## cGtu{t ePsf]
xf] . ;f] u7g cfb]zsf] bkmf ( n] ;ldltn] cfgf]
sfo{ ;~rfngsf] nflu cfjZos lgod agfpg
;Sg] u/L ;ldltnfO{ g} clwsf/sf] k|Tofof]hg u/]sf]
5 . ;f] u7g cfb]z @)## ldlt @)^# ;fndf
;+zf]wg x'bF f ePsf] bkmf ( sf] ;+zf]wgdf klg
;ldltn] cfgf] sfo{ ;~rfngsf] nflu cfkm} lgod
agfpg ;Sg] / To:tf] lgod g]kfn ;/sf/af6
:jLs[t ePkl5 nfu" x'g5
] eGg] Joj:yf u/L ;ldltn]
cfgf] lgod cfkm} agfpg kfpg] clwsf/nfO{
;'/lIft g} /fv]sf] 5 .
b'u{dIf]q ljsf; ;ldltn] cfgf] sfo{
;~rfngsf] nflu b'u{dIf]q ljsf; lgodfjnL,
@)%! -;+zf]wg @)%* ;lxt_ agfP/ sfo{
;~rfng ub}{ cfPsf]df ldlt @)^% r}t !& ut]
k|wfgdGqL tyf dlGqkl/ifb\s
\ f] sfof{non] :yfgLo
ljsf; dGqfnonfO{ kq n]vL :yfgLo ljsf;
dGqfnosf] k|:tfjdf @)^%.!).( sf] dlGqkl/ifb\s
\ f]
a}7saf6 dlGqkl/ifb\\ ljw]os ;ldltdf 5nkmn
e} )^%.!@.$ df ul7t pk;ldltn] kl/dflh{t
u/]sf] lgodfjnLsf] 5nkmn x'bF f b'ud{ If]q ljsf;
;ldltsf] sfo{ ;~rfng lgodfjnL @)^% :jLs[lt
ug]{ egL k7fPsf] kq ;fy ;+nUg pQm lgodfjnL,
@)^% sf] Joj:yf x]bf{ u7g cfb]z @)## -;+zf]wg
)^#_ sf] bkmf $-h_ sf] k|lts"n x'g] u/L ;f]
lgodfjnL @)^% sf] lgod @$-!_ / -$_ df
534
&
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542
k|wfgdGqLaf6 tf]ss
] f] eGg] s'/f ;+3Lo dfldnf,
;+ljwfg;ef, ;+;bLo Joj:yf tyf ;+:s[lt
dGqfnoaf6 k|fKt kmfonaf6 b]lvPsf] 5 . pQm
kmfOnaf6 g]kfn nlntsnf k|1f k|lti7fg P]g, @)^$
sf] bkmf * adf]lhd l;kmfl/z ;ldlt u7g eO{
pQm ;ldltsf] l;kmfl/zdf k|wfgdGqLn] pk/f]Qm
bkmf @!-!_ adf]lhd ljkIfLxnfO{ kl/ifb\sf]
kbflwsf/Ldf lgo'Qm u/]sf] eGg] Joxf]/fx ;lxtsf
lgo'lQmkqxaf6 b]lvPsf]n] ;f] lg0f{o dlGqkl/ifb\a\ f6
ePsf] ge} k|wfgdGqLn] u/]sf] eGg] s'/f pQm lg0f{o
kmfonaf6 b]lvPsf] 5 .
k|wfgdGqLn] k|f1;efdf @$ hgf dgf]gLt
ug]{ g]kfn nlntsnf k|1f k|lti7fg P]g, @)^$ sf]
bkmf &-@_-3_ sf] Joj:yfsf ;DaGwdf x]bf{ lghn]
dgf]gLt ug]{ clwstd ;+Vof @$ xf] . dgf]gLt
ug]n
{ ] ;f] ;Ldf eGbf a9L ug{ gkfpg] xf], o;df
clt Go"g ;+Vofdf dgf]gLt u/]sf] geO{ k"/f ;+Vof
@$ hgf x'gd] f @! hgf dgf]gLt ul/;s]sf] b]lvG5 .
g]kfn nlntsnf k|1f k|lti7fg P]g, @)^$ sf] bkmf
!) adf]lhd ;efdf tTsfn sfod /x]sf ;b:o
;+Vofsf] krf; k|ltzt eGbf a9L ;b:ox pkl:yt
ePdf ;efsf] a}7ssf] u0fk"/s ;+Vof dflgg] eGg]
pNn]v ePsf] kfOFbf dfq tLg hgf ;b:o dgf]gLt
gePs} sf/0fn] ;efsf] a}7s ck"0f{ tyf j}wtfljxLg
x'g] eGg] klg b]lvPg .
ctM dfly ljj]lrt cfwf/af6 g]kfn
nlntsnf k|1f k|lti7fgsf] ;ef / kl/ifb\ u7gsf]
nflu ldlt @)^^.!@.@^ sf] l;kmfl/z ;ldlt u7g
ug]{ elgPsf] lg0f{o, ;f] ;ldltn] ldlt @)^^.!@.#!
df k|f1;ef / kl/ifb\df dgf]gog / lgo'lQmsf]
nflu u/]sf] l;kmfl/z tyf ldlt @)^&.!.@ sf] lgo'lQm
;d]tsf lg0f{o g]kfn nlntsnf k|1f k|lti7fg P]g,
@)^$ sf] bkmf &-@_, *-!_, *-@_ / !!-@_ -u_ / @!
adf]lhd eP u/]sf] b]lvg'sf] cltl/Qm pQm
lg0f{ o xaf6 lgj] b ssf] s' g } sfg" g L tyf
;+ljwfgk|bQ xsdf c;/ k'us
] f] gb]lvbf l/6 lgj]bg
vf/]h x'g] 7x5{ eGg] ;d]t Joxf]/fsf] dfggLo
GofofwLz >L k|d
] zdf{sf] /fo .
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-_
s'nklt
- cWoIf
pks'nklt
- pkfWoIf
;lrj, ;+:s[lt ko{6g tyf gful/s p8\8og
dGqfno
- ;b:o
nlntsnfsf] If]q;+uF ;DalGwt ljlzi7
JolQmxdWo]af6 ;dfj]lztfnfO{ Wofgdf
/fvL dlxnfx ;d]tsf] pko'Qm k|ltlglwTj
x'g] u/L k|wfgdGqLn] dgf]gLt u/]sf] rf}lj;
hgf
- ;b:o
;lrj
- ;b:o;lrj
-3_
s'nklt
- cWoIf
pks'nklt
- pkfWoIf
;efsf dgf]gLt ;b:oxdWo]af6 sDtLdf
b'O{ hgf dlxnf ;lxt ;DejeP;Dd
ljleGg hft, hflt, efiffefifLsf] k|ltlglwTj
x'g] u/L k|wfgdGqLaf6 dgf]gLt 5hgf
- ;b:o
;lrj
- ;b:o;lrj
^= k| w fgdGqLsf] tkm{ a f6 k| f 1 /
kbflwsf/Lsf] ?kdf dgf]gog jf lgo'Qm ug]{
pk/f]Qm ;b:oxsf] nflu gfd l;kmfl/z ug{
548
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&
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556
&
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564
&
570
572
&
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&
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**)& g]kfn lghfdtL sd{rf/L ;+u7g, ljefuLo sfo{ ;ldlt, ;jf]R{ r cbfnt lj=dlGqkl/ifb\sf] sfof{no ;d]t
&
587
588
**)& g]kfn lghfdtL sd{rf/L ;+u7g, ljefuLo sfo{ ;ldlt, ;jf]R{ r cbfnt lj=dlGqkl/ifb\sf] sfof{no ;d]t
589
zflGtk|;fb n'O6F{ n
] n] o; cbfntdf bfo/ u/]sf]
l/6 lgj]bg .
