hamipatra

banka, vima kampanya aanee guntavanuk sanstha yasarkhya kahee mothya vittiy sansthandvare hamipatra (youdblue) seva puravilya jaatat, jyadvare teey nuksan kinwa aarthik nuksan jhalyas deyakachi hummy detat aanee asha hamimule hamimule dayitvasathi aarthik jokhim swikartat. vima, sarvajanik prastavatil rokhe aanee banq karj yasah anek paristhitinmadhye hamipatrachi vyavastha kelee jaau shakate. jyaa vyaktine kinwa sansthene companychya kiman rokhyanchi vikri kamitakami rakmesathi karnyas sahmati darshavali aahe, tyala hamidar mhanatat.
itihas.
hamipatra' haah shabd lloyds auph london vima bajaravarun aala aahe. aarthik samarthak (kinwa jokhim ghenare), jeey dilelya upkramachi kahee jokhim (aitihasikdrushtya jahaj kosalanyachya jokhamisah sagari pravas) haptyachya badalyat swikartil, teey aksharshah tyanchi nave jokhamichya mahitikhali liheen jee lloydchya yaa uddeshasathi tayar kelelya slipver lihileli hotee.
rokhe hamipatra.
vittiy prathamik bajarpethet, rokhe hamipatra hii eka prakriya aahe jyadvare guntavanuk banka rokhe (jase qee sambhag kinwa rokhe) jaaree karoon mahamandal aanee sarkaranchya vatine kharedidarankadun guntavanuk bhandwal gola karatat. hamidar mhanoon, guntavanuk banq yaa rokhyanchya kimmatichi hummy dete, rokhe jaaree karnyas suvidha dete aanee nantar tee janatela vikate (kinwa tyanchya swatachya malkichya khatyasathi rakhoon thevate). hii prakriya prakriya prarambhik sarvajanik prastavanmadhye (aay. pii. oo. ess.) disun yete, jithe guntavanuk banka mahamandalala janatekadun nidhi gola karnyat madat karatat. rokhe bajarat punha vikanyapurvi purvanirdharit kimmativar sampoorn issue kharedi karane heey hamidaravar bandhankarak aahe. jarr tyanna kharedidar sapadat nastil, tarr tyanna kahee rokhe swatakade thevavi lagtil. jokhim qamee karnyasathi, teey itar guntavanuk bankansobat eka syndicate tayar karoo shakatat. pratyek banq rokhe jaaree karnyacha eka bhag kharedi karel aanee samanyatah tyaa bhagatoon rokhe janatela punha wickel. hamidar, teey jarikartyala dett asalelya kimmatitil aanee teey kharedidarankadun kinwa auferche kahee bhag kharedi kaam dalal-vikretyankadun jeey gola karatat, tyaa kimmatitil farkatoon (jyala 'hamipatra prasar' mhanatat) tyancha napha kamavatat.
hamipatrachya prakriyet pradan kelelya sevanmadhye khaleel goshtincha samavesh hotoh
jokhim, ananyata aanee bakshis.
ekada hamipatracha karar jhaala qee, hamidarala antarnihit rokhe vikanyat asamarth honyacha aanee bhavishyat asha veleparyant teey tyachya pustakanmadhye thevanyacha kharch jokhim patkarnyachi jokhim asate qee teey anukulpane vikale jaau shakatat.
jarr sadhan vanchhaniy asel tarr hamidar aanee rokhe jarikarta vishishtata karar karane nivadu shakatat. jarikartyala aagau dilelya uchch kimmatichya badalyat kinwa itar anukool atinchya badalyat, jarikarta rokhepatrachya prarambhik vikrisathi hamidarala vishesh pratinidhi banvinyas sahmat houu shakato. mhanjech, jaree truteey-paksh kharedidar kharedi karnyasathi thet jarikartyakade jaau shakatat, taree jarikarta keval hamidarachya madhyamatoon vikri karnyas sahmat hoto.
thodakyat, rokhe jarikartyala aagau rokh rakkam milate, too rokhedaranchya sampark aanee vikri vahinyanmadhye pravesh karato aanee too rokhe changlya kimmatila vikoo naan shakanyachya bajaratil jokhamipasoon surakshit rahato. hamidarala markapmadhun napha midato, tasech vishesh vikri kararachi shakyata milate.
tasech, jarr rokhyanchi kimmat bajarbhavapeksha lakshaniyaritya qamee asel asel nehmipramane), tarr hamidar dekhil shaktishali grahakanna tatkal napha midvoon (flipping pahaa), kadachit 'quid pro kwo' madhye, tyanchi pasanti karato. hii pratha, jee samanyatah bajaratil jokhim swikarlyabaddal hamidarala bakshis mhanoon nyayya aahe, kadhikadhi anaitik mhanoon teeka kelee jaate, jase qee guntavanuk banker phrank kwatronne dott-com bubble darmyan garam ipo stock baher kadhanyat ayogya vaganuk dilee assa aarop.
