काँग्रेस पासून सर्व सरकार त्या मध्ये आत्ताचे भारतीय जनता पक्षाचे पण सरकार आले . फक्त आकडेवारी दाखवून देशाची अर्थ व्यवस्था कशी मजबुत आहेत हेच सांगत आले सर्व . लोकसंख्या जास्त असल्या मुळे अर्थ व्यवस्थेचा आकार मोठा आहे . जगात तिसरी ....किंवा जी असेल ती. ग्राउंड रिॲलिटी काय आहे. सर्वात जास्त गरीब गरीब भारतात. दोन वेळचे जेवण पण मिळत नाही अशा लोकांची प्रचंड संख्य. अजुन शेतीला पाणी पुरवठा आपण मोठ्या प्रमाणात करू शकत नाही. पिण्याचे स्वच्छ पाणी अजुन आपण सर्वांना पुरवू शकत नाही. अजुन घरा घरात वीज नाही. शिक्षणाची काय अवस्था आहे ते माहीतच आहे. बेरोजगारी चा दर अजून पण प्रचंड आहे. शेतीला वीज आपण पुरवू शकत नाही देशातील प्रगत राज्य महाराष्ट्र फक्त रात्री काही तास शेती साठी वीज पुरवठा होतो ,बाकी राज्यांची काय avstha असेल. प्रशासन किती वेगवान आहे है वेगळे सांगायला नको. न्याय व्यवस्था बापावर केस चालू असेल तर नातवच्या काळात न्यायालय निर्णय देते. फक्त काही लाख गाड्या विकल्या,बाजारात गर्दी झाली (लोकसंख्या एवढी आहे की लोक घरा बाहेर पडली तरी चालता येत नाही) की अर्थ व्यवस्था सुधारली असले निष्कर्ष काढणारी मंडळी बघितली की देशाचे भवितव्य अजुन किती बिकट आहे ह्याची जाणीव होते.

https://www.loksatta.com/agralekh-news/editorial-on-transfer-of-lakshmi… ह्याच विषयावरचा आजचा अग्रलेख. पहीलेच वाक्य जबरदस्त. ह्याच अग्रलेखात , दुसर्‍या एक गृहवित्त कंपनीच्या दिवाळखोरीचे उदाहरण दिले आहे , त्यात नागरीकांबद्दल एक टीपण्णी आहे तीही उल्लेखनीय.

मग अशा ह्या डॉक्टरेट असणार्या रघुरामानी रिझव्‍‌र्ह बँकेत काय बदल घडवले? Achievements of Mr. Rajan as RBI governor. Raghuram Rajan predicted 2008 crisis. 1. Unified Payments Interface :- A mega app that will sit on your smart phone once you have downloaded it and dramatically reduce the cost and time taken for making simple payments. What's more, you can use this app to pay for any transaction below Rs 1 lakh, even something as low as Rs 50. Today, if you want to pay someone, you need to add him or her as a beneficiary. You need the IFSC code and bank account number and branch etc. The UPI app does away with all this. All you need is the receiver's unique ID. Open the UPI app, select the amount to be paid, add the unique ID of the beneficiary and select 'send'. The app will ask for a mobile pin to authenticate the payment after which it is done. Raghuram Rajan has just turned your smartphone into a bank, here is how you can use it - The Economic Times 2. Battle against inflation:- Rajan is known for his primary focus on curbing inflation. His biggest achievement is that he successfully brought down retail inflation to 3.78% in July 2015 from 9.8% in September 2013 – the lowest since the 1990s. Wholesale inflation was down to a historic low of -4.05% in July 2015 from 6.1% in September 2013. 3. In his first speech as RBI governor, Rajan promised banking reforms and eased curbs on foreign banking, following which Sensex rose by 333 points or 1.83%. After his first day at office, the rupee rose 2.1% against the dollar 4. Central bank had adopted the new Consumer Price Index (CPI) (combined) as the key measure of inflation.Earlier, RBI had given more weight-age to Wholesale Price Index (WPI) than CPI as the key measure of inflation for all policy purposes."Conceptually, the CPI is a better indicator of demand side pressures than the WPI & and there is no denying that consumer prices better reflect demand side pressures than wholesale prices," Subbarao(22nd Governor of Reserve Bank of India) said at the RBI's 5th Statistical day.CPI a better indicator of inflation than WPI: RBI 5. Foreign-exchange reserves:- India’s forex reserve is now stronger by about 30% than it was two years back. During the recent depreciation, Rajan said the central bank has forex reserves to the tune of $380 billion, which is a comfortable level, and would intervene if there was a need. India's forex reserves reach all time high - The Economic Times 6. The Reserve Bank granted ‘in-principle’ approval to 11 entities, including Reliance Industries, Aditya Birla Nuvo, Vodafone and Airtel, to set up payments banks and proposed such licences ‘on tap’ in future.Under Rajan, two universal banks have been licensed and eleven payment banks have been given the nod. This is expected to extend banking services to the nearly two-thirds of the population who are still deprived of banking facilities. RBI grants in-principle nod for 11 payments banks . What payment bank can and can’t do:- -They can’t offer loans but can raise deposits of upto Rs. 1 lakh, and pay interest on these balances just like a savings bank account does. -They can enable transfers and remittances through a mobile phone. -They can offer services such as automatic payments of bills, and purchases in cashless, chequeless transactions through a phone. -They can issue debit cards and ATM cards usable on ATM networks of all banks. -They can transfer money directly to bank accounts at nearly no cost being a part of the gateway that connects banks. -They can provide forex cards to travellers, usable again as a debit or ATM card all over India. -They can offer forex services at charges lower than banks. -They can also offer card acceptance mechanisms to third parties such as the ‘Apple Pay.’ 7. RBI to tackle the problem of Non-performing asset:- A tool provided by India's central bank to help lenders tackle bad debts is instead helping to camouflage the scale of the problem, evidence of how the country's banks will struggle to meet an ambitious clean-up target in 16 months' time.India's banks are grappling with more than $110 billion of corporate stressed debt, a burden that is holding back fresh loans and hampering a speedier economic recovery.Rajan has campaigned to get banks to classify debt correctly, and to oust errant company owners. Commercial banks say his team has been active, checking provisions and exactly how loans are recorded and reported As Rajan tightens screws, banks can still disguise bad debts .Raghuram Rajan made it clear that banks “may require deep surgery” to clean up their balance sheets and put stressed projects back on track.Band-aid won’t do, banks need deep surgery, says RBI Governor Raghuram Rajan 8. Rajan The Fighter against Crony capitalism :- "The Indian banking system is mainly in public hands and was used to finance crony capitalism, which has held the country back for too many years. So far, Indian banks have lived in the illusion that all debtors would pay sooner or later, even when borrowers often borrowed from one bank to pay another. As Governor, Rajan has rightly decided to force the banks to cut down exposure to their most dubious borrowers, even at the cost of bringing out non-performing loans. From an economic point of view this is the best time. With the country growing at 8 per cent, these losses can be easily absorbed by the banking system. Raghuram Rajan being attacked for fighting crony capitalism: Colleague - The Economic Times "Rajan, however, is the dream of the new India: young, competent, and reached the top of the Indian central bank because of his skill, not because of his political alignment,"

आरबीआय अधिकाऱ्यांवर टीका फक्त कॉमन सेन्स वापरून करणे काय योग्य वाटत नाही. नक्की काय गोष्टी "नियमित तपासणीत" समजायला हव्या होत्या वैगेरे तपशीलवार द्यायला हवे. हि फारच वरवरची आणि अभ्यासाशिवाय केलेली टिप्पणी वाटते.