India indasitiri vatungamiriri nemitumbi inoenderera ichipa simba kuti vaone kuti mamiriro ekufamba anogona kuvandudzwa sei. Vanoda kubatsirwa asi zvakare vanopa mazano kuti iyo post-COVID mamiriro ezvehupfumi anovandudza.
Anenge mazuva makumi mashanu ekukiyiwa uye padyo nekumira kwakazara mukushanda kwakasundira mabhizinesi mazhinji munzvimbo yakaoma. Kuenderera mberi, chinzvimbo chemari chakakomba chingaguma nekutyorwa kwezvibvumirano zvekukweretesa, mukana wekuti ratidziro ideredze uye kukurumidze kuregererwa mune dzimwe nguva, zvichimanikidza makambani kuti awedzere mutengo wemari.
Pakati pekutya kwekuwedzera kwekudonha kwemabhizinesi muhuwandu kunogona kudzora systemic kukiya / kukundikana kweiyo banking system, FICCI neDeloitte vakagadzira mhinduro yekukunda-kukunda kune iyo logjam mamiriro ari kutadzisa bhizinesi kuenderera. Iyo inoratidza yakapusa nhanho mbiri nzira. Chekutanga kupatsanura zvinokonzeresa mamiriro ezvehupfumi-epashure pema COVID kumabhizinesi uye kufambisa kurasikirwa kubva paP & L kuenda ku Balance Sheet. Nhanho yechipiri inoda kuti chikamu chebhangi chipindire nekupa zororo rakatarisana muchimiro cheCrisis Liquidity Bridge kuburikidza nekuwedzera Working Working Term Loan (WCTL), Funded Interest Term Loan (FIT L), uye zvimwe zvivakwa zvakakodzera izvo mabhizinesi angangoda kukunda iyo post-COVID yezvehupfumi.
Dr Sangita Reddy, Mutungamiri, FICCI vakati: "Nzira chete yekuvimbisa kugadzikana kwemabhizimusi mushure mekuvhara uye kuchengetedza hupfumi ndekwekusagadzikana COVID kukanganisa uye kutsigira mabhizinesi ane mukana wekudzosera kumashure. Kuona kuti bhizimusi kuenderera mberi kwemabhizimusi makuru kwakakosha kudzosera hupfumi mugwara, zvakare sezvo makumi mashanu kubva muzana emaMSME anoenderana nemabhizinesi akadaro. ” Akaenderera mberi akatsanangura kuti izvi zvinogona kuitwa nemhinduro dzakabatana kubva kuhurumende, RBI nemabhangi nemari shoma kumubhadharo.
VaSumit Khanna, Partner, Deloitte India, vakati: “Kunyange mabhizimusi anogara kwenguva refu anofa nenzara yekushaya mari. Isu tinokurudzira kudzoserwa kwekurasikirwa kwakanangana neCOVID nemabhizinesi uye kufungidzira Crisis Liquidity Bridge rutsigiro rweindasitiri ye INR 3 - 4 lakh crores yekuzadza gaka rakagadzirwa, kuburikidza nehurongwa hwekubhanga. Tichifunga kudonha kwakasimba mumari inotsemuka kutyorwa kwezvibvumirano zvekukweretesa uye zvingangokanganisa zvinotyisidzira mabhanga ayo anowana nekuchengetedza mhedzisiro yeNPAs mukutarisa. Hurumende inovimbisa chikwereti ichi neRBI, uye mabhanga anoshanda pamwe chete kuona kuti mabhizimusi anochengetedza pamwe necheni yawo anochengetedzwa. ”
Chirevo ichi chinoratidza kuti chinhu chinodzikunura chikumbiro ndechekuti hurumende haisi kuita chero homwe inobuda kumberi. Hurumende inongodiwa kupa garandi pazvikwereti zvebhengi zvichibva pakuongorora nemabhangi ekukweretesa, inotungamirwa nemipimo yakatarwa neRBI. Kunyangwe paine zvinogona kunge zvichitadza kunyangwe zvichiramba zvichionekwa zvakanyanya, zvinotarisirwa kunge zvirimo mukati megumi muzana, zvichidikanwa kutsigirwa kweNR 10 - 30,000 crore kumabhangi kwenguva yemakore mashanu nehurumende.
Iko zano rine akawanda akanaka:
- Kukurumidza kudzoka kwehupfumi uye kuchengetedzwa kwemabasa
- Kukura nekukurumidza kweGST neMitero yemitero kuunganidzwa kwehurumende: Tichifungidzira kuti pamwedzi GST inounganidzwa yaderera ne50% kusvika INR 50,000 5 crore pm mumashure-e COVID mamiriro ezvehupfumi, uye nerutsigiro rwakarongwa rwemari kuburikidza nemabhangi, iyo GST inounganidza inomutsa , hurumende yaizokwanisa kuunganidza zvakawanda mukati memakore mashanu.
- Tichifunga kuti 1% inopararira pamusoro pekukwereta kwemabhangi uye zvimwe zvinodhura, mari yemabhangi yegore rino ichavandudza neINR 3 kusvika ku4 zviuru zvemamirioni uye ichipa mukana wekutora zvingangoita zvisirizvo nemabhizinesi.
Chirevo chinosimbisa kuti mabhenefiti akakurisa kupfuura kufungidzirwa kushomeka kwekuratidzwa. Chirongwa ichi chinodzikisira mukana wakakura wekuburitswa kwemabhangi kuNPA ye> INR 3 lakh crore (@ 10% default kubhengi kiredhiti kumaindasitiri), uye nerutsigiro rwehurumende inotevera kune capitalization yemabhangi kugadzirisa kukosheswa kwemari yavo nekuda kwekurasikirwa kwechido uye zvimwe kugadzirira. Izvi zvinogona kudzikiswa nekupa yakaderera mari rutsigiro rwemari yeINR 30,000 - 40,000 crore kumabhangi kwenguva yemakore mashanu. Mhedzisiro yekusatora chero yekumutsiridza chiyero kutsigira mabhizinesi ichave yakakwira zvakanyanya.
#rekuvakazve
ZVOKUBVA MUNYAYA INO:
- The second step requires the banking sector to step in and provide focused relief in the form of Crisis Liquidity Bridge through additional Working Capital Term Loan (WCTL), Funded Interest Term Loan (FIT L), and other relevant facilities that businesses may require to overcome the post-COVID economic impact.
- The proposal also mitigates significant potential exposure of banks towards NPA of >INR 3 lakh crore (@10% default on bank credit to industry), and subsequent government support towards capitalization of banks to address their capital erosion on account of loss of interest and additional provisioning.
- Amidst mounting apprehensions that collapse of businesses en masse can precipitate a systemic lockdown/failure of the banking system, FICCI and Deloitte have co-developed a win-win solution to the logjam situation that is impeding business continuity.
