Microsoft Word - ~WRD0001

8/11/2019 Microsoft Word - ~WRD0001

http://slidepdf.com/reader/full/microsoft-word-wrd0001 1/36







ljQLo ;+:yfsf] Joj:yfkg tyf n]vf ;DaGwLsfo{dfk|ToIf ?kn] ;+nUg JolQmn] To:tf] kbdf

axfn /xFbfsf avt jf To:tf] kbaf6 cjsfzk|fKtu/]sf] ldltn] Ps jif{;Dd ;DalGwt a} +sjf ljQLo ;+:yf jf To;sf] ;xfos sDkgLsf] lwtf]kq cfˆgf] jf cfˆgf] kl/jf/ jf cGo s'g} klg JolQm jf To:tf JolQmx?sf] lgoGq0fdf/x]sf] kmd{, sDkgL jf ;+:yfsf] gfddf jf cGo JolQmnfO{ vl/b–laqmL ug{

u/fpg, ug{ lbg,lwtf]aGws /fVg, /fVgnufpg jf bfg as; lng, lbg, x:tfGt/0fug{ jf n]gb]g ug{ x' Fb}g .

t/ af]g; z]o/, xsk|b z]o/ jf gofF z]o/hf/L x' Fbf jf /fi6« a} +ssf] lgb] {zgsfof{Gjog ubf{ jf bkmf &% adf]lhd a} +s jfljQLo ;+:yf Ps cfk;df ufEbf uflebf jfbkmf *) adf]lhd Pp6f a} +s jf ljQLo

;+:yfn] csf{ ] a} +s jf ljQLo ;+:yfsf] ;Dk" 0f{ ;DklQjf bfloTj cfkm" df ;dflxt x'g] u/Lk|flKt ubf{ jf a} +s jf ljQLo ;+:yfsf] ;~rfngdf s'g}afwf Jojwfg pTkGg ePdf/fi6« a} +ssf] :jLs[lt lnO{ ;+:yfks ;~rfnsjf ;~rfns–;+:yfks aLr Ps cfk;dflwtf]kq vl/b–ljqmL ug{ of] pkbkmfn] afwfk'¥ofPsf] dflgg] 5}g .

JolQmn] To:tf] kbdf axfn /xFbfsf avt jf To:tf] kbaf6cjsfz k|fKtu/]sf] ldltn] Ps jif{;Dd ;DalGwt a} +s jf

ljQLo ;+:yf jf To;sf] ;xfos sDkgLsf] lwtf]kq cfˆgf] jfcfˆgf] kl/jf/ jf cGo s'g} klg JolQm jf To:tf JolQmx?sf] lgoGq0fdf/x]sf] kmd{, sDkgL jf ;+:yfsf] gfddf jf cGoJolQmnfO{ vl/b–laqmL ug{ u/fpg, ug{ lbg,lwtf]aGws /fVg,/fVg nufpg jf bfg as; lng, lbg, x:tfGt/0f ug{ jfn]gb]g ug{ x' Fb}g .

t/ af]g; z]o/, xsk|b z]o/ jf gofF z]o/ hf/L x' Fbfjf /fi6« a} +ssf] lgb] {zg sfof{Gjog ubf{ jf s'g} ;+rfns jf;+rfns lgo'Qm ug{ ] clwsf/ kfPsf] ;+ul7t ;+:yfn] s'g} a} +s jf ljQLo ;+:yfdf cfk\ mgf] gfddf /x]sf] ;Dk" 0f{ z]o/ljqmL ubf{ jf jf o; P]gsf] kl/R5]b –( df ul/Psf] Joj:Yff cg';f/ adf]lhd a} +s jf ljQLo ;+:yf Ps cfk;dfufEbf ufleFbf jf Pp6f a} +s jf ljQLo ;+:yfn] csf{ ] a} +s jfljQLo ;+:yfsf] ;Dk" 0f{ ;DklQ jf bfloTj cfkm" df ;dflxt

