Difference between development banks and commercial banks

1. DEVELOPMENT BANKS
Commercial Banks and
Development Banks
tzpf tq;fpf;Fk; tsh;r;rp tq;fpf;Fk; cs;sNtWghL
(Tamil)-(Bamini Font)
Dr.M.Madhavan

2. tq;fpapd; ,yf;fzk;:
 1949–k; Mz;L tq;fp eilKiw rl;lj;jpd; gb tq;fp vd;gJ nghJkf;fsplkpUe;J itg;Gfis
fld; nfhLg;gjw;fhfTk; my;yJ KjyPL nra;tjw;fhfTk; Vw;Wf;nfhs;Sk; fhNrhiy
tiuNthiy Miz my;yJ NtW topapd; %yNkh vLf;ff; $bajhfTk; Nfl;lTlNdNa NtW
tifapNyh jpUg;gpj;ju $bajhf ,Uj;jy; MFk;.
 tq;fp vd;gJ flidAk; gzj;ijAk; ifahSk;epWtdk; MFk;.

3. tq;fpapd; tiffs;:
 tq;fp nray;gLfpd;w tpjj;ij nghWj;J7tifahFk;.
 tzpftq;fpfs;
 tl;lhu fpuhkg;Gw tq;fpfs;
 $l;LwT tq;fpfs;
 tsh;r;rptq;fpfs;
 njhopy; tsh;r;rp
 epy mlkhd tq;fpfs;
 ehlLg;Gw tq;fpfs;

4. tzpftq;fpfs;:
 rhjhuz Ngr;R tof;fpy; tq;fpfs; nra;af;$ba midj;J gzpfs; ghpth;j;jidia nra;af;$ba
tq;fpfs; tzpf tq;fpfs; vd;fpNwhk;. Mdhy; nghUshjhuj;jpy; tzpfh;fs; tzpf
epGdu;fs; Mfpatw;wpw;F Njitg;gLfpd;w eilKiw %yjdk; eLj;ju kw;Wk;
FWfpa fhy flid nfhLf;fpd;w tq;fpia tzpf tq;fpvd;fpw ,J xU $l;L gq;F epWtdk;
MFk;. ,jDila Nehf;fk; ,yhgk; rk;ghjpg;gJ MFk;.

5. tzpf tq;fpf;Fk; tsh;r;rp tq;fpf;Fk; cs;s NtWghL
tzpf tq;fp tsh;r;rptq;fp
FWfpa fhy flid nfhLf;Fk; tq;fp 1 ePz;l fhy flid nfhLf;Fk; tq;fp
,t;tq;fp nghJ kf;fsplkpUe;J Nrkpg;G fzf;F itg;G
eilKiw fzf;F itg;G njhlh; itg;G epiyahd itg;G
Mfpatw;wpd;%yk; itg;G ngWk;.
2. ,t;tq;fp tzpf tq;fpfs; kj;jpa khepy muRfsplkpUe;Jk;
itg;Gfis ngWk;.
,t;tq;fpthbf;ifahsh;fSf;F Neubahf fld; nfhLf;Fk;. 3. tzpf tq;fpfs; %yk;fld; kWepjp fld; jpl;lj;jpd; %yk;fld;
nfhLf;Fk;

6. tzpf tq;fp tsh;r;rptq;fp
4 tzpf tq;fpapy; nghJj;Jiwtq;fpfspd; murpd;gq;F
%yjdk;jdpahh; tzpf tq;fpfspd; nghJkf;fspd;gq;F
%yjdk;,Uf;Fk;.
4 %yjdkhfmq;fhbapd; gq;F kpf Kf;fpakhf ,Uf;Fk;.kj;jpa
khepymuRfspd; gq;F %yjdk;,Uf;Fk;.
5 tzpf tq;fpfspd; nghJkf;fspd; Nrkpg;Gk;gof;fj;ij
Cf;Ftpj;J mjd; %yk;tzpf eltbf;ifapy; <LgLk;.
5 tsh;r;rp tq;fp ehl;bd; nghUshjhuKd;Ndw;wj;jpy;
<LgLk;.

