Indradhanush naam ka arth hai "rainbow". Lekin, vittiyon ke sandarbh mein, yah sarkari bankon ko sudhaarne ke liye 2015 mein bhaaratiya sarkar dvaara shuroo kiye gaye saat karyakramo ka ek naam hai. Indradhanush naam ka pratyek rang, saath karyakramo ko darshata hai.
Bhaarat ke sarkari bank kai samsyaaon se doob rahe the, jaise bura karza, kam labhansh aur punji praavah ki kami. Indradhanush ka lakshya in samsyaaon ka samadhaan karana aur bankon ko adhik shushk aur labhadaayak banane ka tha.
Indradhanush kaise kaam karta hai? Chaliye karyakram ke saat tatvon par ek nazar daalte hain:
Nominees: Karyakram ka pehla kadam sarkari bankon ke lie naye CEO aur executive directors niyukt karne ka tha. Yeh naye talent ko laane aur in bankon ke netaon ki sudhar ko badhaane ke liye kiya gaya tha.
Bank Board Bureau: Bank Board Bureau (BBB) ne sarkari bankon mein board ke sadasyon aur varishth prabandhakon ki niyukti ke lie ek vyavasaayik sangathan ke roop mein kaam karna shuroo kiya tha. Is bureau mein bank, vitta aur prabandhan jaise vibhinn kshetron se prasiddh vyaktee aur adhikariyon ka samavesh tha.
Punjiikaran: Sarkar ne 2015 se shuruat kar ke chaar varshon mein sarkari bankon mein INR 70,000 crore ki punji bharne ka vaada kiya tha. Yeh punji Basel III punji pramanikta ki maang ko poori karne aur in bankon ke vikalp praapt karne mein madad karne ke lie kiya gaya tha.
Tanav maandee: Karyakram ke tahat sarkar ne bura karza pehchaanne aur samasyaaon ko hal karne ke lie kai kadam uthaaye. Buree aapoorti dhan kshetra ko nipatane ke lie kai upaay jaise ki ek NPA prabandhan samiti ka gathan, vipann dhan prabandhan ke lie ek framework, aur kaauporet denewaalon ke lie ek nirmaan pranaali ke roop mein laagu kiye gaye.
Shaktikaran: Karyakram ne bankon ko adhik shaktishali banane ka lakshya rakha tha, nishchit kadam lekar aur operation ko aasaan banakar. Yeh bankon ke lie ek holding company ke gathan jaise kadam jinse unhe svatantrata ke sath kaam karne aur bazaar ke haalaaton ke aadhaar par nirnay lene ki anumati mili.
Framework: Sarkari bankon ke operation mein jimmedaari aur prakaashanatv ko banaae rakhane ke lie ek framework banaya gaya tha. Ismein bankon ki performance kamonitoring aur transparency ko badhaya gaya tha.
Digital Banking: Karyakram ke antim tatv mein, sarkar ne digital banking ko badhava dene ka nirnay liya tha. Digital banking ka upyog karke, sarkari bankon ko punji praapt karne aur kharch karne ke tareeke mein sudhaar kiya ja sakta tha. Yeh kadam bankon ke bhaavishya ke liye bahut mahatvapoorn tha.
Indradhanush karyakram ne sarkari bankon ko sudhaarne ke liye ek prashikshit yojana tha. Ismein, sarkari bankon ko punji praapt karne, apni sevaon ko behtar banana aur unke operation ko aasaan aur prakaashanatvapoorn banane ke lie kaee kadam uthaaye gaye.
Iss karyakram ke maadhyam se, sarkari bankon ko naye CEO aur executive directors niyukt karne, bank board bureau ka gathan karne, punjiikaran karne, tanav maandee ko nipatne ke lie upaay uthaane, shaktikaran ke lie kadam uthaane, framework banane aur digital banking ko badhava dene jaise kai kadam uthaaye gaye.
Iss karyakram ke madhyam se, sarkari bankon mein sudhaar kiya gaya, aur aaj bhi iss karyakram ka prabhaav sarkari bankon ke performance par dikhaai deta hai. Iss prakriya mein bankon ne apne operation ko behtar banaaya, jisse ki ve adhik shushk aur labhadaayak ban sake
