Survey of Financial System – Sinhala

uQ,H moaO;s iólaIKh

Nd;sh fyÜáwdrÉÑ

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Survey of Financial System – Sinhala

b;=reï tAll iy ysÕ tAll

 wdodhug jvd úhou wvqùu fyda wdodhï ,eîu iy úhoï lsÍu w;r ld,
mr;rhla mej;Su ;=< w;sßla; uqo,a m%udKhla we;s tall b;=reï tAll f,i
ye¢kaúh yel'

 b;=reï tAll j,g ;u w;sßla; uqo,a iqrCIs;j wdfhdackh fldg m%;s,dN

,nd.ekSfï wjYH;djhla mj;S'

 wdodhug jvd úhou jeäùu fyda wdodhï ,eîu iy úhoï lsÍu w;r ld,
mr;rh fya;= fldgf.k wruqo,a ysÕhla we;s tall ysÕ tall f,i ye¢kaúh
yel'

 ysÕ tall j,g mßfNdackh i|yd fyda wdfhdackh i|yd wruqo,a wjYH fõ'

 ysÕ tall j,g ;u wjYH;d bgqlr .ekSu i|yd hï úhoula orñka fyda
wruqo,a ,nd.ekSug wjYH;djhla mj;S’'

 ysÕ tall j,g wruqo,a ,enqKq úg Tjqyq tu wruqo,a wdfhdackh fldg kj

jHdmdr weröug fyda mj;sk jHdmdr ÈhqKq lsÍug lghq;= lrhs' tuÕska rfÜ
ksIamdokh jeä lsÍug lghq;= lrhs'

 tfiau we;eï ysÕ tall tu wruqo,a Ndú;d lrñka ;ukaf.a mßfNdac k

wjYH;d bgqlr.kakd w;r" tuÕska Tjqkaf.a Ôjk ;;a;ajh by< kxjd
.ekSug lghq;= lrhs'

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Survey of Financial System – Sinhala

wruqo,a iemhsh yels b;=reï tAllj, wjYH;d

 ;ud úiska imhk uqo,g by<u m%;s,dNhla n,dfmdfrd;a;= fõ ^by<

fmd<shla&'

 by< m%;,
s dNhla ,nd.kakd w;ru wjodku wju lr.ekSug o W;aidy orhs'

 fï i|yd wvq ld,hlg Kh§u" tljr tla mqoa.,fhl=g wvq uqo,la muKla
Khg §u" Kh ,nd§fï§ by< jákdlula we;s iq/l=ula ,nd.ekSu" ;ukag
blauKskau uqo,a lr.; yels iq/l=ï j, wdfhdackh lsÍug fm<öu hkdÈh
olakg ,efí'

 .kqfokq msßjeh wju lr.ekSug W;aidy orhs'

wruqo,a wjYH ysÕ tAllj, wjYH;d

 ,nd.kakd jQ uqo,a j, msßjeh wju lr.ekSu i|yd wvq fmd,shlg Kh

,nd.ekSug W;aidy lrhs ^wju fmd,sh&'

 Kh jdßlh wvq lr.ksñka jeä kuH;djhla" wvq wjodkula ,nd.ekSu i|yd

§¾> ld,Sk Kh n,dfmdfrd;a;= fõ'

 iq/l=ï rys;j fyda wju iq/l=ï ;;a;ajhla hgf;a Kh ,nd.ekSug W;aidy

orhs'

 Kh fokakka úYd, .Kkla l<ukdlrKh lsÍfï wmyiqj ;=<" úYd, Kh

uqo,la tla Kh fokafkl=f.ka ,nd.ekSug W;aidy orhs'

 .kqfokq msßjeh wju lr.ekSug W;aidy orhs'

