Modi-a Big Bank Reforms 2019 thlirvelna

Finance Minister Nirmala Sitharaman chuan August ni 30, 2019 khan Public Sector Bank (PSB) 10 te chu Bank 4 ah chhunfin/ zawm khawm an nih tur a puang a, tihian India rama PSB chu 27 aṭangin 12 a lo ni tawh ang. Public Sector Bank kan tih chu sorkarin share zaa sawmnga (50%) aia tam a neihna bank te hi an ni. 

India rama commercial bank te hi a hlawm thumah a ṭhen phawk theih- Sorkar bank, Private bank leh Regional Rural bank (Mizoramah chuan Mizoram Rural bank) te an ni. Sorkar bank 10 te zawm khawm tur hian ngaihven a hlawh hle a, India rama banking sector-ah chuan tun hnai kum 50 chhunga ‘banking reforms’ lian ber a ni. 

Eng vang nge? 

Kumin Independence Day-ah khan Prime Minister chuan kum 2025 Financial Year-ah India economy chu US dollar 5 trillion economy nihtir an tum thu a sawi a, tunah hian 2.7 trillion vel niin an tarlang. Trillion khatah hian bial sawmpahnih a awm (10, 00,000,000,000). Hemi tihlawhtling ngei tura sorkar hmalakna a nih bakah, bank te loan pekchhuah theihna (credit capacity) tihpun te, khawvel huapa bank dangte el phak tur te, hnathawh awlsam zawkna tur leh hun lo kal leh tura bank te’n technology an hman ṭangkaina tura hmalakna a ni. 

Bank chak leh hmasawnna hi 5 trillion economy ni tura kan mamawh niin Finance Minister chuan a sawi. Amaherawhchu, sorkar hian heng bank hrang hrangte suihfin zawh hun tur bituk erawh a tarlang lo. Bank merger turte leh an dinhmun thlir thuak thuak ang. 

Punjab National Bank, Oriental Bank of Commerce leh United Bank te chhun finin bank pakhat Punjab National Bank (PNB) tih a ni ang. PNB hi India rama PSB lian ber State Bank of India dawttu a ni nghal dawn bawk a, branch 11, 437 zet nei tura ngaih a ni. Heng bank pathumte hi Core Banking Solution (CBS) platform pakhat, Finacle software hmang an nih avang chhunfin niin a lang. 

Canara bank leh Syndicate Bank te chhunfinin Canara Bank tih a ni ang. Canara bank hian branch 10,342 neiin PSB lian ber palina a ni dawn a, anni hi CBS platform pakhat iFlex software hmang niin hei hi an chhunfin chhan pakhat a ni. 

Union Bank of India 

Union Bank of India, Andhra Bank leh Corporation Bank te chu bank pakhat Union Bank of India-ah zawm khawm an ni ang a, India rama bank branch nei tam ber palina niin branch 9,609 an nei dawn a ni. An sumdawna hi mahni bank mal ṭheuha an sumdawnna let hnih aṭanga let li zeta lian tura beisei a ni. Heng bank pathumte hian Finacle software an hmang vek a, hei vang hian bank leh customer tan pawh harsatna nasa lutuk awm lo tura beisei a ni. 

Indian Bank leh Allahabad Bank te bank pakhat, Indian Bank-ah chhunfin an ni dawn. Anni hi India rama PSB lian ber pasarihna an ni dawn a, branch 6,104 neiin sumdawnna cheng vbch nuai 8.08 vel an nei dawn bawk. 

Tunhnaia sorkar bank-te’n harsatna an tawh lian tak chu bank te’n loan chhia (NPA) an ngah lutuk hi a ni. Hei hi Mizoram kan harsatna ber pawh a ni. FM sawi dan chuan kum 2018-19 quarter tawpah khan PSB 4 chiahin hlawkna an nei a, kum 2019-20 Quarter hmasa berah chuan PSB 14 ten hmasawnna neiin hlep an nei thei. Tichuan, heng PSB 10 an chhunfin te ah hian sorkar chuan bank-te tihhmasawnna tur (capital infusion) cheng vbch 55,250 a chhung lut dawn a ni. 

Ram hmasawna tur hian bank te hi a ṭangkai hle a, loneitute tana loan te, in sakna loan te, zirna loan te, sumdawnna loan te leh a dang tam tak hmangin mipuiin sum kan puk a, ramin nasa takin hmasawnna kan lo neih phah ṭhin a ni.

Hetia sorkarin Bank an chhunfin rup mai tur hian ṭhenkhat sawisel a hlawh nghal viau mai. Tunlai India economy ṭhanna tlahniam mek (5% GDP last quarter) nen, ruahman lawkna mumal awm lo a pawisa tihthih te, chhiah lak dan thar (GST) kalpui dan ṭha tawk lo te, thilsiamna lam (manufacturing sector) tlahniam mekte bakah, US-in ramdang laka insumdawn tawnnaa harsatna a nei leh European Union Brexit buaina avang ten khawvel economy hi a hnufual mek a. Hei hi India pawhin a tuar ve mek niin a lang. 

A chhan chu tunlaiah khawi ram mah hi mahni chauha awm thei kan ni tawh lo a. Bungrua leh thildang tam takin kan in sumdawn tawn mup mup a, chutih mek lai chuan ram tam tak te’n an mahni ram chhung thil siam chhuaktute hum him (protectionism) an tum vek mai bawk si hian trade war etc a siam ta a ni ber. 

Bank merger thu-ah hian All India Bank Employees’ Association chuan thuchhuah siam nghalin hun lo taka thutlukna dik lo siamna niin an ngai a. Bank merger hian hun leh tha tak tak senga lo din, bank 6 chu a tihlum nghal (murder of a bank) dawn a. Bank te chhunfin an nih hian bank chu lo lian zawk mah se, an harsatna a sukiang nghal ngawt lo a ni tih SBI leh bank ṭhenkhat an chhunfin hnua an loan chhia a san zawk vang khan a hriat. Tin, bank hi an len avang ngawtin an chak chuang lo a, loan an pek len theih avangin an tan risk a sang zawk mah a, kum 2008 khawvel sum tlakchhiat (Global Financial Crisis) pawh khan khawvel pum huap bank lian tam tak an tlakchhiat tawh kha. 

India ramah hian thingtlang khaw sang tam takten bank an la nei ve lo a, khawvel ram dangte nena khaikhina banking density a hniam em em laia bank suihfin hian branch tam tak khar a ngaih phah dawn a ni. Kan mamawh tak zawk chu bank branch te zau zawka an in zar pharh zel hi a ni. SBI merger (The State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Mysore, State Bank of Patiala, State Bank of Travancore leh Bharatiya Mahila Bank te chu 1 April 2017 aṭangin State Bank of India-ah chhunfin) a nih hnu khan branch 7000 chuang zet chu khar a ni. Chumiin a hrin chhuah tur chu hnathawh tur nei lo (unemployment) nasa zawk a ni. 

Chuvangin, sorkar bank-te chhunfin hi India economy-in hma kan sawnpui dawn nge a chhe zawngin kan tuar dawn tih chu mithiamte ngaihven ber a ni ta. Hunin a la hril ang chu.