o;df s] s;f] ePsf] xf] < lgj]bssf] dfu
adf]lhdsf] cfb]z lsg hf/L x'g gkg]{ xf] < of]
cfb]z k|fKt ePsf] ldltn] jf6fsf Dofbjfx]s !%
lbg leq ;DalGwt ldl;n ;fy /fvL
dxfGofoflwjQmfsf] sfof{nodfk{mt\ lnlvt hjfkm
k7fpg' eGg] ;d]t Joxf]/fsf] sf/0f b]vfp cfb]z .
sfof{nosf] sfddf ePsf] j[l4 ;d]tsf
sf/0f sd{rf/Lxdf sfof{nosf] sfd k|ltsf] ?rLdf
yk k|fT] ;fxg k|bfg u/L l56f], 5l/tf] pQ/bfoL,
glthf pGd"v k|lt:kwL{ ;]jf k|bfg ug{ ;lsof];
eGg] p2]Zon] sfo{;Dkfbgdf cfwfl/t k|fT] ;fxg
k|0ffnL s]xL ;/sf/L lgsfxdf nfu" ePsf] / s]
s'g lgsfonfO{ s] sfdsf] nflu slt cltl/Qm eQf
k|bfg ug]{ xf] ;f] s'/f g]kfn ;/sf/af6 lg0f{o x'g]
ljifo xf] . ;jf]{Rr cbfntdf sfo{;Dkfbgdf
cfwfl/t k|fT] ;fxg k|0ffnL nfu" ug]{ ;xdlt k|bfg
ug]{ sfo{df o; dGqfnosf] k|ToIftM ;+nUgtf x'g]
ljifo gePsf]n] o; dGqfnonfO{ ljkIfL agfpg'
kg]{ s'g} sf/0f gePsf] x'bF f k|:t't l/6 lgj]bg
vf/]h ul/kfpFm eGg] ;d]t Joxf]/fsf] ;fdfGo k|zf;g
dGqfnosf] lnlvt hjfkm .
/fHo ;~rfngsf] k|d'v ;|f]tsf] ?kdf
/x]sf] /fhZj ;+sngnfO{ cem a9L k|efjsf/L
agfO{ o;df j[l4 ug{ ljleGg ;'wf/sf sfo{qmdx
;~rfng ul/b} cfPsf] / o;} qmddf /fhZj ;+sng
ug] { sfof{ n oxdf sfo{ ;Dkfbg:t/ /
sd{rf/LnfO{ lbg] tnj ;'ljwfaLr tfbfTDotf
sfod gu/L lglZrt tnjsf] cfwf/df dfq sfd
nufpFbf s/bftfsf] k|nf]egdf k/L cafl~5t
ljsNk vf]Hg ;Sg] ;Defjgf ePsf]n] To:tf]
;+efjgfnfO{ Go"g u/L /fhZj k|zf;gnfO{ :jR5
t'Nofpg ldlt @)^#.&.! b]lv o; k|0ffnLsf] z'?jft
s]xL ;Lldt sfof{noaf6 k/LIf0fsf ?kdf ePsf]
lyof] . tt\kZrft /fhZj ;+sngdf ;'wf/ eO{
eG;f/ ljefu / cfGtl/s /fhZj ljefucGtu{tsf
sfof{nodf ;d]t of] k|0ffnL nfu" ePkZrft\ /fhZj
590
**)& g]kfn lghfdtL sd{rf/L ;+u7g, ljefuLo sfo{ ;ldlt, ;jf]R{ r cbfnt lj=dlGqkl/ifb\sf] sfof{no ;d]t
592
**)& g]kfn lghfdtL sd{rf/L ;+u7g, ljefuLo sfo{ ;ldlt, ;jf]R{ r cbfnt lj=dlGqkl/ifb\sf] sfof{no ;d]t
Motivated ePsf]
594
**)& g]kfn lghfdtL sd{rf/L ;+u7g, ljefuLo sfo{ ;ldlt, ;jf]R{ r cbfnt lj=dlGqkl/ifb\sf] sfof{no ;d]t
596
**)& g]kfn lghfdtL sd{rf/L ;+u7g, ljefuLo sfo{ ;ldlt, ;jf]R{ r cbfnt lj=dlGqkl/ifb\sf] sfof{no ;d]t
598
**)& g]kfn lghfdtL sd{rf/L ;+u7g, ljefuLo sfo{ ;ldlt, ;jf]R{ r cbfnt lj=dlGqkl/ifb\sf] sfof{no ;d]t
&
600
lg0f{o g+=**)*
;jf]{Rr cbfnt, ;+o'Qm Ohnf;
dfggLo GofofwLz >L tflx/ cnL cG;f/L
dfggLo GofofwLz >L e/t/fh pk|]tL
@)^$ WO- )^*@
cfb]z ldltM @)^(.!.#.!
laifo M pTk|]if0f, k/dfb]z .
lgj]bsM sf lh=sf=d=g=kf=# nflhDkf6 l:yt Pe/]i6
a}+s lnld6]8, k|wfg sfof{nosf] tkm{af6
clVtof/k|fKt k|df]b/fh zdf{
lj?4
ljkIfLM C0f c;"nL k'g/fj]bg Gofoflws/0f ;d]t
k|tLtkqcg';f/sf] ;fdfgx laqmLstf{n]
v/Lbstf{nfO{ x:tfGt/0f ug]{ qmddf
9'jfgLstf{nfO{ a'emfPsf] lnvt (Bill of
Lading, Airway bill etc.) / k|tLtkqdf
lgwf{l/t cGo lnvtx laqmLstf{n]
k|tLtkq vf]Ng] a}s
+ nfO{ a'emfPkl5 ;f]sf]
;fdfGo k/LIf0fsf] cfwf/df k|tLtkq
vf] N g] a} + s n] pQm ;fdfgsf] d" N o
laqmLstf{nfO{ e'QmfgL ug]{ bfloTj z'?
x'G5 . of] bfloTj a}+sn] s;/L k"/f ug]{
eGg] s'/f k|tLtkq vf]Nbfsf] ;dodf a}s
+
/ C0fL cyf{t\ k|tLtkq vf]Ng lgj]bg
lbg] JolQm kmd{ jf sDkgLaLr lgwf{l/t
zt{df e/ kg]{ .
