ব্যালেন্স অব পেমেন্তস এবং ব্যালেন্স অব ত্রাদে বলতে কি বুজেন? এদের মধ্য পার্থক্য নির্দেশ করুণ । - Banking Diploma Education

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Wednesday, December 18, 2013

ব্যালেন্স অব পেমেন্তস এবং ব্যালেন্স অব ত্রাদে বলতে কি বুজেন? এদের মধ্য পার্থক্য নির্দেশ করুণ ।

e¨v‡jÝ Ae †c‡g›Um  Ges e¨v‡jÝ Ae †UªW ej‡Z wK †evS| G‡`i g‡a¨ cv_©K¨ wb‡`©k Ki|
e¨vjvÝ Ae †c‡g›UmÑ Avš—R©vwZK †jb‡`‡bi d‡j ewnwe©‡k¦i mKj †`‡ki mv‡_ †Kv‡bv we‡kl †`‡ki †`bv-cvIbvi wnmve‡K †jb‡`‡bi fvimvg¨ ev e¨vjvÝ Ae †c‡g›Um ejv nq| Ab¨ K_vq, GKwU wbw`©ó mg‡qi cwim‡i GK †`‡ki m‡½ ev` evwK me †`‡ki Avg`vwb-ißvwb Ges Ab¨ me A_©‰bwZK ‡jb‡`bi avivevwnK wjwce× wnmve‡K H †`‡ki †jb‡`‡bi fvimvg¨ ejv nq| A_©bxwZwe` wK‡Ûj evR©v‡ii g‡Z, ÒGKwU wbw`©ó mg‡q GKwU †`‡ki Awaevmx‡`i m‡½ Ab¨ me †`‡ki Awaevmx‡`i A_©‰bwZK †jb‡`‡bi avivevwnK wnmve‡K ‡mB †`‡ki †jb‡`‡bi fvimvg¨ ejv nq|Ó
GK K_vq ejv hvq, †Kv‡bv †`‡ki †jb‡`‡bi fvimvg¨ †m †`‡ki Avš—R©vwZK †jb‡`‡bi GKwU c~Y©v½ wPÎ|
e¨v‡jÝ Ae †c‡g›Um‡K cÖavbZ wZwb fv‡M fvM Kiv hvq| †hgb-
1.       AbyKzj †jb‡`b DØ„Ë; ((`„k¨gvb I A`„k¨gvb Avg`vbx e¨‡qi †P‡q ißvbx Avq †ekx)
2.      cÖwZKzj †jb‡`b DØ„Ë; Ges (`„k¨gvb I A`„k¨gvb Avg`vbxi †P‡q ißvbx Avq Kg)
3.      mylg †jb‡`b DØ„Ë | (`„k¨gvb I A`„k¨gvb Avg`vbx  e¨q I ißvbx Avq mgvb)
e¨v‡jÝ Ae †UªW t  Avš—R©vwZK  evwY‡R¨ GKwU †`‡ki wbw`©ó mg‡q (mvavibZ 1eQi) `„k¨gvb e¯‘MZ c‡Y¨i ißvbx Avq Ges Avg`vwb e¨v‡qi wnmve‡K e¨v‡jÝ Ae †UªW ejv nq| evwY‡R¨ wjß n‡j GKwU †`‡k we‡`‡k †h me `„k¨gvb cb¨ mvgMÖx ißvbx K‡i Zvi Avq‡K `„k¨gvb ißvbx Avq e‡j | Avevi †h me `„k¨gvb cY¨ mvgMÖx Avg`vwb K‡i Zvi e¨q‡K `„k¨gvb Avg`vwb e¨q e‡j| Giƒc ißvwb Avq Ges Avg`vwb e¨‡qi wnmve‡K e¨v‡jÝ Ae †UªW ejv nq|
e¨v‡jÝ Ae †UªW‡K cÖavbZ 3fv‡e fvM Kiv hvq| †hgb-
1.       AbyKzj evwYR¨ DØ„Ë; (`„k¨gvb Avg`vbx e¨‡qi †P‡q ißvbx Avq †ekx)
2.      cÖwZKzj evwYR¨ DØ„Ë; Ges (`„k¨gvb Avg`vbx e¨‡qi †P‡q ißvbx Avq Kg)