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Survey of Financial System – Sinhala

uQ,H w;rueÈhdf.a wjYH;dj

 tlsfklg fkd.e,fmk wjYH;d we;s ysÕ tall iy b;=reï tall w;r

wruqo,a yqjudrej i|yd myiqlï ie,iSug fomd¾Yjfhau wjYH;d imqrd,sh
yels ffjl,ams; l%uhla uQ,H w;rueÈhka úiska ,ndfohs'

 b;=reï tall yd ysÕ tall tlsfkld uqK.eiSug we;s ÿIalr;djhka bj;a

fldg wruqo,a yqjudrej i|yd myiqlï ie,iSug w;rueÈfhl= wjYH fõ'

 b;=reï tall iy ysÕ tall tlsfkld flfrys we;s wúYajdih ksid Rcqj
wruqo,a yqjudre lr.ekSug ue<s jk úg wruqo,a yqjudrej i|yd myiqlï
iemhSug úYajdijka; w;rueÈhl= wjYH fõ'

 b;=reï tall iy ysÕ tall fomd¾Yjhgu wjYH úfYaI{ ±kqu ,ndfoñka

wruqo,a jvd M,odhS f,i iy wju wjodkula hgf;a Ndú;hg $ wdfhdackhg
myiqlï ie,iSu i|yd uQ,H w;rueÈhl= wjYH fõ'

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Survey of Financial System – Sinhala

uQ,H w;rueÈlrKh

 w;sßla; tallj, we;s wruqo,a ysÕ tall fj; .,dhdu i|yd w;sßla; tall
iy ysÕ tall w;r isáñka myiqlï ie,iSu uQ,H w;rueÈlrKh f,i
±laúh yel'

 fuys§ úúO l%u Wmfhda.S lr.ksñka w;sßla; tallj,ska uqo,a /iafldg tajd
úúO l%ufõohka Wmfhda.S lr.ksñka ysÕ tall fj; ,nd§ug uQ,H
w;rueÈhd lghq;= lrhs‘'

 wruqo,a /ialsÍu i|yd jehjk úhou ^f.jk fmd,sh& iy wruqo,a wjYH

whg ,nd§u uÕska ,nk wdodhu ^,efnk fmd,sh& uQ,H w;rueÈhdf.a ,dNh
fõ'

 uQ,H w;rueÈlrKh uÕska b;=reï wruqo,a jvd;a M,odhS yd ld¾hCIu f,i

fhdod.ekSu i|yd wjia:dj ie,fia'

uQ,H w;rueÈhl= úiska my; ld¾hhka isÿ lrhs'

 b;=reï talrdYS lsÍu ^aggregation of savings&

 wjodku tla;eka lsÍu ^pooling of risk&

 mßK; ld, mßj¾;kh ^maturity transformation&

 .kqfokq msßjeh wju lsÍu'

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Survey of Financial System – Sinhala

b;=reï talrdYS lsÍu

 uQ,H w;rueÈhka úiska b;=reï tall wruqo,a ,nd§ug leu;s ´kEu m%udKhla
,nd.ksñka wruÿ,a /ialsÍug lghq;= lrhs' fï wkqj b;=reï tallhg ;ukag
yels wruqo,a m%udKhla uQ,H w;rueÈhdg ,ndÈh yel'

 úúO m%udKhkaf.ka" úYd, b;=reï tall m%udKhlska uqo,a /ialrk uQ,H

w;rueÈhdg úYd, wruqo,la ks¾udKh fõ'

 fuu úYd, wruqo, Ndú;d lsÍfuka tljr úYd, Kh§fï yelshdj uQ,H
w;rueÈhdg we;s fõ'

 fuuÕska jrlg l=vd m%udKhla muKla Kh§fï b;=reï tallj,

wjYH;djh;a" tljr úYd, Khla tl ;eklska ,nd.ekSfï ysÕ tallj,
wjYH;djhla imqrd,Su isÿ lrhs'

mßK; ld, mßj¾;kh

 flá ld,hlg wruqo,a iemhSug w;sßla; tall j,g we;s wjYH;djh;a"

§¾>ld,Sk Kh ,nd.ekSfï ysÕ tallj,g we;s wjYH;djh;a imqrd,Su i|yd
fláld,Sk mßK;shla we;s wruqo,a /iafldg §¾>ld,Sk mßK;shla we;s Kh
,nd§u isÿ lrhs'

 uQ,H w;rueÈhka fuh isÿ lrkafka wêl ixLHd kHdh Ndú;d lrñkah'

