paraspar karj

"paraspar patt" (kadhikadhi "bahupakshiy vinimay" kinwa "patt samashodhan" mhanoon olakhale jaate) hii eka sandnya aahe jee bahutekda purak chalananchya kshetrat samanya, samanyatah lahan-stariy, antarjal mudra pranaliche varnan karnyasathi vaparali jaate. 
yaa shabdacha arth assa aahe qee karjdar aanee karjdar heey ekmekanna karj denare samaan lock aahet, parantu tyat anek barkave aahet. kahijan paraspar patt haah eka prakarche chalan manatat parantu heey samasyapradhan asoo shakate kaaran konatehi chalan kinwa paise yaa arthane 'jaaree' kele jaat naheet qee bahutek lokanna teey samjel. rokh rakkam phaar kvachitach 'jaaree' kelee jaate, hisheb samanyatah khatyavar kele jaate, mhanoon tyala 'khatavahi paise', eka paisa pranali, 'vinimay kinwa patt samashodhan pranalisathi lekha' asehi mhatale jaau shakate. bahupakshiy devanghevani antargat lekhache spashtikaran dile jaate.
arthshastra.
bahupakshiy devanghevanichi pratha hii keval eka soya asoo shakate, parantu ekada khatyache eka samaan ekak manya jhaale qee, sadasya kitee pramanat maryadit patt midvu shakatat, paraspar patt pranali patkan eka aarthik pranalisarkhi disate. tathapi, paraspar patt hii aarthik vicharanchya manyataprapt shalanpaiki eka nahee.
tarihi, keynes yanni suvarnamankaivaji aantarrashtriy samashodhan sangh navachi paraspar patt pranali prastavit kelee, parantu tee nakarli gelee.
tathapi, kalpana parasparvadamadhye aadhalu shakatat, jeey nyayya devanghevan aanee sahkaryala mahatva dete.
vaishishtye.
pureshi.
mukhya pravahatil arthvyavasthet, paisa hii eka durmil vastoo manali jaate, jee jyanchyakade aahe, jyanchyakade nahee, tyanna ekach velee anek vela bhadyane dilee jaate. yaa paddhatimule thet sathavanuk hote aanee tyamule paishachi kamatarata, vadhatya sampattichi daree, garibeecha sapala, teji/vidhvans chakr, aarthik 'vikas apariharya' aanee itar anek shashvat samajik white goshti disun yetat.
paraspar patnibandh heey malmattechya malakanna vinakaran kahitari milanyachya mahattvavar santulit devanghevanichya mahattvavar bharr dete. 
jevha pratyek patt samaan aanee viruddha karjane julate, mhanje jevha paise nasatat aanee vyaj nasate, tevha puravatha haah maganichya "pradhanyachya" barobaricha asato aanee aarthik samtol sadhanyachya serve samasya door hotat.
paishachya purvathyachi lavchikta.
tyachpramane, paishachya purvathyachya aakaracha atishay rajkiy prashna sodavala jaato kaaran karj purnapane lavchik asate; karjdaravar paratfed karnyasathi vishvas thewala jaato tyaa pramanat teey upalabdh asate. thevinvaril vyajashivay, patt sathavanyache konatehi kaaran nahee-jaree anek pranali vimyapramanech defaultsathi tartud karatat, taree serve patt hii vishvasarh bhagidaranmadhil alpakalin karj mhanoon manali jaate.
vikendrikaran.
paraspar patpurvatha yacha arth assa aahe qee konihi, paratfed karnyasathi tyanchyavar vishvas aahe tyaa maryadeparyant patpurvatha karoo shakato. yachya ulat vyavsayik patt pranali asoo shakate jyamadhye keval bankach patt 'jaaree' karoo shakatat. tyachpramane purvanirdharit honyacha dhoka vegalya prakare pasarato.
sathavan.
fiat munny pranalimadhye paise jaaree karnyache fayade sarvbhaumala midatat joou shunyatoon paise kharch karoo shakato. vyavsayik patt pranalimadhye shunyatoon paise udhar denyavaril vyaj bankevar padate. paraspar patt pranalimadhye, konatihi seagnorage yantrana nahee aanee vyajahi nahee.
chalanwadh.
paishacha puravatha lavchik asalyane, chalanvadhichi samasya (khoop lahan arthvyavasthet khoop jaast paise) paraspar patamadhye kadhihi udbhavu naye aanee jarr asey jhaale tarr teey prashasanache apayash darshavate. kahee pranali 'ghar' khatyavar amaryadit kharch karnyas anumati detat aanee yamule santulan nasht hote, parinami ektar chalanwadh hote kinwa mandee yete.
karj milane.
paraspar' chya arthanusar, paraspar patt arthvyavastha mhanje jeey lock paishala moolya detat teey tharavatat qee konate prayatna patt savalatichya hakkala patra aahet.