-k|s/0f g+=!)_
zt{ c g' k k| t Ltkqdf plNnlvt
;fdfgsf] d"No laqmLstf{nfO{ a'emfPsf]
k|df0f / pQm d"No a/fa/sf] /sd
C0fLsf] C0f vftfdf a's ul/Pkl5
C0fLsf] gfddf 6 i 6 l/l;K6 shf{
sfod ePsf] dflgG5 . k| t Ltkq
vf] N g] a} + s n] k| t Ltkqcg' ; f/sf]
601
j}s
+ tyf ljQLo ;+:yfsf] C0f c;"nL P]g,
k|ToyL{ C0fL s]=lj=o"=h]lgy ljleGg
@)%* sf] bkmf !(
;]Gy]l6s ;fdfgx pTkfbg u/L cfkm\gf] Aofkf/
Aofj;fosf] nflu cfjZos kg]{ Industrial Raw
cfb]z
Materials tfO{jfgsf] YI CHUN TEXTILE LTD af6
Gof=e/t/fh pk|]tLM g]kfnsf] cGtl/d ;g\ !( cui6 @))) sf] Proforma Invoice sales
;+ljwfg, @)^# sf] wf/f #@ / !)&-@_ adf]lhd confirmation g+= 00819 A ;lxtsf] kqdf pNn]v
o; cbfntsf] clwsf/If]qleq kg{ cfPsf] k|:t't ePadf]lhd k|tLtkqdfkm{t\ lemsfpgsf] nflu ;g\
lgj]bgsf] ;+lIfKt tYo / 7x/ o; k|sf/ 5 M ! cS6'j/ @))) df n]6/ ckm qm]l86sf] kmf/d
3/]n' tyf ;fgf pBf]u sfof{no df]/ o; a}s
+ df a'emfpg' ePsf]n] o; j}s
+ sf] la/f6gu/
lj/f6gu/df k|fO{e]6 kmd{ /lhi6]zg P]g, @)!$ zfvf sfof{nosf] l;kmfl/z;lxt k|wfg sfof{nodf
adf]lhd k|f=km=g+=$#!$.)%$.)%% df btf{ ;g\ ! cS6'j/ @))) df k|tLtkq vf]Ngsf] nflu
ePsf] k|ToyL{ s]=lj=o'=h]lgysf] k|f]=k|ToyL{ ntf k|:tfj kq k7fpg' e} pQm k|:tfj ;xfos
em'gem'gjfnfn] tTsfn axfn /x]sf] jfl0fHo dxfk|jGwsn] ;g\ @ cS6'j/ @))) df o'=o;
a} + s P] g , @)#! tyf a} + s sf] k| j Gwkq / 8n/ @!,#&% sf] tTsfn k|rngdf /x]sf] ?=&#=^)
lgodfjnLsf] clwgdf /xL k|ToyL{ pdfs'df/L b/n] g]=?= !% nfv &# xhf/ a/fa/sf] k|tLtkq
rf}w/Lsf] gfddf btf{ /x]sf] ;'g;/L lhNnf vf]Ng], ;f]df C0fLn] !) k|ltzt dflh{g /sd
b'xaL uf=lj=;=j8f g+=% -v_ ls=g++=!%)) sf] /fVg nufO{ ;f] /sddWo] *% k|ltzt d"No
If]qkmn )!#$ !@ sf] hUuf lwtf] /fvL / a/fa/sf] a}s
+ sf] l6=cf/=shf{df a's ug]{ zt{;lxt
k| T oyL{ x k| ] d s' d f/ rf} w /L / pdfs' d f/L :jLs[t ePsf] lyof] . a}ssf] zfvf sfof{non]
cu| j fnn] JolQmut hdfgLsf] sfuh u/L ;g\ # cS6' j / @))) df k| t Ltkq g+ =
a}+saf6 C0f shf{ tyf a}+ls ;'lawfx pkef]u EBL/BRT/FC/455 sf] k|tLtkq vf]nL C0f shf{
ug{' ePsf] lyof] . ;f] afkt k|ToyL{ C0fLxn] pkef]u ug'{ ePsf] 5 .
a}+snfO{ ltg'{ a'emfpg' kg]{ ;fjfF Aofhnufotsf
plNnlvt k|tLtkqdf plNnlvt /sd
/sdx lgwf{l/t ;dodf glt/] ga'emfPsf]n] e'QmfgL lbgsf] nflu sfuhftx k|fKt ePkZrft\\
lwtf] ;'/If0fsf] hUuf ;sf/ u/L lnbf ;d]t lgj]bs a}s
+ af6 k|tLtkqsf] /sd e'QmfgL ul/Psf]
?=!^,*!,@@).$* jfFsL /x]sf]n] pQm /sd tyf 5 . pQm e'QmfgLsf] cfwf/df k|ToyL{ C0fLn]
km} ; nf x' F b f ;Ddsf] ;fjfF Aofh ;d] t ;fdfgx cfoft u/]sf] tYo a}s
+ sf] !( gf]eD] a/,
k|ToyL{xaf6 lbnfO{ e/fO{ kfpFm egL j}+ssf] @))) sf] ef}r/, !( gf]e]Da/ @))) sf] C0fLsf]
tkm{af6 df]/ lhNnf cbfntdf lkm/fb kq bfo/ gfddf a}+sn] lbPsf] k|tLtkq vf]n]sf] /sd, ;f]
ul/Psf] lyof] . lkm/fb ljrf/fwLg /x]s} ca:yfdf ubf{ nfu]sf] cGo vr{x ;d]tsf] ljj/0f;lxtsf]
C0f c;"nL Gofoflws/0fn] P]gsf] bkmf # cg';f/ Credit advice cflb sfuhftx ;d]tn] lglj{jfb
Gofoflws/0faf6 lg0f{o x'Fbf k|ltjfbL ntf ?kaf6 k'li6 ul//x]sf] 5 . ;f]xL /sdnfO{ g} a}l+ s
em'gem'gjfnfn] 6i6 l/l;K6 shf{ lnPsf] s'g} k|rngcg';f/ l6=cf/=shf{df ?kfGt/0f ul/Psf]
cflwsfl/s k|df0f k]z x'g gcfPsf] x'Fbf cf]e/ 5 .