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Survey of Financial System – Sinhala

 wruqo,a ,ndÿka mqoa.,hka úYd, m%udKhla isák úg ta ish¨ fokd tlajr ;u

wruqo,a b,a,d isàfï iïNdú;djh b;d wvq nj fuys§ Wml,amkh lrhs'

 tfiau hï wruqo,a m%udKhla bj;a jqjo kj ;ekam;= È.ska È.g ,eîu" ,ndÿka
Kh j, jdßl kej; ,eîu" ;sfnk ;ekam;= w¨;a lrñka È.gu mj;ajdf.k
hdu ;=< iuia; n,mEu ;=,kh jk nj;a fuys§ Wml,amkh lrhs'

 ta wkqj mj;sk wruqof,ka hï m%udKhla ixÑ; f,i ;ndf.k b;=re fldgi

È.=ld,Sk Kh§u i|yd Ndú;d lsÍug w;rueÈhd lghq;= lrhs'

 fufia ;nd.; hq;= wruqo,a m%udKh miq.sh o;a; úYaf,aIKh lsÍfuka iy

mj;sk wd¾Ól ;;a;aj úYaf,aIKh lsÍfukq;"a ;u w;a±lSï fhdod .ekSfukq; a
w;rueÈhd úiska ;SrKh lrkq ,nhs'

wjodku tla;eka lsÍu

 uQ,H w;rueÈfhl=f.ka f;drj Rcqj Kh ÿka úg Kh meyer yeÍfï

iïmQ¾K wjodku Kh fokakd úiska ±ßh hq;f
= õ'

 Kh .ekqïlreg fok Kh uq,H w;rueÈfhl= yryd ,ndÿkafka kï tu Kh

ms<sn| wjodku uQ,H w;rueÈhdf.a ;ekam;alrejka ish¨fokd u; me;sÍ hkq
we;'

 ta wkqj tla ;ekam;a lrefjl= iïmQ¾K mdvqj ±Ífï wjOdku bj;a jk w;r"
tla ;ekam;a lrefjl=g ±Íug isÿjk mdvqj b;d iq¿ m%udKhla fõ'

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Survey of Financial System – Sinhala

wjodku iy uQ,H w;rueÈhdf.a N+ñldj

 uQ,H w;rueÈhka yg úúO j;alï j¾. yryd Kh§u úúOdx.SlrKh lsÍug

yelshdj we;' iSñ; wruqo,a m%udKhla we;s ;ks mqoa.,hl=g fuh isÿ lsÍfï
yelshdj b;d wvqh'

 úúOdx.SlrKh l< úg tl j;alï j¾.hlska we;sjk mdvqj ;j;a j;alï

j¾.hl ,dNfhka mshjd .ekSug yelshdj ,efí' ta uÕska mdvqj wju
lr.ekSug yelshdj ,efí'

 Kh §fï§ úfYaI{ ±kqu iy jD;a;h

S w;a±lSï fhdod.ekSu uÕska idudkH
mqo.
a ,fhl= Kh fokjg jvd wvq wjodkula iys;j Kh§ug uQ,H
w;rueÈhka yg yelshdj ,efí'

 Kh meyer yeÍu ;=< widudkH mdvqjla ,eîug isÿ jqjfyd;a

;ekam;alrejkag isÿjk ydksh wju lsÍug uQ,H w;rueÈhdf.a ixÑ; fyda
fldgia m%d.aOkh fhdod.; yel'

 uQ,H w;rueÈfhl= iuÕ lghq;= lsÍfï§ ,efnk wdrCIK jevms<sfj<j,a

uÕska ydksh wju lr.ekSug yelshdj ,efí ^;ekam;= rCIK l%uh&'

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Survey of Financial System – Sinhala