x'g] u/L k|flKt ubf{ jf a} +s jf ljQLo ;+:yfsf] ;~rfngdfs'g} afwf Jojwfg pTkGg ePdf /fi6« a} +ssf] :jLs[lt lnO{ ;+:yfks ;~rfns jf ;~rfns–;+:yfks aLr Ps cfk;dflwtf]kq vl/b–ljqmL ug{ ±jf±jf±jf±jf ;d:ofu|:t ;d:ofu|:t ;d:ofu|:t ;d:ofu|:t a} s+ sf] ;'wf/fTdsa} s+ sf] ;'wf/fTdsa} s+ sf] ;'wf/fTdsa} s+ sf] ;'wf/fTdsjf km/s jf km/s jf km/s jf km/s– –– –kmf/ssf] k|s[ofdf x'g] z] o/sf] v/LbljqmL jfkmf/ssf] k|s[ofdf x'g] z] o/sf] v/LbljqmL jfkmf/ssf] k|s[ofdf x'g] z] o/sf] v/LbljqmL jfkmf/ssf] k|s[ofdf x'g] z] o/sf] v/LbljqmL jfx:TfGt/0f ug] { u/fpg] sfdsf/jfxLnfO{ x:TfGt/0f ug] { u/fpg] sfdsf/jfxLnfO{ x:TfGt/0f ug] { u/fpg] sfdsf/jfxLnfO{ x:TfGt/0f ug] { u/fpg] sfdsf/jfxLnfO{ of] pkbkmfn] afwfk'¥ofPsf] dflgg] 5}g .





bkmf !% sf] pkbkmfbkmf !% sf] pkbkmfbkmf !% sf] pkbkmfbkmf !% sf] pkbkmf ----@_@_@_@_-@_ pkbkmf -!_ df h'g;'s} s'/f n]lvPsf] ePtf

s'g} JolQm Ps a} +s jf ljQLo ;+:yfdfnuftf/ b'O{ sfo{sfn eGbf a9L ;~rfnssf] kbdflgo'Qm x'g ;Sg] 5}g .

bkmf !% sf] pkbkmfbkmf !% sf] pkbkmfbkmf !% sf] pkbkmfbkmf !% sf] pkbkmf ----@_ nfO{ vf/]h ug] { .@_ nfO{ vf/]h ug] { .@_ nfO{ vf/]h ug] { .@_ nfO{ vf/]h ug] { . o:tf] k|ltaGw /fVbf ;+:yfks z]o/ lng] ;+ul7t ;+:yfx?n] ;+rfns lgo'Qm ug{ gkfpg]

ePsf]n] .

!) bkmf !& sf] v08bkmf !& sf] v08bkmf !& sf] v08bkmf !& sf] v08 ----s_ sf] pkv08s_ sf] pkv08s_ sf] pkv08s_ sf] pkv08 ----#_#_#_#_

-#_ Joj:yfkg, a}lÍË, ljQLo, df}lb|s, cy{zf:q,jfl0fHozf:q, n]vfzf:q, tYofÍzf:q, ul0ft,Jofkf/ k|zf;g jf sfg" g laifodf :gfts pkfwLjf rf6{8{ Psfp06]G;L pkfwL xfl;n u/]sf] /g]kfn ;/sf/sf] ;]jfdf /xL s'g} ljQLo jf sfg" gLIf]q;Fu ;DalGwt lgsfo jf /fi6« a} +s jf

cGt/f{li6«o a} +s jf ljQLo ;+:yfsf] slDtdfclws[t :t/ k|yd >]0fL jf ;f] ;/xsf] kbdfsDtLdf tLg jif{ sfo{ u/]sf] .

bkmf !& sf] v08bkmf !& sf] v08bkmf !& sf] v08bkmf !& sf] v08 ----s_ sf] pkv08s_ sf] pkv08s_ sf] pkv08s_ sf] pkv08 ----#_ nfO{ lgDg cg';f/#_ nfO{ lgDg cg';f/#_ nfO{ lgDg cg';f/#_ nfO{ lgDg cg';f/kl/dfh{g ug] { .kl/dfh{g ug] { .kl/dfh{g ug] { .kl/dfh{g ug] { .