8f6 shf{ pkef]u u/]afktsf] /sd dfq lbnfO{
o; a}ssf] la/f6gu/ zfvfn] C0fL s]=lj=o"
e/fO{ kfpg] 7x5{ egL lg0f{o eO{ C0f c;"nL h]lgynfO{ shf{ vftf g+=)))($) W df Loan
k'g/fj]bg Gofoflws/0faf6 @)^$.%.$ df ;f] Disbursed u/L ;g\ !( gf]e]Dj/, @))) df
lg0f{o ;b/ eof] .
k|tLtkq g+=LC/BFC/455 cGtu{t () lbg cjlwsf]
602
604
608
609
&
610
lg0f{o g+=**)(
;jf]R{ r cbfnt, ;+oQ
' m Ohnf;
dfggLo GofofwLz >L tflx/ cnL cG;f/L
dfggLo GofofwLz >L e/t/fh pk|t] L
@)^&CR))(!
km};nf ldltM @)^(.!.!).!
d'2f M 7uL .
k'g/fj]bs jfbLM w|a' ltdlN;gf ;d]tsf] hfx]/Ln]
g]kfn ;/sf/
lj?4
k|ToyL{ k|ltjfbLM x' jO{ ;' 5' l;rfg rLg 3/ eO{
sf7df8f}+ lhNnf, sf=d=g=kf= afg]Zj/l:yt
ldng rf]sdf 8]/f u/L Jofkf/ ub}{ cfPsf
lrlgof gful/s j|;j' ' eGg] We yu jiang
z'? km};nf ug]{ M
df=Gof=>L ;To/fh u'?
k'g/fj]bg km};nf ug]M{
df=Gof=>L b]jG] b| uf]kfn >]i7
df=Gof=>L O{Zj/k|;fb vltj8f
s/f/sf] zt{ kfng u/], gu/]sf] ;DaGwdf
/ To;af6 x'g uPsf] Iflt jf gf]S;fgLsf]
;DaGwdf s/f/;DaGwL P]gn] b]jfgL
bfloTjsf] l;h{gf x'g] cj:yf x'G5 . z'4
?kn] s/f/Lo bfloTj ;DaGwdf k/]sf]
lajfbsf] lg/f]k0f klg s/f/ P]gcg'k
x'gk' g]{ x'G5 . b]jfgL k|sl[ tsf] lajfbnfO{
anhtL kmf}hbf/L k|s[ltsf] ljjfbsf]
l;h{gf ug]{ u/fpg] tkm{ nfUg' plrt
gx' g ] .
-k|s/0f g+=%_
b' a } kIf ldnL /fhLv' z Ln] u/] s f]
s/f/sf] ;DaGwdf, sk6k" j { s
(Fraudulently) s/f/ ePsf] jf s'g}
sfg"gsf] pNn+3g x'g] u/L s/f/ u/]sf]
km};nf
Gof=tflx/ cnL cG;f/LM k' g /fj] b g
cbfnt, kf6gsf] ldlt @)^^.*.( sf] km};nfpk/
Gofo k|zf;g P]g, @)$* sf] bkmf (-!_-u_ adf]lhd
jfbL g]kfn ;/sf/sf] tkm{af6 o; cbfntdf
k'g/fj]bg k/L Ohnf;;dIf k]z x'g cfPsf] k|:t't
d'2fsf] ;+lIfKt tYo Pj+ 7x/ o; k|sf/ /x]sf] 5 M
d ;d]tsf hfx]/Ldf plNnlvt !) hgf
hfx]/jfnfx klZdgf Jofkf/L xf}+ . rfOgfdf Jofkf/
ug]{ l;nl;nfdf a|;j';uF lrghfg ePsf] xf] . lghn]
rLgaf6 klZdgf NofO{ lbg] ;DaGwdf lgh j|;a' /
d;d]tsf hfx]/jfnf;Fu laleGg ldltdf ;Demf}tf
eO{ xfdLxaf6 tk;Lnadf]lhd ?=$@,@$,^@%.
nuL klZdgf ;d]t gdufO{ xfdLaf6 lnPsf] k};f
;d]t lkmtf{ gu/L cfn6fn ub}{ 7uL u/]sf] x'bF f
sfg"gadf]lhd sf/jfxL ul/kfpFm eGg] hfx]/L
b/vf:t .
611
We yu jiang
tk;Ln
;'/h e/fO{
?=@,)%,))).
clht Gof}kfg]
!%.)#.@))% df
?=$,*),))).
/d]z lji6
;g\ @*.)!.@))% df
?= *@,%)).
/fh]Gb| cfrfo{
#!.!).@))% df lnPsf]
?= @,(),))).
s]zj kf}8]n
!&.!@.@))$ df lnPsf]
hDdf
?= *,&&,%)).
?=$@,@$,^@%.
We yu jiang
d'ns
' L P]g, 7uLsf] ! g+= sf] kl/efiffleq kg]{ x'bF f
k|ltjfbLnfO{ ;kmfO{ lbg] u/L k'g/fj]bg cbfnt,
kf6gaf6 ePsf] km};nf q'l6k"0f{ ePsf]n] ab/ u/L
k|ltjfbLnfO{ cleof]u dfu bfjLadf]lhd ;hfo
ul/kfpFm eGg] ;d]t Joxf]/fsf] jfbL g]kfn ;/sf/sf]
tkm{af6 o; cbfntdf kg{ cfPsf] k'g/fj]bg kq .
lgodadf] l hd k] z L ;" r Ldf r9L
Ohnf;;dIf k]z x'g cfPsf] k|:t't d'2fdf
k'g/fj]bs jfbL g]kfn ;/sf/sf] tkm{af6 pkl:yt
pkGofoflwjQmf >L /]jtL/fh lqkf7Ln] k|ltjfbL
j|;j' eGg] We yu Jiang n] hfx]/jfnfxnfO{
ljZjf;df kf/L cfk"m;Fu gePsf] klZdgf wfuf] 5
egL ukmntdf kf/L /sd lnO{ ;fdfg gNofPsf]
egL cg';Gwfgsf] qmddf cf/f]lkt s;"/df ;fljt
ePsf] 5 . b'O{ kIfLaLr ePsf] ;Demf}tf pNn+3g
ePdf s/f/Lo bfloTj l;h{gf x'g] x'Fbf k|ltjfbLn]
cleof]u bfjLaf6 ;kmfO{ kfpg] u/L 7uLsf] dxnsf]
! g+= df plNnlvt sfg"gsf] unt JofVof u/L
k'g/fj]bg cbfnt, kf6gaf6 ePsf] km};nf q'l6k"0f{
/x]sf] 5 . ctM k'g/fj]bg cbfntsf] km};nf ab/
u/L k|ltjfbLnfO{ cleof]u dfu bfjLadf]lhd
7uLsf] ;hfo s;"/df ;hfo ul/of];\ eGg] ;d]t
Joxf]/fsf] ax; k|:t't ug'{eof] .
ljfg pkGofoflwjQmfn] ug'{ePsf] ax;
;'gL k'g/fj]bg;lxtsf] ;Dk"0f{ ldl;n ;d]t cWoog
u/L x]bf{, k'g/fj]bg cbfnt, kf6gsf] km};nf ldn]sf]
5, 5}g < jfbL g]kfn ;/sf/sf] k'g/fj]bg lhsL/
k'Ug ;S5, ;Sb}g < ;f] ;DaGwdf lg0f{o lbg'kg]{
b]lvg cfof] .
