ZPM Sorkarin Development Bank a din thei ang em?
August 18, 2026 a Chief Minister Pu Lalduhoma hoa Council of Ministers ṭhukhawm chuan “Mizoram Development Finance Corporation din” an rem ti. Sorkar thuchhuahin a sawifiah dan chuan ZPM Manifesto-a “Development Bank” siam tur tihhlawhtlinna a ni a. Sorkar Flagship Scheme Bana Kaih hnuaia loan latute leh entrepreneur ten awlsam zawka loan an lak theihna tur niin, sorkar thuneihna hnuaia kal lova Independent Body anga kalpui tur a ni. Interim Committee din phawt tur a ni a, chu Committee chuan Mizoram Development Finance Corporation a din theih nana thil ṭulte a rawn chhawp chhuak leh ang.
Bank leh Development Bank Danglamna?
Mi nawlpuiin a Bank kan tih mai hi Commercial Bank (sumdawng bank), mipui aṭanga pawisa dah (deposit) la khawm a, mipui vek a puktir leh ṭhin an ni a. Development Bank erawh chuan mipui aṭangin deposit an la ngai lo a, tum bik neia sorkarin a din a nih angin hmasawnna atan loan leh ṭanpuina sumte hmangin hna an thawk ṭhin. NABARD hi Development Bank entirna ṭha tak a ni awm e. Commercial Bank din tur chuan Banking Regulation Act, 1949 Section 22-ah banking company tan RBI licence hmang chauh a din theih a nih avangin Development Bank tih hming pu chuan a din theih loh a. Amaherawhchu, State Financial Corporations (SFC) Act, 1951 Section 3-ah State Government-in Official Gazette notification hmangin State tan Financial Corporation a din thei a, Financial Corporation chu Loan pe theitu tur Sorkar enkawl company tiin sawi ila kan hrethiam ber awm e.
India ram State dangah Development Bank din a ni em?
Tun dinhmunah India ramah SFC18 a awm mek nia report a ni. Mizoramah chuan Commercial Bank ten loan pek an harsatna, ram economy atana pawimawh si heng sector hrang hrang, eizawnna tenau leh thil siamchhuahna (MSME) te, khualzin hipna (Tourism & Hospitality) te, chaw lam sawngbawlna te, puan tah leh thiam hnang deh lam te (Handloom & Handicraft), sumdawnna bul ṭantir leh ṭhalai mahni themthiamna hmanga eizawnna bul ṭan te (Start-ups & Youth Enterprises) bakah infrastructure dinna atan pawh ṭangkai taka hman theih a nih a beiseiawm. Hei hi SFC dinchhan ber pawh a ni. A theih phei chuan bank te nen inel loin thawhho dan awm thei zawk se.
Development Bank/Corporation din chu engti ang chiaha fimkur ngai nge a nih?
A chunga kan tarlan tak ang hian sorkarin ṭul a tih chuan Mizoram Development Finance Corporation a din thei meuh mai a. Fiscal discipline ṭha tak nen lo chuan ram tan phurrit nasa tak a ni thei bawk. Economic times in a tarlan dan chuan Gujarat SFC chuan kum 2025-26 FY khan Rs. Vbch 127.29 lai a hlauh tih a tarlang. Hei vang hian “political recommendation” avanga loan pek te, loan pek rulh ṭhat loh vang a harsatna (Weak recovery) te, hmasawnna atana loan pek mah ni se loan chhia a chang nasa ṭhin (High NPA) te, sorkar inrawlh nasat avanga loan pek tura thutlukna dik siam chungchangah te, office leh thawktu enkawlna senso sang bakah loan latu mipui rilru sukthlek diklo ‘sorkar loan a nih chuan rul lo mah ila min ngaidam mai ang’ tih lakah te hian fimkhur a ngai hle ang.
Politics hmanga loan inpekna bank/corporation a nih theih avangin mahnia thuneihna nei (independent body), Politicians aia professional bankers, economists, entrepreneurs leh finance expert’s tam zawk awmna tur niin, mithiam ngei CEO/Managing Director ah ruat ni se. Loan pek turah Minister/MLA te sawipui aiin fimkhur taka pek tlak a nih leh nih loh enfiah (Bankability) bakah loan rulh lehna dan ngaih pawimawh (Recovery Mechanism) te pawh a ṭul hle ang.
Mizoramah Commercial bank ṭhahnem tak an awm mek a, SLBC Report March 2026 in a tarlan dan chuan Public Sector Bank-12, Private Bank-9 bakah MRB leh Apex bank te awmin bank branch 287 a awm mek a. Sorkar hian Corporation thar din kher loin kan rama Bank awmsa ten Development atana Loan tam zawk an pek chhuah theihnan chak takin hma la se a fuh zawk lo maw le? Sorkar laipui leh RBI pawn scheme tam tak a siam (MUDRA, PMEGP, SUI etc.) bakah a pung rulhsak (interest subsidy) leh dahkham leh guarantor ngai lo (CGTMSE Scheme) Loan lak theihna awmsa mekah te hi hmang ṭangkaiin chak zawka bawhzui ni se. Tin, RBI thupek angin Priority Sector Lending hnuaiah commercial bank ten loan an pek aṭanga bituk awmin lo neih, huan siam, ran vulh leh leh ngaih pawimawh bik sector ah te loan an pek ngei ngei theihna turin ruahmanna a awm sa bawk a. Tihsual palh hlauh chuan Public Sector Undertaking/Corporations hrang hrang te ang bawkin sumthuninuah a chang ang a, ministry inthlak rualin ṭhiah a ngai leh mai lo ang tih tu nge sawi thei. Sorkarin a ṭhatpui viau theih rualin a chhiatpui zawk thei tho bawk.
- Dr. Daniel Lalawmpuia, Asst Prof, Department of Economics, PUC