-#_ Joj:yfkg, a}lÍË, ljQLo, df}lb|s, cy{zf:q, jfl0fHozf:q,n]vfzf:q, tYofÍzf:q, ul0ft, Jofkf/ k|zf;g jf sfg" glaifodf :gfts pkfwL jf rf6{8{ Psfp06]G;L pkfwL xfl;nu/]sf] / g]kfn ;/sf/sf] ;]jfdf /xL s'g} ljQLo jf sfg" gLIf]q;Fu ;DalGwt lgsfo jf /fi6« a} +s jf cGt/f{li6«o a} +s jfljQLo ;+:yfsf] slDtdf clws[t :t/ k|yd >]0fL jf ±lghL±lghL±lghL±lghL

If If If If] qsf] æsÆ >] 0fLsf] a} s+ + df sfo{ ] qsf] æsÆ >] 0fLsf] a} s+ + df sfo{ ] qsf] æsÆ >] 0fLsf] a} s+ + df sfo{ ] qsf] æsÆ >] 0fLsf] a} s+ + df sfo{sf/L kbdf jfsf/L kbdf jfsf/L kbdf jfsf/L kbdf jf k|rlnt g] kfnk|rlnt g] kfnk|rlnt g] kfnk|rlnt g] kfnsfg"g4f/f ;+ ul7t ;+ :yfsf] ?kdf :yflkt sf] ifdf sfof{ sf/Lsfg"g4f/f ;+ ul7t ;+ :yfsf] ?kdf :yflkt sf] ifdf sfof{ sf/Lsfg"g4f/f ;+ ul7t ;+ :yfsf] ?kdf :yflkt sf] ifdf sfof{ sf/Lsfg"g4f/f ;+ ul7t ;+ :yfsf] ?kdf :yflkt sf] ifdf sfof{ sf/Lkbdf jfkbdf jfkbdf jfkbdf jf ;f] ;/xsf] kbdf sDtLdf tLg jif{ sfo{ u/]sf] .

æg]kfn ;/sf/sf] ;]jfdf /xLÆ eGg] afSofz+ pNn]v ubf{ lghfdtL jf cGo ;/sf/L ;]jfafx]s cGo If]qdf cg'ej xfl;Fn u/]sf] JolQmx? Joj;flos ;+rfns x'g cof]Uo /xg] eGg] cfzo b]lvgfn] o; af/]df :ki6 kfg{ sfnfuL

æljQLo ;+:yfÆ eGg] zAbn] æsÆ, ævÆ, æuÆ jfæ3Æ ju{sf] ljQLo ;+:yf ;d]t hgfpg] ePsfn]

tNnf] ju{sf a}s| jf ljQLo ;+:yfdf k|fKt u/]sf] cg'ej dflyNnf] ju{sf] a} +s jf ljQLo ;+:yfdfck'u x'g ;Sg] cj:yfnfO{ ;Daf]wg ug{ kl/dfh{g sf] k|:tfj ul/Psf] .

lghLIf]qsf] æsÆ ju{sf] a} +s jf ljQLo ;+:yfdfsfo{ u/]sf] cg'ej ;d]tnfO{ of]Uotf u0fgf ug{ k|of]u ug{ plrt x'g] .

































$& bkmf () sf] pkbkmfbkmf () sf] pkbkmfbkmf () sf] pkbkmfbkmf () sf] pkbkmf ----@_@_@_@_

-@_ b]xfosf] s'g} JolQmn] s'g} a} +s jf ljQLo ;+:yfo; kl/R5]b adf]lhd jfWofTds vf/]hLdf kg{ ;Sg] s'g} cj:yf ljBdfg ePsf] kfPdf vf/]hLsf] nflucbfnt ;dIf lgj]bg lbg ;Sg]5 .-s_ e'QmfgL of]Uo lgIf]k /sd e'QmfgL dfu ubf{ To:tf] e'QmfgL gkfpg] lgIf]kstf{,-v_ k|rlnt bfdf;fxL ;DaGwL sfg" g adf]lhdjfWofTds vf/]hLsf] nflu lgj]bg lbg ;Ifd

JolQm,

bkmf () sf] pkbkmfbkmf () sf] pkbkmfbkmf () sf] pkbkmfbkmf () sf] pkbkmf ----@_ nfO{ b]xfo cg';f/ kl/dfh{g ug] { @_ nfO{ b]xfo cg';f/ kl/dfh{g ug] { @_ nfO{ b]xfo cg';f/ kl/dfh{g ug] { @_ nfO{ b]xfo cg';f/ kl/dfh{g ug] {

----@_@_@_@_ b]xfosf] s'g} JolQmn] s'g} a} +s jf ljQLo ;+:yf o; kl/R5]badf]lhd jfWofTds vf/]hLdf kg{ ;Sg] s'g} cj:yf ljBdfgePsf] eGg] cfwf/ v'nfO{ afWofTds vf/]hLsf] nflu ±g] kfn /fi6« g] kfn /fi6« g] kfn /fi6« g] kfn /fi6« a} + s ;dIf a} + s ;dIf a} + s ;dIf a} + s ;dIf lgj]bg lbg ;Sg]5 .

