ముద్రా రుణాల మొండి బకాయిలపై ఆర్బీఐ ఆందోళన - mudra loans rising day by day

ముద్రా రుణాల్లో పెరుగుతున్న మొండిబకాయిలపై ఆర్‌బీఐ ఆందోళన వ్యక్తం చేసింది. ఈ రుణాలను మరింత అప్రమత్తంగా పరిశీలించాలని ఆర్‌బీఐ డిప్యూటీ గవర్నర్‌ ఎం.కె.జైన్‌ బ్యాంకులకు సూచించారు.

ముద్ర రుణాల మొండి బకాయిలపై ఆందోళన-ఆర్బీఐ

Published : Nov 27, 2019, 6:51 AM IST

ముద్రా రుణాల్లో మొండి బకాయిలు పెరుగుతుండటంపై బ్యాంకులను ఆర్‌బీఐ డిప్యూటీ గవర్నరు ఎం.కె.జైన్‌ హెచ్చరించారు. ఈ రుణాలను ఎప్పటికప్పుడు సునిశితంగా పరిశీలిస్తుండాలని సూచించారు. ఈ రంగ రుణాల వృద్ధిలో సుస్థిరత్వం లోపిస్తే మొత్తం వ్యవస్థకే ఇబ్బందికర పరిణామం అవుతుందని అన్నారు.సూక్ష్మ రుణాలపై సిడ్బీ నిర్వహించిన కార్యక్రమంలో జైన్‌ ఈ విషయంపై మాట్టాడారు. చిన్న వ్యాపారులకు త్వరితగతిన రూ.10 లక్షల వరకు రుణాలు అందించే ఉద్దేశంతో 2015 ఏప్రిల్‌లో ముద్రా రుణ పథకాన్ని ప్రధాని నరేంద్ర మోదీ ప్రారంభించారు.

"ముద్రా రుణాలు పరిశీలించదగిన అంశం. ఈ పథకం ద్వారా చాలా మంది పేదరికం నుంచి బయటపడినప్పటికీ.. నిరర్థక ఆస్తులు పెరగడం కొంత ఆందోళనను కలిగిస్తోంది. . ఫలానా వ్యక్తి లేదా సంస్థకు రుణాన్ని తిరిగి చెల్లించే స్థోమత ఉందా లేదా అని రుణం ఇవ్వడానికి ముందే బ్యాంకులు అంచనా వేయాల్సిన అవసరం ఉంది."
- ఎం.కె.జైన్‌, ఆర్‌బీఐ డిప్యూటీ గవర్నరు.

జులైలో పార్లమెంటుకు ప్రభుత్వం తెలియజేసిన సమాచారం ప్రకారం.. రూ.3.21 లక్షల కోట్ల ముద్రా రుణాల్లో నిరర్థక ఆస్తులు 2017-18లో 2.52 శాతం ఉండగా, 2018-19లో 2.68 శాతానికి పెరిగాయి.

ఇదీ చూడండి : ప్రమాణ తేదీ మార్పు.. నవంబర్ 28న ఠాక్రే పట్టాభిషేకం

"ముద్రా రుణాలు పరిశీలించదగిన అంశం. ఈ పథకం ద్వారా చాలా మంది పేదరికం నుంచి బయటపడినప్పటికీ.. నిరర్థక ఆస్తులు పెరగడం కొంత ఆందోళనను కలిగిస్తోంది. . ఫలానా వ్యక్తి లేదా సంస్థకు రుణాన్ని తిరిగి చెల్లించే స్థోమత ఉందా లేదా అని రుణం ఇవ్వడానికి ముందే బ్యాంకులు అంచనా వేయాల్సిన అవసరం ఉంది."
- ఎం.కె.జైన్‌, ఆర్‌బీఐ డిప్యూటీ గవర్నరు.