@= lg0f{otkm{ ljrf/ ubf{ k|ltjfbL lrlgof
gful/s a|';a' eGg] We yu jiang n] rLgaf6
kl:dgf dufO{ lbG5' egL hfx]/jfnfxaf6 hDdf
?=$@,@$^@%. lnO{ vfO{ sjf]n u/]cg';f/sf]
;fdfg gdufO{ 7uL u/]sf]n] d'n'sL P]g, 7uLsf]
dxnsf] ! g+= adf]lhdsf] s;"/df ;f]xL dxnsf]
$ g+= cg';f/ ;hfo u/L 7uL u/]sf] pQm /sd
k|ltjfbLaf6 hfx]/jfnfxnfO{ lbnfO{ e/fO{ kfpFm
eGg] cleof]u dfu bfjL /x]sf] kfOG5 .
614
&
lg0f{o g+=**!)
;jf]{Rr cbfnt, ;+o'Qm Ohnf;
dfggLo GofofwLz >L tflx/ cnL cG;f/L
dfggLo GofofwLz k|f=8f=>L e/taxfb'/ sfsL{
@)^&WO!!*)
cfb]z ldltM @)^(.!.!@.#
ljifo M pTk|]if0fo'Qm k/dfb]z .
lgj]bsM emfkf lhNnf, d]rLgu/ gu/kflnsf j8f
g+= !) 3/ eO{ sfFs/lef pRr dfWolds
ljBfno d]rLgu/ emfkfsf] dfWolds
lzIfs k|yd >]0fLsf] kbaf6 cjsfz k|fKt
k'0ok|;fb v/]n
lj?4
ljkIfLM ljBfno lzIfs lstfjvfgf, 5fpgLdfu{
sf7df8f}+ ;d]t
k]z u/]sf] lzIf0f ;+:yfsf] k|df0fkq,
gful/stfsf] k|df0fkq jf j}olQms
ljj/0fcg';f/ clen]vxdf km/s
km/s hGdldlt pNn] v ePsf]
615
618
lg0f{o g+=**!!
;jf]{Rr cbfnt, ;+o'Qm Ohnf;
dfggLo GofofwLz >L cjw]zs'df/ ofbj
dfggLo GofofwLz >L ts{/fh e
@)^%- CI )%@*
km};nf ldltM @)^*.&.@#.$
d'2f M lg0f{o ab/ Pj+ bflvn vf/]h btf{
sfod .
k'g/fj]bs k|ltjfbLM sf7df8f}+ lhNnf, sf7df8f}+
dxfgu/kflnsf, j8f g+= @ nflhDkf6
a:g] k|]dbf; k|sfzsf] d'=;= ug]{ P]= P]=
a:g] zf]efb]jL k|sfz ;d]t
lj4
k|ToyL{ jfbLM a}t8L lhNnf, k'rf}8L306 ufpF ljsf;
;ldlt a;Gtk'/ 3/ eO{ xfn sf7df8f}+
lhNnf, sf7df8f}+ dxfgu/kflnsf j8f
g+= @ a:g] /ZdLb]jL ad
z' km};nf ug]{ M
df=lh=Gof=>L e/tk|;fb clwsf/L
k'g/fj]bg km};nf ug]{ M
df=Gof=>L b'uf{k|;fb pk|]tL
df=Gof=>L xl/k|;fb l3ld/]
&
620
624
&
626
628
&
lg0f{o g+=**!#
;jf]{Rr cbfnt, ;+o'tm Ohnf;
dfggLo GofofwLz >L ;'zLnf sfsL{
dfggLo GofofwLz >L k|sfz j:tL
)^$WO))#(
cfb]z ldltM @)^*.(.!!.@
d'2f M pTk|]if0f .
lgj]bsM dsjfgk'/ lhNnf jf;fdf8L uf=lj=;=j8f
g+= % l:yt o'lglne/ g]kfn lnld6]8
-g]kfn lne/ ln=_ sf] tkm{af6 clwsf/
k|fKt eO{ cfkm\gf] xsdf ;d]t P]=sf=k|aGws
cDa/axfb'/ yfkf / P]=sf] k|aGw lgb]z
{ s
/fs]zdf]xgsf] ;6[fdf xfn ;f] kbdf lgo'Qm
eO{ sfo{/t\ sfd/fg jfs/
lj?4
ljkIfLM ;nf{xL lhNnf 5tf}gf uf=lj=;= j8f g+=
& a:g] j|hlszf]/ kl08t ;d]t
632
ul/Psf] jf ljifoj:t' d f k| j ] z
gu/]sf] lg0f{o sfg"g;Ddt gkfOPdf
k' g M ;f] x L lgsfodf lg0f{ o fy{
k7fpg' k g] { .
-k|s/0f g+=!^_
lgj]bs tkm{af6M ljfg jl/i7 clwjQmf zDe' yfkf
tyf clwjQmfx /d]z a8fn, ltnslaqmd
kf08], lzj l/hfn / cg"k/fh pk]t| L
ljkIfL tkm{af6M ljfg pkGofoflwjQmf /]jtL/fh
lqkf7L / ljfg jl/i7 clwjQmf xl/x/
bfxfn, ljfg clwjQmfx xl/k| ; fb
pk|]tL, ;tLz emf, k|zGgs[i0f bf; /
dxfb]j kl08t,
cjnlDat ghL/M
;Da4 sfg"gM
>d P]g, @)$* sf] bkmf %@, %#, %#-!_
/ -@_
cfb]z
Gof=k| s fz j:tLMg] k fnsf] cGtl/d
;+ljwfg, @)^# sf] wf/f #@ tyf !)&-@_ adf]lhd
o; cbfntsf] If] q flwsf/leqsf] k| : t' t l/6
lgj]bgsf] ;+lIfKt tYo / cfb]z o; k|sf/ 5 M
lgj]bs o'lglne/ g]kfn lnld6]8 sDkgL
P]g, @)@! adf]lhd lghL If]qaf6 :yflkt ePsf]
sDkgL xf] . o;n] :yfkgf ePb]lv g} k|rlnt
g]kfn sfg"gn] clwsf/ k|bfg u/]sf] sfo{ u/L
cfPsf] 5 . k| r lnt >d P] g tyf >d
lgodfjnLsf] cwLgdf /xL sDkgLn] sfdbf/
sd{rf/Lsf] ;]jf zt{ ljlgodfjnL -:yfoL cfb]z
Standing order_ agfPsf] 5 . sfdbf/ sd{rf/Lsf]
lgo'lQm ug]{, ;]jfsf zt{ lgwf{/0f ug]{, ;'ljwf lbg]
tyf v/fa cfr/0f u/]sf] cj:yfdf sf/jfxL
ug]{;DaGwL Joj:yf sd{rf/L ljlgdosf] cwLgdf
/x]/ ul/Fb} cfPsf] 5 .
sDkgLsf sd{ r f/L b] j fl;; ;f] d
sDkgLaf6 ef/t ;?jf eO{ kms{Fbf a'emfPsf] lk|mh
s_
640
642
lg0f{o g+=**!$
;jf]{Rr cbfnt, ;+o'Qm Ohnf;
dfggLo GofofwLz >L ;'zLnf sfsL{
dfggLo GofofwLz >L e/t/fh pk|]tL
;+jt\ @)^& ;fnsf] l/6 g+= )^^WO!@(#
cfb]z ldltM @)^*.!@.!%
ljifo M pTk|]if0fo'Qm k/dfb]z .