-s_ e'QmfgL of]Uo lgIf]k /sd e'QmfgL dfu ubf{ To:tf] e'QmfgLgkfpg] lgIf]kstf{,-v_ k|rlnt bfdf;fxL ;DaGwL sfg" g adf]lhd jfWofTds

vf/]hLsf] nflu lgj]bg lbg ;Ifd JolQm,

afWofTds vf/]hLsf] k|s[of /fi6« a}s+n] dfqcl3 a9fpg ;Sg] Joj:yfsf ul/Psf]n] ;f]xLcg';f/ o; pkbkmfdf ;fd~h:otf ldnfpgsfnfuL .

$* bkmf () sf] pkbkmfbkmf () sf] pkbkmfbkmf () sf] pkbkmfbkmf () sf] pkbkmf ----#_#_#_#_

pkbkmf -@_ adf]lhd k/]sf] lgj]bgpk/cbfntn] /fi6« a} +ssf] /fo dfu ug{ ;Sg]5 .

bkmf () sf] pkbkmfbkmf () sf] pkbkmfbkmf () sf] pkbkmfbkmf () sf] pkbkmf ----#_ sf] ;6#_ sf] ;6#_ sf] ;6#_ sf] ;6\ \\ \6fdf b]xfo cg';f/sf] pkbkmf6fdf b]xfo cg';f/sf] pkbkmf6fdf b]xfo cg';f/sf] pkbkmf6fdf b]xfo cg';f/sf] pkbkmf ----#_ /fVg]M#_ /fVg]M#_ /fVg]M#_ /fVg]M

----#_#_#_#_ pkbkmf -@_ adf]lhd lgj]bg k|fKt eP kl5 lgIf]kstf{nsf] lxtsf] /Iffsf] nflu pko'Qm Joj:yf ldnfO{ ;DaGwLt a} +s tyf

ljQLo ;+:yfn] tTsfn} lgIf]kstf{ / cGo ;fx'x?nfO{ e'QmfgL ug{ kg] { ePsf] /sd jf bfloTj tTsfn e'QmfgL ug{ ;Sg] cj:yf 5jf 5}g / afWotds vf/]hLsf] dfu ug] { lgj]bsx?sf] dfucg';f/ ;DalGwt a} +s jf ljQLo ;+:yfnfO{ afWofTds vf/]hLdfn}hfgkg] { cj:yf 5 jf 5}g eGg] af/]df hfFra'em u/L ;'emfj;lxtsf] k|ltj]bg k]z ug{ ;DalGwt If]qsf lj1x? ;d]t /xg] u/L sDtLdf tLg ;b:oLo hfFra'em ;ldlt u7g ug' { kg] {5 .

a}s+ jf ljQLo ;+:yfsf] ljQLo l:yLlt(Solvency) sf] kl/If0f ug{ hfFra'em ;ldltsf] u7g ug{ cfjZos ePsf]n].













^# bkmf !@@ sf] pkbkmfbkmf !@@ sf] pkbkmfbkmf !@@ sf] pkbkmfbkmf !@@ sf] pkbkmf ----!_ sf] v08!_ sf] v08!_ sf] v08!_ sf] v08 ----7_7_7_7_

-7_ v08 -s_ b]lv -h_ ;Ddsf] s;" / ug{ pBf]u ug] { jf To:tf] s;" / ug{ s'g} klg lsl;dn]

d2t k'¥ofPdf .

±±±±-em_ v08em_ v08em_ v08em_ v08 - -- -s_ b] lvs_ b] lvs_ b] lvs_ b] lv - -- -h_ ;Ddsf] s;"/ ug{ pBf] u ug] { jfh_ ;Ddsf] s;"/ ug{ pBf] u ug] { jfh_ ;Ddsf] s;"/ ug{ pBf] u ug] { jfh_ ;Ddsf] s;"/ ug{ pBf] u ug] { jf

To:tf] s;"/ ug{ s'g} klg lsl;dn] d2t k'¥ofPdf . To:tf] s;"/ ug{ s'g} klg lsl;dn] d2t k'¥ofPdf . To:tf] s;"/ ug{ s'g} klg lsl;dn] d2t k'¥ofPdf . To:tf] s;"/ ug{ s'g} klg lsl;dn] d2t k'¥ofPdf .

cg'qmlds q'6L ;RofOPsf] .

