Credit-Deposit Ratio

Mizorama bank inbun zinga pasarihte credit to deposit ratio (CDR) chu 31% aia hniam vek a ni a. Bank pakhat CDR phei chu 5.30% chauh a ni nghe nghe. Tun hnaia State Level Bankers Committee (SLBC) thutkhawm a hmanpuinaah, chief minister chuan CDR 5.30% neitu bank hi, an insawifiahna a hnena thehlut rang turin a lo hriattir tawh nghe nghe a nih kha.
Kan hriat angin, mipuiin bank-a pawisa an deposit atanga mipui tana bank a luanchhuah (loan puktir etc.) dan tehna hi CDR chu a ni mai a. Credit to Deposit Ratio hi Reserve Bank of India chuan ‘chuti zat chu a ni tur a ni’ tiin a bituk lem lo na a, CDR sang lutuk emaw, hniam lutuk emaw hi bank tan pawh a hrisel lo ve ve a, CDR 60-85% hi bank tana a hrisel (financial health) tawk nia sawi a ni thin.
Entirnan: Mi 10-in bank-ah Rs 100 theuh deposit ta se, Bank chuan mi 5 hnenah loan Rs 150 theuh a puktir a, he bank CDR chu 75% (total loan/deposit x100) a lo ni ta a. Mi 10-in bank-a pawisa an deposit atanga bank kuta la awm chu Rs 250 tihna a ni. Depositor-ten pawisa fai lak chhuah an duh huna pek chhuah tur hi Bank chuan a lo reserve ve a ngai a. CDR hi sâng tak, entirnan 90% te a lo nih chuan, mamawh huna pawisa fai pekchhuah tur bank hian a tlachham ve phut thei tihna a ni a, chu chu bank tan a hrisel ta lo a, a lo inven ve a ngai tihna a ni ber awm e.
CDR a hniam lutuk pawh hian, bank tan a hrisel chuang lo a. Bank chuan depositor-te hnenah bank interest a pek chhuah ve reng a ngai a, thawktu hlawh/office expenditure/rental etc. atan Bank chuan loan te pechhuakin a peipun ve a ngai a, a sum dawn khawlte peipung lova a dah mai mai a nih chuan, bank hrisel lo tak a ni dawn tihna a ni a, anmahni bank tan hlei hlei CDR hniam chu a hlauhawm zawk tihna niawm tak a ni.
Tuna CDR 5.30% nei mek Bank hi insawifiah tura tih a nih thu puanzar a ni ta sa sa, mipui pawhin eng vanga CDR chu hniam viau nge a nih tih hi hriatzui ve an chak ngeiin a rinawm.
Hei bakah hian, SLBC report-a lang, CDR 31% aia hniam heng —YES Bank, Bandhan Bank, SSFB, AXIS, HDFC, ICICI leh CBI te pawh hi, an inbunna state mipuite tana 60% tal luang chhuak ve tawh ngei turin beisei ila. CD ratio nei tha pathum – Mizoram Rural Bank, State Bank of India leh Apex Bank te pawhin CDR sang tak an neih theih chuan, bank dangte tan pawh han buai bik viauna tur a awm lo tura ngaih a ni.
Mizoram chhul chhuak ni lo Bank tam zawk hi chu sawrkar hmasate pawh khan CDR hniam avangin an lo kamkhat hlek hlek hlawm tawh thin a. “Mizoram mipui pawisa hmanga sumdawng heng Bank-te hian, pawisa an hmansak mipuite hamthatna tur an pe let ve thei lo a nih chuan, Mizoram chhunga an awm reng hi a tulna kan hre lo” tih lam hawia lo tawng chhuakte pawh chief minister hlui zingah khan an awm thin a nih kha. Kha’ng Bank-te kha tuna CDR hniam ho tho hi ni hlawm tak maw?!