ఇదీ చూడండి : ప్రమాణ తేదీ మార్పు.. నవంబర్ 28న ఠాక్రే పట్టాభిషేకం

RESTRICTION SUMMARY: AP Clients Only
SHOTLIST:
ASSOCIATED PRESS - AP CLIENTS ONLY
Washington, DC - 26 November 2019
1. Mid of Counselor to the US President, Kellyanne Conway, speaking to reporter
2. SOUNDBITE (English) Kellyanne Conway, Counselor to the US President:
"We'll just... we just continue. The DOJ (Department of Justice) has made clear that they will appeal yesterday's decision. It is not a final decision. It is not necessarily a surprising decision. I was with the president when he was briefed on the decision coming down, actually, and nobody was surprised. It is not unexpected, but it may be unsustainable and we'll see where it goes."
3. Mid of Conway speaking to reporter
4. SOUNDBITE (English) Kellyanne Conway, Counselor to the US President:
"This is a trade agreement that would help everyone. And we don't look at their political parties to look to see if they're in labor unions or not. I think the president's point about Pelosi and impeachment is an important one because Pelosi herself promised...she's not a woman of her word, she promised they would have a vote on USMCA by the end of October. We're way past the end of October. This superseding intervening factor, I guess, was impeachment."
5. Mid of Conway speaking to reporter
6. SOUNDBITE (English) Kellyanne Conway, Counselor to the US President:
"They really should be doing the business of the people, which includes the USMCA."
++SOUNDBITES SEPARATED BY BLACK++
7. SOUNDBITE (English) Kellyanne Conway, Counselor to the US President:
"Obviously, there was a disagreement, but let me repeat, as I just said previously, that the secretary Navy was fired by Secretary of Defense Esper because Secretary Mark Esper made very clear. You can't make side deals and back deals. We have a protocol."
++SOUNDBITES SEPARATED BY BLACK++
8. SOUNDBITE (English) Kellyanne Conway, Counselor to the US President:
"For Michael Bloomberg, him being in the race is just an indictment of how underwhelming the 18 Democratic candidates are who remain. And we'll see what money can buy. I think that when Michael Bloomberg says you, too, can be a millionaire, he's really talking these consultants, who must be thrilled."
++SOUNDBITES SEPARATED BY BLACK++
9. SOUNDBITE (English) Kellyanne Conway, Counselor to the US President:
"The president still has a position that when he sees the new data, 5.3 million kids have admitted, admit that they use nicotine products through e-cigarettes, he's very concerned about that. But e-cigarettes also have a public health benefit. They help adults come down from combustible cigarettes. The unintended health consequences that we have over 5 million kids who have started to use this. We've got to be able to find a balance like we do so often in public health matters. But people who are saying has to be either or aren't really listening to this president and aren't being realistic."
++SOUNDBITES SEPARATED BY BLACK++
10. SOUNDBITE (English) Kellyanne Conway, Counselor to the US President:
"But phase one is an important step on what will be a multi-phase process. And I think that's a really smart move, if I may, a very smart move, because something that complicated and something that many years in the making really can't be done in one big one big bite. So, it makes sense. But phase one doesn't touch the forced technology transfer, the intellectual property theft. And I think a lot of the other pieces of just the trade imbalances. So we're not there yet to have the full the full deal. But the president, the president insists that he will get a good trade deal with China, but it can't be, China, China already has a great trade deal for China with the U.S. The US wants a great trade deal for the US."
11. Mid of Conway walking out of briefing room
STORYLINE:
Top White House aide Kellyanne Conway told reporters that US President Donald Trump was not surprised by Monday's decision by a federal judge that former White House counsel Don McGahn must appear before Congress for questioning about possible obstruction of justice by the president.
"The DOJ has made clear that they will appeal yesterday's decision. It is not a final decision," Conway said.
"It is not unexpected, but it may be unsustainable and we'll see where it goes," she said.
Conway also criticized US House Speaker Nancy Pelosi for failing to put the administration's trade agreement with Canada and Mexico on the floor for a vote.
"She promised they would have a vote on USMCA by the end of October. We're way past the end of October," she said.
Conway insisted the president believed he would get a good trade deal with China.
China's Ministry of Commerce said early Tuesday that top Chinese and US trade negotiators have agreed to talks on a preliminary deal for resolving the tariff war between the world’s two largest economies.
In a brief notice, the ministry said that Vice Premier Liu He and other senior officials spoke by phone with US Trade Representative Robert Lighthizer and Treasury Secretary Steven Mnuchin.
Pressure is building to reach an agreement, with new US tariffs set to hit December 15 on many Chinese-made items on holiday shopping lists, such as smartphones and laptops.
"Phase one is an important step on what will be a multi phase process, and I think that's a really smart move," Conway said.
"Something that complicated and something that many years in the making really can't be done in one big one big bite. So, it makes sense," she said.
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