^$ bkmf !@^ sf] v08bkmf !@^ sf] v08bkmf !@^ sf] v08bkmf !@^ sf] v08 ----s_ ,s_ ,s_ ,s_ , ----v_,v_,v_,v_, ----3_3_3_3_ ----ª_ª_ª_ª_

-s_ bkmf !@@ sf] pkbkmf -!_ sf] v08 -s_adf]lhdsf] s;" / u/]df ;f]sf] lauf] hkmtu/L lauf]sf] tLg u'0ff;Dd hl/afgf / kfFrjif{;Dd s}b,

-v_ bkmf !@@ sf] pkbkmf -!_ sf] v08 -v_adf]lhdsf] s;" / u/]df lauf] eP ;f] hkmtu/L lauf]sf] b'O{ u'0ff;Dd hl/afgf / b'O{ jif{;Dds}b,

-3_ bkmf !@@ sf] pkbkmf -!_ sf] v08 -h_ , -em_,

- -`_ jf -6_ adf]lhdsf] s;" / u/]dflauf] eP ;f] hkmt u/L lauf] a/fa/sf] hl/jfgf /5 dlxgf ;Dd s}b,

-ª_ v08-7_ adf]lhdsf] s;" / u/]df lauf] eP;f] hkmt u/L d'Vo JolQmnfO{ x'g] ;hfosf] cfwf .

bkmf !@^ sf] v08bkmf !@^ sf] v08bkmf !@^ sf] v08bkmf !@^ sf] v08 ----s_ ,s_ ,s_ ,s_ , ----v_,v_,v_,v_, ----3_ /3_ /3_ /3_ / ----ª_ df b]xfo cg';f/ª_ df b]xfo cg';f/ª_ df b]xfo cg';f/ª_ df b]xfo cg';f/kl/dfh{g ug] { kl/dfh{g ug] { kl/dfh{g ug] { kl/dfh{g ug] { -s_ bkmf !@@ sf] pkbkmf -!_ sf] v08 -s_ adf]lhdsf] s;" /u/]df ;f]sf] lauf] hkmt u/L lauf]sf] tLg u'0ff;Dd hl/afgf /±tLg ±tLg ±tLg ±tLg jif{ b] lvjif{ b] lvjif{ b] lvjif{ b] lv kfFr jif{;Dd s}b,

-v_ bkmf !@@ sf] pkbkmf -!_ sf] v08 -v_ adf]lhdsf] s;" /

u/]df lauf] eP ;f] hkmt u/L lauf]sf] b'O{ u'0ff;Dd hl/afgf /±5 dlxgf b] lv±5 dlxgf b] lv±5 dlxgf b] lv±5 dlxgf b] lv b'O{ jif{;Dd s}b,

-3_ bkmf !@@ sf] pkbkmf -!_ sf] v08 -h_ adf]lhdsf] s;" /u/]df lauf] eP ;f] hkmt u/L lauf] a/fa/sf] hl/jfgf / 5dlxgf ;Dd s}b,

-ª_ v08 ± ±± ±- -- -em_em_em_em_ adf]lhdsf] s;" / u/]df lauf] eP ;f] hkmtu/L d'Vo JolQmnfO{ x'g] ;hfosf] cfwf .

;hfoFsf] Go'gtd Pj+ clwstd xbsf] Joj:yfsfg" gdf g} gtf]lsObf Gofostf{df cToflws:jljj]lso clwsf/ k|fKt x'g] / o;af6 GofoLsljrng Pj+ ljs[tLsf] ;+efjgf a9\g hfg] .

k| |:t't ljwo]ssf] bkmf !@@ df v08 -`_ jf -6_ gePsf]n] ;f]sf] ;Gbe{ x6fOPsf] .

eflifs Pj+ cg'qmlds q'6L ;RofOPsf] .





ljbf, cfr/0f, cg'zf;g tyf ;]jfsf zt{ / To:tf] ;]jfsf] u7gsf] ;DaGwdf,

-v_ a} +s jf ljQLo ;+:yfsf] cfly{s k|zf;g;DaGwdf,

-u_ shf{ ckn]vg ug] { ;DaGwdf,

-3_ /fi6« a} +sn] ;do ;dodf tf]lslbPsf cGolaifosf ;DaGwdf .