tyanchya rokhyanche moolya swatahsathi adhik midvanyachya prayatnat, jaaree kaam kampanya sarvajanik honyasathi thet soochi aanee jaaga yasarkhya paryayi vahanankade adhikadhik valat aahet.
bankeche hamipatra.
bankingmadhye, karjdarane dilelya patt mahitivar aadharit karj denyapurviche tapshilvar patt vishleshan mhanje hamipatra; asey hamipatra anek kshetranmadhye yeteh
hamipatra mhanje vyavsayik banq kinwa vyapari bankedware swatachya khatyasathi kinwa guntavanukdaranna punarvikri karnyasathi corporate rokhe, vyavsayik kagad, sarkari rokhe, nagarpalika samanya-dayitva rokhe kharedi karane. corporate rokhyanche banq hamipatra heey rokhe sanlagn kinwa kalam 20 sanlagn asey vegvegalya malki-company sanlagn sansthandvare kele jaate.
alikade, hamipatravaril charchela yaa kshetrat yantra shikshan yenyache varchasva labhale aahe. yaa sakhol tantrik navkalpananmule paramparik hamipatrak gunpatrake tayar karnyachya paddhatit badal hott aahet aanee manvi hamipatrakanna svayamchalitapane visthapit kele jaat aahet. naisargik bhasha samajoon ghetalyane purvichya tulanet jokhamiche moolyankan karnyasathi mahitichya adhik strotancha vichar karata yeto. heey algoridam samanyatah banking mahitisathi ess. emm. ess./email, pattyanchi padtalani karnyasathi sthan deta ityadi aadhunik deta strotancha vapar karatat. anek kampanya asha pratimananchi nirmiti karnyacha prayatna karat aahet jeey naisargik bhasha samajoon ghenyachya algoridamcha vapar karoon soshal media detacha vapar karoon grahakachya paise bharnyachya ichcheche mojmap karoo shakatat, jeey moolatah ekhadya vyaktichi lokpriyata/aavadatapana yanche vishleshan aanee praman tharvanyacha prayatna karatat aanee asha prakare, jyacha aadhar assa aahe qee yaa mapdandanvar uchch guna midavanare lock karj fedanyachi shakyata qamee karatat. tathapi, heey kshetra ajunahi mothya pramanat vyaktinishth aahe.
vima hamipatra.
vima hamidar sambhavya grahakanchya jokhamiche aanee samparkache moolyankan karatat. grahakala kitee sanrakshn midave, tyasathi tyanni kitee paise dyave aanee jokhim swikaravi qee nahee heey teey tharavatat. hamipatramadhye jokhim mojane aanee tyaa jokhamicha vima utaravanyasathi kitee hapte aakarle jaane aavashyak aahe heey tharvane samavisht aahe. hamidarache karya companychya vyavasay pustakache nuksan hoil asey tyanna tyanna jokhameenpasun sanrakshn karane aanee jokhim jokhim pradarshanashi susangat asalelya haptyavar vima policy jaaree karane heey aahe.
companyne jokhim swikaravi qee nahee heey tharvanyat madat karnyasathi pratyek vima kampanikade swatah chee hamipatra margdarshak tattve asatat. vimyasathi arjdarachya jokhamiche moolyankan karnyasathi vaparali jaanari mahitee, tyat samavisht asalelya sanrakshanachya prakaravar avalambun asel. udaharanarth, vahan vyapti hamipatrat, vyaktichi vahan chalavanyachi nond mahattvachi asate. tathapi, motargadicha prakar pratyakshat adhik gambhir aahe. jeevan kinwa aarogya vimyasathi hamipatra prakriyecha eka bhag mhanoon, vaidyakeey hamipatracha vapar arjdarachya aarogyachi sthitee tapasanyasathi keela jaau shakato (vyavasay aanee jokhamichya prayatnansarkhya itar ghatakancha dekhil vichar keela jaau shakato) aanee policy grahakachya vayala lagoo asalelya manak atinvar jaaree kelee jaau shakate qee nahee heey tharvanyasathi kele jaau shakate. jokhim vargikrut karnyasathi vima kampanya jeey ghatak vapartat teey samanyatah vastunishtha asatat, spashtapane sanrakshn pradan karnyachya sambhavya kharchashi sambandhit, vyavasthapit karnyasathi vyavharik, lagoo asalelya kayadyashi susangat aanee vima karyakramachya dirghakalin vyavharyateche sanrakshn karnyasathi tayar kelele asatat.
hamidar jokhim nakaru shakatat kinwa jyaa coationmadhye hapte bharali gelee aahet (kharch bharnyabarobarach napha kamavanyasathi aavashyak asalelya rakmesah) kinwa jyamadhye vividh apavad nishchit kele gele aahet, jeey dawa bharnyachya paristhitivar nirbandh aanatat. vima utpadanachya prakaranusar (vyavasayachi ola), vima kampanya yaa niyamanna encode karnyasathi svayanchalit hamipatra pranali vapartat aanee coation aanee policy jaaree karnyachya prakriyetil hatane kelelya kamache praman qamee karatat. heey visheshtah kahee sopya jeevan kinwa vaiyaktik marganchya (vahan, gharmalak) vimyachya babatit aahe. tathapi, kahee vima kampanya tyanchyasathi hamipatra lihinyasathi pratinidhinvar avalambun asatat. hii vyavastha vima companyla pratyaksh upasthiti sthapit naan karata tyachya grahakanchya jawalil bajarpethet kaam karnyas anumati dete.