lgj] b sM nlntk' / lhNnf, nlntk' /
pkdxfgu/kflnsf, j8f g=+ !# l:yt o"lg6L
6fj/ hfjnfv]ndf d'Vo sfof{no /x]sf]
o"lg6L nfO{km OG6/g]zgn ln= sf] xsdf
clVtof/k|fKt cWoIf sfzL/fd u'?
lj?4
ljkIfLM k|wfgdGqL tyf dlGqkl/ifb\sf] sfof{no,
;d]t
s'g} JolQm, ;+:yf jf sDkgLxaf6
;~rflnt u}/sfg"gL sf/f]jf/ tyf cGo
clgoldt sfdsf/jfxLaf6 cfdhgtfsf]
;DklQ;DaGwL xsdf c;/ k/] s f] ,
hgtfx 7lug], e'mlSsg] sfdsf/jfxL
eP u/fOPsf 5g\ eGg] s'/f ;fj{hlgs
hfgsf/Ldf cfPkl5 o; ;DaGwdf
;To tYo kQf nufO{ bf]ifLx dfly
sfg"gL sf/jfxLsf] k|lqmof z'? ug]{
u/fpg] s' / f g] k fn ;/sf/df
cGt/\lgxLt ;+j}wflgs bfloTj tyf
st{Jo x'g] .
-k|s/0f g+=$_
g] k fn ;/sf/n] clwsf/k| f Kt
lgsfosf] Wofgfsif{ 0 f u/fpg jf
k| l tj] b gdf pNn] v ul/Psf ;To
tYoxsf] ljZn] i f0f u/L bf] i fLdfly
sfg" g L sf/jfxL rnfpg] egL
kqfrf/ ub} { d f sfg" g cg' ; f/
-s_
-v_
644
-u_
-3_
-k|s/0f g+=!(_
sDkgLsf] gfddf u}/sfg"gL sf/f]jf/
;~rfng u/] s f] b] l vPdf sDkgLsf
;+ : yfks, ;~rfns, sd{ r f/L tyf
o;sf] k|ltlglw dflgPsf] s'g} klg
JolQmpk/
k| r lnt
g] k fn
sfg"gcg';f/ clwsf/k|fKt lgsfon]
cfjZos sfg" g L sf/jfxL ug{ ; Sg]
g} b] l vF b f sDkgLsf] gfddf sfd
u/]sf] eGg] cfwf/df pGd'lQm kfpg
g;Sg] .
-k|s/0f g+=@)_
sDkgLsf] ef}lts cl:tTj geO{ cd"t{
x'g] x'Fbf o;nfO{ s}b ug{ g;lsg], o;sf]
:jtGq dg, dl:t:s jf ;f]Rg ;Sg] lbdfu
tyf cfTdf gePsf] x'gfn] o;n] cfTdbfx
ug]{ cj:yf klg gx'g] x'Fbf s'g} kmf}hbf/L
cfk/flws dg;fo (Mens Rea) klg
/fVg jf af]Sg g;Sg] .
;+ : yfks jf z] o /wgLxsf] dg
dl:tisaf6 ;~rfng x'g] ;fwf/0f ;ef,
;~rfns ;ldlt, k|jGw ;~rfns jf
k| j Gws h:tf c+ u jf kb jf
;ldltdfk{mt\ g} sDkgLsf] sf/f]jf/
;~rfng x' g ] x' F b f ;fdfGotofM
dfgl;s tTjsf] ljBdfgtf x'g} kg]{
s'g} kmf}hbf/L ck/fwdf sDkgLnfO{
;hfo ug] { cj:yf gx' g ] .
s'g} P]gdf g} sDkgLsf] tk{maf6 sfd
ug]{ ;~rfns, sd{rf/L jf JolQm g}
JolQmut ?kdf ;hfosf efuL x'g]
-3_
646
-_
648
650
u/]sf]df a}s
+ tyf ljQLo ;+:yf ;DaGwL P]g, @)^#
sf] bkmf *) n] lbPsf] clwsf/cg'k o; a}+sn]
u/]sf] o"lg6L nfO{km OG6/g]zgnsf] vftf /f]Ssf
/fVg]] sfo{n] lghsf] s'g} xs clwsf/nfO{ pNn+3g
gu/]sf] x'bF f pQm l/6 vf/]hefuL 5 eGg] Joxf]/fsf]
g]kfn /fi6 a}+ssf tkm{af6 k]z ePsf] lnlvt
hjfkm .
s'g} sDkgL sDkgL /lhi6f/sf] sfof{nodf
btf{ x'g' dfq} sf/f]jf/ ug]{ :jLs[lt k|fKt ug'{ xf]Og .
a}l+ s, aLdf ;]jf ;~rfng ug]{ sDkgLn] ;DalGwt
lgsfoaf6 cg'dlt k|fKt u/]kl5 dfq} ;]jf ;~rfng
ug{ kfpFb5g\ . sDkgL P]gadf]lhd s'g} vf;
sf/f]jf/ ug{ k|rlnt sfg"gadf]lhd cGo s'g}
;DalGwt lgsfoaf6 :jLs[lt lng' kg]d
{ f To;/L
:jLs[lt k|fKt u/]kl5 dfq} sf/f]jf/ ;~rfng ug{
kfOG5 . b]zsf] k|rlnt sfg"adf]lhd cg'dlt k|fKt
u/]s} x'g' kb{5 . u}/sfg"gL ?kdf ;~rflnt k]zf
tyf Joj;fonfO{ lgoldt ug',{ ca}w b]lvPdf vf/]h
ug'{ u/fpg' /fHosf] bfloTjleq kg]{ ePsf]n] l/6
lgj]bg cfwf/lxg / vf/]hefuL 5 . g]kfn ;/sf/,
cy{ dGqfnoaf6 ldlt @)^&.!.( df o"lg6L nfO{km
OG6/g]zgn lnld6]8sf] 5fglag ug{ ul7t ;ldltn]
a'emfPsf] k|ltj]bgsf] l;kmfl/z adf]lhd tyf g]6j{s
dfs]{l6 Joj;fosf ;DaGwdf Jofks ?kdf
hgu'gf;f] cfpg yfn]sf] x'bF f g]kfn ;/sf/af6
ldlt @)^^.!).!& df :jLs[lt ePsf] j:t' Jofkf/;Fu
;DalGwt g] 6 j{ s dfs] { l 6 Joj;fo;DaGwL
lgb]l{ zsf,@)^^ g]kfn ;/sf/sf] ldlt @)^&.@.(
sf] lg0f{ocg';f/ vf/]h ul/Psf] xf] pQm lgb]l{ zsfsf]
vf/]hL ;Fu;Fu} s'g} klg k|sf/sf] g]6j{s Joj;fo
gug{ gu/fpg ;fj{hlgs ;"rgf ;d]t hf/L
e};s]sf] x'bF f l/6 lgj]bg vf/]h ul/kfpFm eGg]
Joxf]/fsf] ljkIfL jfl0fHo tyf cfk"lt{ dGqfnosf]
lnlvt hjfkm .