samamiti.
paramparik mudra pranalinmadhye karj dene aanee karj ghenyabaddal lakshaniy naitik chinta aahet. karjachya vadhisathi trikanshi kelelya shikshanchi tulana aanee vyajachi paratfed naan kelyabaddal greek sarkarla dilelya shikshevarun asey disun yete qee aadhunik kalat karjdaranvar karjdaranche rajkiy aanee naitik shreshthatva jawaljawal paripoorn aahe.
pratyek vyavharat eka vyakticha khatyatoon vyaktila patpurvatha karane samavisht asate, karjdar aanee karjdaranchi aavashyak naitik samanata asate. tyachpramane, bankingpramanech, karj heey khatedharkacha vishvas kitee aahe, tyaa maryadeparyant maryadit asate, paraspar karjamadhye, debit dekhil anekada khatadaravar shunyavar parat kharch karnyasathi vishvas thevanyachya maryadeparyant maryadit asate. mukhya pravahatil arthshastrat uchch banq shillak (vyajasah) puraskrut kelee jaate, parantu paraspar patt pranaliche prasiddha sadasya mhanje kamai aanee kharch donhi aahet.
paraspar patt pranaliche prashasana.
paraspar patt prashasana heey vishvasavar avalambun asate. vishvas naslyas, karj nasate aanee tyamule vyavhar hott naheet. parantu, shoonya rakmevar khaatee bund karnyababat qamee gambhir asalelya sadasyankadun khoop jaast vishvasacha gairavapar keela jaau shakato-agadi credit babalpramanech. lahan aanee samatavadi pranali sahasa pratyek khatyala samaan (sakaratmak aanee) nakaratmak maryada detat. kahee chhotya pranalinmadhye 'ghar' khaate asel jeey ektritpane niyantrit kele jaate aanee adhik maryada asoo shakatat. sadasyanmadhye qamee vishvas asalelya mothya pranalinmadhye, sadasyanchi adhik vividhata kinwa jyanchya sadasyanchi upajeevika parasparsanvadavar avalambun aahe, tyanchya patt moolyankan pranali qamee-adhik pramanat vistrut rachana asalelya asatat.
atirikt prashasanacha prashna gopaniyateshi sambandhit aahe. konate vyavhar konala disatat aanee khatyatil konati shillak konala disate?
paraspar' yacha arth.
purak chalan chalvalitil vyavsayik aanee siddhantkar hii sandnya susangat paddhatine vaparat naheet. 'karj' mhanje kahitari dene aahe, tarihi hii rachana vaparoon anek samudayik chalane karjachi amalbajavani karnyacha prayatna karat naheet. darmyan, 'paraspar' chya parinamachi kvachitach charcha hote. yacha arth assa houu shakato qee
jaree patt ektarfi (eka khatyatoon khatyatoon khatyat) vadhavali gelee asali, aanee kadachit tee paraspar naan karata aalee asali taree, paraspar patt mhanoonahi yaa badalache varnan kele gele aahe.
paraspar patt 'paisa' aahe qaa?
aapan jeey kharch kele aanee kamavale aahe, tyachya nondinpeksha paisa khoop jaast aahe. jaree paishachi vyakhya swatach atyant vadgrast asali taree samanyatah upayukt goshtinsathi tyachi devanghevan karane mahatvache asate. paraspar patt lekha pranalila, eka aarthik pranalisarkhi kahitari banavate tee mhanje serve khaatee shunyavar bund karane, mhanje pranalitoon naan dey asaleli kinwa naan dey asaleli khaatee bund karane, heey khatedharkanche kararbaddha bandhan aahe.
paishacha patt siddhant spashtapane sangato qee, paishala sonyasarkhya vastooncha aadhar asanyachi kinwa tyanchi pathbal asanyachi garaj nahee. paraspar patt pranali, mulyacha satha, devanghevaniche madhyam aanee khatyache ekak yaa teenahi paramparik karye vajvi paddhatine paar padu shakatat. aanee sylvio gessel yanchyasarkhya kahee vipareet arthatadnyancha assa yuktivad aahe qee paishacha vapar mulyancha satha mhanoon dekhil keela jaau naye, tarr devanghevaniche madhyam mhanoon, paraspar patt hii atulaneey aaheh
lakshat ghya qee paraspar patt vyavharanmadhye vastuchi halchal samavisht naslyamule, rokh kinwa bitcoinchya ulat, teey swabhavane shodhanyayogya aanee ulat karata yenyajogya donhi asatat.
udaharane aanee pranalinche prakar.
aaj teen mukhya samajik sanstha aahet jyaa paraspar patt vapartat, vyapar vinimay, sthanik vinimay vyapar pranali aanee timebanking sanghatana, pratyekachya anek shakha aanee bhinnata aahet aanee paraspar patt mhanje kaay yachee tyanchi swatachi samaj aahe.