vima hamipatratil vagalanyachya done pramukh shreni mhanje naitik dhoka aanee paraspar sambandhit nuksan. naitik dhokyaas, grahakachya krutinche parinam vima utaravale jaatat, jyamule grahak mahagadya krutee karanyachi shakyata jaast asate. udaharanarth, vaparlela gadya beparvaine aananyachya parinamachi kimmat chukavane talhanyasathi bedbugs samanyatah gharmalakanchya vimyatoon vagalale jaatat. vima utaravalelya ghatana samanyatah grahakachya niyantranabaherchya asatat, udaharanarth jeevan vimyat, vahan apghatamule honara mrutyu samanyatah samavisht keela jaato, parantu aatmahatyemule honara mrutyu samanyatah samavisht keela jaat nahee. paraspar sambandhit nuksan mhanje teey jeey ekach velee mothya sankhyene grahakanvar parinam karoo shakatat, asha prakare vima company diwalkhor honyachi shakyata asate. mhanunach tharavik gharmalakanchya dhorananmadhye aag kinwa kinwa zadanmule (samanyatah vaiyaktik gharavar parinam karnare) jhalelya nukasanicha samavesh asato, parantu puur kinwa bhookampancha (jeey ekach velee anek gharanvar parinam karatat) samavesh nasato.
serve prakarchya vima hamipatrasathi, sallah aanee sahayya anekada punarvimakarte detat, jyanna nishchitach yogya atinvar jokhim swikaranyat swarasya asate.
itar prakar.
satatche hamipatra.
satatche hamipatra hii ashee prakriya aahe jyamadhye lock kinwa malmattecha vima utaravanyat samavisht asalelya jokhaminche moolyankan aanee vishleshan satatyane kele jaat aahe. heey paramparik hamipatratun vikasit jhaale aahe, jyamadhye dhoranavar swakshari karnyapurvi kinwa nutanikaran karnyapurvich jokhaminche moolyankan kele jaate. kamgaranchya nukasanbharpaisathi, jithe vimadarane sadar kelelya pagarpatrakachya aadhare vimyache hapte masik adyayavat kele jaat hote, tithe satatche hamipatra pratham vaparale gele. yacha vapar jeevan vima aanee cyber vimyatahi keela jaato.
sthavar malmatteche hamipatra.
sthavar malmatta hamipatra mhanje ektar sambhag malkichya kinwa sthavar malmatta karjachya sthavar malmatta guntavanukiche moolyankan. hamipatra prakriyet samanyatah apekshit rokh pravah, sthanik bajarpeth, puravatha aanee magani aanee malmattechi bhautik sthitee, paryavaraniy kinwa bhoo-tantrik jokhim, kshetra, curr aanee vima yasarkhya jokhaminche tapshilvar vishleshan samavisht asate. sthavar malmatta karjachya mulyankanat, karjdar vishisht karjdarala karj denyachya jokhamiche tasech antarnihit sthavar malmattechya jokhamiche moolyankan karatat. karj hamidar, malmatta karj seva bharana karnyas saksham aahe qee nahee yache moolyankan karnyasathi karj seva vyapti gunottar, karj-teey-moolya gunottar aanee karj utpannache gunottar yasah vividh mapdand vapartat.
nyayvaidhyak hamipatra.
nyayvaidhyak hamipatra hii 'vastusthitinantarchi' prakriya aahe jee karjdaranni gahan thevanyas kaay chukiche jhaale heey tharvanyasathi vaparali aahe. nyayvaidhyak hamipatra mhanje karjdarachi tyanchya sadhyachya dharanadhikar dharkashi naveen karjasathi kinwa punarvittasathi patra naan honyasathi, badal paristhiti tayar karanyachi kshamata. heey samanyatah gruhkarj kshetrachya pratyek pailumadhye anubhavi asalelya lokanchya chamoosah kaam kaam hamidaradvare kele jaate.
prayojakatv hamipatra.
hamipatra haah ekhadya upkramachya aarthik prayojakatvacha dekhil sandarbh asoo shakato aanee sevechya karyasathi company kinwa sansthene dilelya nidhiche varnan karnyasathi sarvajanik prasaranamadhye (sarvajanik durdarshan aanee redio donhi) eka sandnya mhanoon dekhil vaparla jaato, tyaa badalyat stationchya karyakramantargat tyanchya utpadanacha kinwa sevecha ullekh keela jaato.
thomson financial leag table.
vilinikaran aanee adhigrahan, sambhag jaaree karane, karj jaaree karane, syndicated karj aanee yuu.ess. thomson financial leag tablemadhye nagarpalika rokhe bajar nondavale jaatat.