o; sfof{ n osf] s' g } klg sfd
sf/jfxLaf6 ljkIfL lgj]bssf] s'g} xs clwsf/
xgg\ ePsf] 5}g . ;f] s'/f lgj]bgdf klg st}
pNn]v gePsf] x'Fbf ;f] l/6 lgj]bg vf/]h
654
658
v_
u_
3_
r_
664
-v_
-u_
-3_
668
670
k|lqmof z'? u/]sf] b]lvof] . o;af6 g]kfn /fi6 dlGqkl/ifb\sf] sfof{nosf] gfddf lgDgadf]lhd
a}+s, lwtf]kq af]8{ tyf aLdf ;ldlt h:tf lgb]{zgfTds cfb]z hf/L ul/Psf] 5M
lgodgsf/L lgsfoxn] Ohfhtkq glnO{
;j{;fwf/0faf6 lgIf]k p7fpg], z]o/ of]hgf,
1. Ohfht glnO{ aLdf Joj;fo jf ;f];+u
aLdf of]hgf h:tf sfo{qmd ;~rfng u/L
ldNbf]h'Nbf] k|s[ltsf] Joj;fo ;~rfng
lgj] b s sDkgLn] #^^#$# eGbf a9L
ug]{ u/fpg] s'g} klg JolQm, kmd{, sDkgL
;b:oxaf6 ;f9] tLg cj{ eGbf a9L /sd
jf ;d"xnfO{ b08 ;hfonufot cGo
;+sng ubf{ klg oL lgodgsf/L lgsfoaf6 s'g}
sf/jfxL ug{sf] nflu sfg"gL Joj:yf ug{
cg'udgsf] sfo{ jf cfgf] If]qflwsf/leq kg]{
ljBdfg aLdf P]g, @)$( nfO{ cfjZos
ljifodf s'g} sf/jfxL u/]sf] gb]lvgfn] plNnlvt
;+zf]wg ug]{nufot aLdf;DaGwL P]g
lgodgsf/L lgsfoxn] sfg" g f/f k| b Q
sfg"gdf ;fdlos ;'wf/ ug{ cfjZos
lgodgsf/L lhDd]jf/L tbf?vtf ;fy k"/f u/]sf]
sfo{ ug"{ .
b]lvPg . oL lgsfoxsf] u7gsf] p2]Zo /
2. k| r lnt sfg" g cg' ; f/ lgodgsf/L
lghxnfO{ lbOPsf] lhDd] j f/Lsf] k| s [ l t,
lgsfoaf6 Ohfht glnO{ z]o/ of]hgf
logLxnfO{ k| f Kt sfg" g L clVtof/Lsf]
jf aLdf of]hgfnufot s'g} klg of]hgf
uDeL/tfnfO{ x]bf{ g]kfn ;/sf/af6 plNnlvt
jf sfo{qmdsf] gfddf ;j{;fwf/0faf6
5fglag ;ldlt u7g ug'{kg]{ kl/l:ylt l;h{gf
s'g} k|sf/sf] lgIf]k jf /sd ;+sng ug]{
x' g ' e Gbf klxn] g} plNnlvt lgodgsf/L
u/fpg] sfd sf/jfxLsf] cg'udg u/L
lgsfoxn] cfgf] If]qflwsf/ leq kg]{ ljifodf
bf]ifLpk/ sfg"gL sf/jfxL ug]{ k|efjsf/L
oyf]lrt 5fglag u/L ;DalGwt JolQmx pk/
Joj:yf ldnfpg g]kfn /fi6 a}+s, aLdf
cfjZos sf/jfxL ug'{kg]{ lyof] . t/ o:tf] sfo{
;ldlt tyf lwtf] k q af] 8 { h:tf
plNnlvt lgsfoxaf6 eP u/]sf] b]lvPg .
lgodgsf/L lgsfoxdf k|efjsf/L
@^= lgj]bs sDkgLsf] lgodfjnLsf] lgod
cg'udgsf] Joj:yf ldnfpg oL lgsfodf
$(-!_ df aLdf Joj;fo ug]{ eGg] ljifo pNn]v
5'} cg'udg OsfO{ v8f ug{ cfjZos
u/]sf] / of] s'/f sDkgL /lhi6f/ sfof{nosf]
kg]{ eP ;f] ;d]tsf] Joj:yf ldnfpg'
clen]vaf6 g} b]lvPsf] cj:yfdf aLdf ;ldltsf]
egL oL lgsfoxnfO{ cfjZos lgb]{zg
k"j{ :jLs[lt glnO{ lgj]bs sDkgLnfO{ sDkgL
hf/L u/L ;f] cg';f/sf] cg'udgsf]
P]gsf] bkmf ^# cg';f/ sfo{ k|f/De ug{ :jLs[lt
Joj:yf ldnfP gldnfPsf] sfo{ s f]
lbPsf] b]lvPsf] / lgj]bs sDkgLsf] r'Qmf k"FhL
cg'udg ug"{ .
!) s/f]8 dfq ePsf]df ;f]sf] &* k|ltzt eGbf
3. pBd Joj;fosf] ultljlw a9\b} hfFbf
a9L /sd cyf{t ?=&,*$,%)*^!.%$ lgj]bs
sDkgL P]gcg';f/ btf{ x'g] sDkgLsf]
sDkgLsf ;~rfnsxn] sDkgLaf6 lemsL cfkm"n]
;+Vofdf a[l4 x'Fb}hfg] x'Fbf sDkgL P]g,
lghL ?kdf k|of]u u/L sDkgL P]g, @)^# sf]
@)^# df ul/Psf] k| f jwfgxsf]
plNnlvt Joj:yfsf] ljk/Lt sfd u/] pk/ s'g}
sfof{Gjog tyf k|zf;gsf] sfd a9L
sf/jfxL jf ;f]wvf]h gu/]sf]af6 pQm sfof{nosf]
r':t, b'?:t / k|efjsf/L agfpg /
;+:yfut ;+/rgf / sfo{Ifdtfdf klg k|Zg p7]sf
;j{ ; fwf/0fsf] lxtljk/Lt x' g ] u/L
b]lvof] . plNnlvt ;d:ofx tTsfn ;dfwfg
sDkgLxsf] ;~rfng ug]{ k|al[ Q /f]Sgsf]
ug{sf] nflu g]kfn ;/sf/ k|wfgdGqL tyf
nflu sDkgL P] g sf] k| z f;g /
671
674
Gof=e/t/fh pk|]tL
Olt ;+jt\ @)^* ;fn r}t @# ut] /f]h % z'ed\
Ohnf; clws[t M lszf]/ l3ld/]
&
lg0fo g+=**!^
;jf]{Rr cbfnt, ;+o'Qm Ohnf;
dfggLo GofofwLz >L k|sfz j:tL
dfggLo GofofwLz k|f=8f=>L e/taxfb'/ sfsL{
;+jt\ @)^& ;fnsf] l/6 g+= )^&wo!@%%
km};nf ldltM @)^(.@.!!.%
d'2f M pTk|]if0f ;d]t .