7. fpuhkeghu;Lk;fpuhkmbg;gilepjpAk;(or)
fpuhktsu;r;rpapy;eghu;bd;gq;F
 ,e;jpa fpuhk nghUshjhu tsu;r;rpf;F eghu;L tq;fp kpf Kf;fpakhd gq;fpid tfpf;fpwJ. gapw;rp
kw;Wk; cw;gj;jp epiyaq;fspd; Kyk; (Iraining come Production Center) fpuhk
kf;fSf;F gapw;rpAk; jpwd; Nkk;ghl;ilAk;; mspf;fpwJ.
 fpuhk njhopy;KidNthu; Nkk;ghL iftpidau;fSf;F gapw;rp Mfpatw;wpw;Fk; mspf;fpwJ. rpy
Fwpg;gpl;l njhopy;fSf;F gioa cw;gj;jp Kiwf;F gjpyhf Gjpa njhopy; El;gj;ij nfhLj;J fpuhk
njhoy; ikakhf;Ftjw;;f;F gapw;rpAk; mspf;fpwJ.

8. fpuhktsu;r;rpf;fhfeghu;Ltq;fpfPo;fz;ljpl;lq;fis eilKiwg;gLj;Jfpd;wJ
 ngz;fSf;fhdgapw;rpNahL $bacw;gj;jp epiyaq;fs;
 fpuhk gFjpfspy; thOk; ngz;fSf;F Ra njhopy; gw;wpa gapw;rpapid nfhLf;fpd;w nghOJ gapw;rpNahL kl;Lky;yhky; mg;nghUis
vg;gb cw;gj;jp nra;tJ vd;gjw;fhf gapw;rpNahL $ba cw;gj;jp epiyaq;fis jd;dhu;t njhz;L epWtdq;fs; %yKk; gy;fiy fofq;fs;
Mfpatw;wpd; cjtpNahL eghu;L tq;fp nra;fpwJ.
 (v-fh) jpz;Lf;fy;ypy; cs;s fhe;jp fpuhk gy;fiyfofj;jpy; fpuhk Kd;Ndw;w Jiwapd; rhu;ghf (Development of Rural
Development) fpuhkGw ngz;fSf;F ifj;jwp nea;jy; Nrhg;G nra;jy; rhk;G nra;jy; Nff; nuhl;b tiffs; jahhpj;jy; CUfha; kw;Wk;
Fspu;ghzq;fs; jahhpj;jy; kw;Wk; ghf;F kl;ilfs; %yk; jl;Lfs; nra;jy; Mfpatw;iw gapw;rpNahL $ba cw;gj;jp epiyaq;fs; %yk; gqpw;rp
mspf;fg;gLfpwJ
 ,g;gapw;rpapidngWfpd;w fpuhkg;Gw ngz;fs; kpFe;j Cf;fj;JlDk; ek;gpf;ifAlDk; Ra njhopy; nra;acjtpGhpfpwJ

9. ,e;jpa njhopy;epjp fofj;jpw;Fk;(IFCI)
khepyepjpf;fofj;jpw;;Fk;,ilNacs;s NtWghLfs; (SFI)
,e;jpa njhopy; epjp fofk; khepyepjpf;fofk;
[Piy 11948y;Muk;gpf;fg;gl;lJ. 1 1951y;Muk;gpf;fg;gl;lJ
,e;jpa njhopy; epjp fofk; ngUk; njhopy;fSf;F
Njitg;gLfpd;w ePz;lfhy flidtoq;Fk; epWtdk; MFk;.
2 me;je;j khepymuRfshy;cUthf;fg;gl;lJ.
,e;jpa njhopy; epjpf;fofk; tptrhak; rhu;e;j njhopy;fs;
mbg;gil njhopy;fs;; Nritj;njhopy;fs; mbg;gil fl;likg;G
njhopy;fs;.
3 rpW FW eLj;ju njhopy;fSf;F Njitg;gLfpd;w ePz;lfhy flid
nfhLf;fpd;w epWtdk; MFk;.