-@_ pkbkmf -!_ df plNnlvt ljifox?df afx]sa} +s jf ljQLo ;+:yfn] b]xfosf laifodfcfjZostf adf]lhd sfo{ljlw agfO{ nfu" ug' { kg{ ]5 M

-s_ ;ldltsf] a}7s / ;fwf/0f ;efsf] sfo{ljlwsf;DaGwdf,

-v_ ;ldltn] ;~rfns, sfo{sf/L k|d'v, kbflwsf/Ljf sd{rf/LnfO{ clVtof/ k|Tofof]hg ug] { ;DaGwdf,

-u_ a} +s jf ljQLo ;+:yfsf tk{ maf6 ul/g] s/f/;DaGwL zt{x?sf] ;DaGwdf,

-3_ a} +s jf ljQLo ;+:yfsf] 5fk k|of]usf] sfo{ljlwsf ;DaGwdf,

-ª_ shf{ lb+bf /fVg] lwtf] ;'/If0f jf lnnfd ljqmLug' { kg] { u}/ a} +lsË ;Dkltsf] d" NofÍg ;DaGwdf,

pkbfg, lgj[Qe/0f,ljbf, cfr/0f, cg'zf;g tyf ;]jfsf zt{ /To:tf] ;]jfsf] u7gsf] ;DaGwdf,

-v_ a} +s jf ljQLo ;+:yfsf] cfly{s k|zf;g ;DaGwdf,

-u_ shf{ ckn]vg ug] { ;DaGwdf,

-3_ /fi6« a} +sn] ;do ;dodf tf]lslbPsf cGo laifosf;DaGwdf .

-ª_ ;ldltsf] a}7s / ;fwf/0f ;efsf] sfo{ljlwsf ;DaGwdf,

-r_ ;ldltn] ;~rfns, sfo{sf/L k|d'v, kbflwsf/L jfsd{rf/LnfO{ clVtof/ k|Tofof]hg ug] { ;DaGwdf,

-5_ a} +s jf ljQLo ;+:yfsf tk{ maf6 ul/g] s/f/ ;DaGwLzt{x?sf] ;DaGwdf,

-h_ a} +s jf ljQLo ;+:yfsf] 5fk k|of]usf] sfo{ljlwsf ;DaGwdf,

-em_ shf{ lb+bf /fVg] lwtf] ;'/If0f jf lnnfd ljqmL ug' { kg] { u}/a} +lsË ;Dkltsf] d" NofÍg ;DaGwdf,

-~f_ o; P]g adf]lhd a} +s jf ljQLo ;+:yfn] ug' { kg] { cGo sfd

sf/afxLsf] ljifosf] ;DaGwdf,

-6_ sfuhft w'Nofpg] ljifosf ;DaGwdf,

-7_ /fi6« a} +sn] ;do ;dodf tf]lslbPsf cGo aifosf;DaGwdf .-@_ pkbkmf -!_ adf]lhdsf] ljlgod jf sfo{ljlw o; P]g / /fi6«











-#_ afWofTds vf/]hLdf k/]sf] s'g} a} +s jf ljQLo ;+:yfn] a'emfpg afFsL s/ tyf /fhZj sf] /sd ;DaGwL ljjfbx?cfGtl/s /fhZj ljefu jf cGo Gofolws/0fx?df ljrf/flwg/x]sf] ePdf o:tf ;a} ljjfbx? afWofTds vf/]hLsf] k|s[of z'?ug] { cbfntdf k]z ug' {kg] {5 .

-$_ pkbkmf -#_ adf]lhd k]z ePsf ljjfbx?df afWofTdsvf/]hL k|s[of z'?ug] { cbfntn] lbPsf] lg0f{o clGtd x'g]5 .

&@ gofF Joj:yf ykgofF Joj:yf ykgofF Joj:yf ykgofF Joj:yf yk

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Date post:	02-Jun-2018
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