680
682
&
683
684
686
&
688
**!* jftfj/0f tyf dfgj ;+zfwg ljsf; ;dfh g]kfn lj=lhNnf k|zf;g sfof{no 8f]6L
cjnlDat ghL/M
;Da4 sfg"gM
;+:yf btf{ P]g, @)#$ sf] bkmf $, %
g]kfnsf] cGtl/d ;+ljwfg, @)^# sf] wf/f
!)&-@_
:yfgLo k|zf;g P]g, @)@* sf] bkmf *-^_
>d P]g, @)$* sf] bkmf @-v_
cfb]z
Gof=e/t/fh pk|]tLM g]kfnsf] cGtl/d
;+ljwfg, @)^# sf] wf/f #@, !)&-@_ adf]lhd
o; cbfntsf] c;fwf/0f clwsf/If]q cGtu{t
bfo/ x'g cfPsf] k|:t't l/6 lgj]bgsf] ;+lIfKt
tYo Pj+ o; cbfntsf] cfb]z o; k|sf/ 5 M
jftfj/0f tyf dfgj ;+zfwg ljsf;
;dfh g]kfn -;f];{g]kfn_ gfdsf] ;+:yf ldlt
@)%@.)&.!( df lhNnf k|zf;g sfof{no, 8f]6Ldf
btf{ g+= $*.)%@ df btf{ ePsf] ;+:yf xf] . of]
;+:yfn] Rural Access Programme (RAP) ;Fusf]
;Demf}tfdf u|fld0f kx'Fr sfo{qmd ;~rfng
ub}{ cfPsf] 5 .
;f] sfo{qmd ;~rfngsf] nflu dfr{
!, @))( b]lv nfu" x'g] u/L ljkIfL k|df]bljqmd
adnfO{ sfo{qmd ;+of]hs lgo'Qm ul/Psf] lyof] .
jftfj/0f tyf dfgj ;+zfwg ljsf; ;dfh
g]kfnsf] sfo{ ;ldltsf] ldlt @)^^.)#.!! ut]sf]
a}7sn] u|fld0f kx'Fr sfo{qmd sf] a}s vftf
sfo{qmd ;+of]hs jf n]vf clws[tdWo] Ps hgf
/ cWoIf Ps hgf u/L b'O{ hgfsf] ;+o'Qm
b:tvtaf6 ;~rfng x'g] lg0f{o ePsf] lyof] .
;f] lg0f{osf] ljk/Lt ;+:yfsf] /sd ljkIfL
k|df]bljqmd adn] a}saf6 lgsfnL cfkm"vz
' vr{
u/] s f] n ] /sd lxgfldgfsf ;fy} ;+ : yfsf]
lxtljk/Lt sfo{ u/]sf] lyof] . jftfj/0f tyf
dfgj ;+zfwg ljsf; ;dfh g]kfnsf] sfo{sf/L
;ldltsf] ldlt @)^^.)%.@$ sf] lg0f{on] lgh
k|df]bljqmd adnfO{ :ki6Ls/0f ;f]Wg] egL u/]sf]
lg0f{oadf]lhd @)^^.)%.@* ut] # ah] lbpF;f]leq
689
u=
690
**!* jftfj/0f tyf dfgj ;+zfwg ljsf; ;dfh g]kfn lj=lhNnf k|zf;g sfof{no 8f]6L
&
692
694
d'ns
' L P]g, c=j+= &! u g+= df /x]sf] kfOG5 . pQm
k|fjwfgsf] cltl/Qm jf/];gfdf ul/lbg] JolQm g}
k/nf]s ePsf] cj:yfdf klg sf/0fL g} k/nf]s
eO;s]kl5 p;sf] k|ltlglw:j?k jf/]; /xg ;Sg]
gx'bF f To:tf] cj:yfdf klg To:tf] k/nf]s eO;s]sf]
JolQmsf] jf/];gfdf hLljt 5 eGg ldNg] x'b}g .
clws[t jf/];gfdf ljz]if k|st[ Lsf] x'g] x'bF f clws[t
jf/]; lbg] JolQm hLljt /x]sf] / paf6 jf/];gfdf
ab/ gePdf To:tf] clws[t jf/];gfdf tf]lsPsf]
sfo{;Dkfbg geP;Dd To;sf] cl:tTj sfod}
/x]sf] dfGg' kg]{ ePtfklg hUuf;DaGwL ;Dk"0f{
sfo{ ug{ clVtof/ lbOPsf] To:tf] clws[t
jf/];gfdf lnO{ cToGt l9nf] u/L tf]lsPsf] sfo{
ug{ cfPsf] eGg] cfwf/df, lgj]bg ;fy k|:t't
/fhLgfdf lnvtnfO{ ;f] kfl/t ug]{ u/fpg]
lgsfoaf6 g} b/kL7 lg0f{o eO;s]sf] cj:yf x'bF f
;f] b/kL7 lg0f{o ab/ x'g g;s];Ddsf] cj:yfdf
;f] ljjflbt clws[t jf/];gfdfsf] x}l;ot z"Go
k|fo x'g hfg] x'Fbf ;f]af6 lgwf{l/t sfo{ x'g ;Sg]
cj:yf /xb}g .
#= cj bf];f| ] k|Zgtk{m ljrf/ ubf{, dfnkf]t
sfof{no t]xy| d' n] ljnDa u/L cfPsf] eGg] cfwf/df
b/kL7 u/]sf] b]lvG5 . clws[t jf/];gfdfaf6
lnvt kf; ug{ hfg sfg"gn] cjlw ls6fg gu/]sf]
cj:yfdf / To; ljifodf s'g} ljjfb ePsf]
cj:yfdf jfx]s To;nfO{ ljjflbt xf] ls egL
ljnDasf] l;4fGt ckgfpg] s'/f x'bF g} . @)^^.(.@)
df b/kL7 cfb]z ePsf] / ;f] b/kL7 cfb]z lj?4
lgj]bssf] l/6 lgj]bg ldlt @)^^.(.@! df
k'g/fj]bg cbfnt wgs'6fdf k/]sf] b]lvG5 .
ljnDasf] l;4fGt lgj]bsnfO{ cGofo k/]sf] s'/fsf]
lj/f]wdf slxn] ph"/ u5{ / cf}lrTok"0f{ ;dofjlw
leq k/]sf] 5, 5}g eGg] s'/f xf] . ldlt @)^^.(.@)
k'j{ lgj]bssf] k|lts"n s'g} sfd sf/jfxL g} gePsf]
cj:yfdf s]an clws[t jf/];gfdf k'/fgf] eof]
egL ljnDa eof] eGg ldNg] cj:yf x'Fb}g .
b/kL7af6 lgj]bsnfO{ dfsf{ kof] egL b/kL7
cfb]z lj?4 b/kL7 ePsf] ef]lnkN6 g} lgj]bsn]
&
696