10. ,e;jpa njhopy; epjp fofk; khepyepjpf;fofk;
,e;jpa njhopy; epjp fofj;jpy; 20Nfhb MFk;. 4
rpW njhopy;fs; FWe;njhopy;fs; eLj;ju njhopy;fs; Fbirj;njhopy;fspd; tsh;r;rpf;F fld; cjtp
nra;fpwJ.
,e;jpa njhoy; epjpf;fofk; jdf;F Njitg;gLfpd;w %yjdj;ij gq;Ffs; %yk; fld; gj;jpuk;
%ykhfTk; ,e;jpa njhopy; tsh;r;rp tq;fp ,e;jpa hpru;t; tq;fp Mfpatw;wplkpUe;J
fldhf ngw;Wk; epjp cjtpmspf;Fk;.
5 khepyepjpf;fofj;jpy;50 yl;rk; Kjy; 500Nfhbtiu khepyj;jpw;Fkhepyk; NtWgLk;.
,e;jpa njhopy; epjp fofk; jdf;F Njitg;gLfpd;w %yjdj;ij gq;Ffs; %yk; fld; gj;jpuk;
%ykhfTk; ,e;jpa njhopy; tsh;r;rp tq;fp ,e;jpa hprh;;t; tq;fp Mfpatw;wplkpUe;J
fldhf ngw;Wk; epjp cjtpmspf;Fk;.
6
gq;Ffs; %ykhfTk; khepy muR tzpf tq;fpfs; Mfpatw;wplkpUe;J fld; ngw;Wk; epjpcjtp
mspf;Fk;.

11. rpW njhopy; tsu;r;rp fofk;
 ,e;jpahtpy; cs;s gy khepyq;fs; rpW njhopy;fspd; tsu;r;rpf;fhf jdpahf xU
epWtdj;ij cUthf;f Ntz;Lk; vd tpUk;gp rpW njhopy; tsu;r;rp fofk; (Small
Industries Development Corporation) vd;w ngahpy; xU fofj;ij
cUthf;Ftjw;fhd ,e;epWtdk; rpW njhopy; tsu;r;rpf;fhf midj;J tifahd eltbf;ifapy;
<Lgl;lJ.

12. Nehf;fq;fs;:-
 rpW njhopy; cs;smidj;J njhopy; JiwfisAk; xNuh rPuhd Ntfj;jpy; Nkk;gLj;JtJ.
 rpW njhopy; tsu;r;rpf;F Njitg;gLfpd;w mbg;gil trjpfshd rhiy rhf;fil trjp kpd;rhu trjp jz;zPu;
trjp Mfpa mbg;gil trjpfis Vw;gLj;jp nfhLg;gJ.
 midj;J rpW njhopy;fisAk; xNu ,lj;jpy; cUthf;fp Njitg;gLfpd;w cltrjp fl;bl trjp Mfpatw;iw
Vw;gLj;jp njhopy;Ngl;ilfis cUthf;Fjy;

13.  Gjpa njhopy; KidNthUf;F njhopy; njhlq;Ftjw;F Njitahd midj;J MNyhridfis
toq;fp gapw;wpfspd; %yk; njhopy;El;g cjtp mspj;jy;.
 rpW njhopy; cw;gj;jpapy; <LgLfpd;w njhopy;fSf;F njhopy; El;g gapw;rp
mspj;J mtu;fis juk;tha;e;j Copau;fshf cUthf;fpaJ.

14. Thank You
manimadhavan@gmail.com
manimadhavan@gmail.com
9865210146