3.      mylg evwYwR¨K DØ„Ë | (`„k¨gvb Avg`vbx e¨q I ißvbx Avq mgvb)
e¨v‡jÝ Ae †UªW Ges e¨v‡jÝ Ae †c‡g›Um  Gi g‡a¨ cv_¨K¨ t
evwYR¨ fvimvg¨  Ges †jb‡`b fvimvg G `ywU aviYvi g‡a¨ wbgœwjLZ cv_¨K© cwijw¶Z nq t
1.       evwYR¨ fvimvg¨ ej‡Z †Kej `„k¨gvb Avg`vwb I ißvwbi cv_©K¨‡K eySvq| c¶vš—‡i, †jb‡`b fvimvg¨ ej‡Z `„k¨gvb I A`„k¨gvb Dfq cÖKvi Avg`vwb I ißvwbi cv_©K¨‡K eySvq|
2.      evwY‡R¨i fvimvg¨ GKUv †`‡ki Avš—R©vwZK †`bv cvIbvi GKUv Ak©we‡kl wb‡`©k K‡i| c¶vš—‡i, †jb‡`‡bi fvimv‡g¨ GKUv †`‡ki Avš—R©vwZK †`bv-cvIbvi mvgwMÖK Ae¯’v wb‡`©k K‡i| myZivs †jb‡`‡bi fvimvg¨ GKUv †`‡ki †`bv-cvIbvi mvgwMÖK wPÎ Ges evwY‡R¨i fvimvg¨ nj Zvi GKUv Ask gvÎ|
3.      evwY‡R¨i fvimv‡g¨ I †jb‡`‡bi fvimv‡g¨i g‡a¨ mg mgq mggyLx m¤úK© weivR K‡i bv| †hgb, evwY‡R¨i fvimvg¨ AbyK‚j n‡jI †jb‡`‡bi fvimvg¨ cÖwZKzj n‡Z cv‡i| Avevi evwY‡R¨i fvimvg¨ cÖwZKzj n‡jI H †jb‡`‡bi fvimvg¨ AbyKzj n‡Z cv‡i|
4.      ‰e‡`wkK †jb‡`‡bi †¶‡Î mwµq I wbw®Œq †`bv I cvIbvi Dcv`vb _v‡K| evwY‡R¨i fvimv‡g¨i †¶‡Î †Kej mwµq cvIbv I †`bvi welq Aš—f©y³ _v‡K| c¶vš—‡i †jb‡`‡bi fvimv‡g¨i †¶‡Î mwµq  I wbw®Œq Dfq cÖKvi †`bv -cvIbvi welq Aš—f©y³ _v‡K|
5.      evwY‡R¨i fvimv‡g¨i †¶Î wnmveMZ A‡_© mg mgq mgZv _v‡K bv| †jb‡`‡bi fvimv‡g¨i †¶ªZ cÖZ¨vwkZ ev Ex-ante A‡_© mgZv bv _vK‡jI wnmveMZ ev ex-post A‡_© me©`vB mgZv _v‡K A_©vr wnmveMZ w`K n‡Z evwY‡R¨i fvimv‡Z¨ mg mgq mgZv bv _vK‡jI †jb‡`‡bi fvimv‡g¨ me©`vB mgZv weivR K‡i |
myZivs evwY‡R¨i fvimv‡g¨ I †jb‡`‡bi fvimv‡g¨i g‡a¨ we‡kl cv_©K¨ i‡q‡Q| †jb‡`‡bi fvimvg¨ nj GKUv †`‡ki †`bv cvIbvi mvgwMÖK wPÎ Ges evwYwR¨K fvimvg¨ n‡jv GKUv Ask gvÎ| †Kej evwY‡R¨i fvimvg¨ Øiv †Kvb †`‡ki cÖK…Z Ae¯’v Rvbv hvq bv| Avš—R©vwZK †¶‡Î GKUv †`‡ki mwVK Ae¯’v Rvb‡Z n‡j †jb‡`‡bi fvimvg¨ m¤^‡Ü c~Y© Ávb _vK‡Z n‡e|  e¯‘Z †jb‡`‡bi fvimv‡g¨i gva¨‡gB GKUv †`‡ki Avš—R©vwZK ‡`bv cvIbvi c~Y© wPÎ cvIqv hvq|

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