.kqfokq msßjeh wju lsÍu

 b;=reï tall iy ysÕ tall hk fomd¾Yjfhau fmdÿ wjYH;djhla jkafka

.kqfokq msßjeh wvq lr.ekSuhs'

 úYd, uQ,H wdh;k mßudkql+, msßueiqï fhdod.ksñka fuu wruqK bgqlr

.ekSu i|yd fomd¾Yjhgu Wmldr lrhs'

 mßmd,k msßueiqï" úfYaI{ ±kqu ,nd.ekSfï§ we;s jqK msßueiqï" uQ,H

f;dr;=re ,nd.ekSfï§ we;s jk msßueiqï hkdÈh uÕska fomd¾Yjhgu
.kqfokq msßjeh wvq lsÍug uQ,H w;rueÈfhl= lghq;= lrhs'

wjidk Kh fokakd iy wjidk Kh .kakd

 w;rueÈhd Kh f,i ,ndfokafka fjk;a mqoa.,fhl=f.ka Khg .kakd

wruqo,a fõ' ta wkqj wjidk Kh fokakd jkafka uQ,H w;rueÈhdg wruqo,a
iemhQ mqoa.,hd fõ' tkï" b;=reï tallh fõ'

 WodyrKhla f,i nexl=jla Kh ÿka úg nexl=j w;rueÈhd f,i Kh fok

w;r" nexl=j Kh §ug Ndú;d l< wruqo,a iemhQ ;ekam;alrejd wjidk Kh
fokakd fõ ^b;=reï tallh&'

 b;=reï tall j,ska w;rueÈhka wruqo,a ,nd.;a;o w;rueÈhd úiska tu

wruqo,a wjidkfha§ ysÕ tall fj; Kh f,i ,ndfok w;r tu ysÕ tallh
wjidk Kh .kakd f,i ye¢kaúh yel'

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Survey of Financial System – Sinhala

 WodyrKhla f,i nexl=jla w;rueÈfhl= f,i ;ekam;a lrejkaf.ka

,nd.kakd uqo,a wjidkfha§ Kh .ekqïlrejl=g ,nd§u isÿ jk w;r tu Kh
.eKqïlrejd wjidk Kh .kakdfõ ^ysÕ tallh&'

uQ,H w;rueÈlrKh uÕska wjidk Kh fokakdg we;s jdis

 wjidk Kh .kakdg Rcqj Kh fokjdg jvd uQ,H w;rueÈhdg Kh §u ;=<

jeä øjYS,;djhla ,nd.; yel' ^ WodyrKhla f,i mqoa.,fhl=g Rcqj Kh
fokjdg jvd nexl=jl wruqo,a ;ekam;a l< úg wjYH wjia:djl tajd kej;
,nd.ekSu myiqfõ&'

 uQ,H w;rueÈhka yg Kh §fuka wjodku wju lr.; yel'

 úlsKsh yels iq/l=ïm;a ìyslr .ekSug yelshdj ,efí' w;rueÈhd úlsKsh

yels iq/l=ïm;a ksl=;a lrk úg" iq/l=ïm;a mßK; jk f;la fkdisg tajd
oaú;Sl fj<|fmdf<a úl=Kd uqo,a ,nd.ekSug yelshdj ,efí'

 uQ,H w;rueÈhd uÕska iy;sl l< m%;,

s dNhla ,nd.ekSug we;s yelshdj
^;ekam;= j,g l,ska ±lajQ iy;sl l< fmd,shla ,nd§u&'

 uQ,H w;rueÈhdg Kh §fï ;SrKh .ekSu idfmaCIj ir,h' wjidk Kh

.kakka fjk fjku we.hSu iy tla tla wjia:d fjk fjku we.hSug jvd
uQ,H w;rueÈfhl=g Kh §u idfmaCIj ir, ;SrKhls'

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Survey of Financial System – Sinhala

uQ,H w;rueÈlrKh uÕska wjidk Kh .kakdg we;s jdis

 wjidk Kh fokakd fyj;a b;=reï tallhlska Kh ,nd.kakjdg jvd §¾>

ld,hlg uQ,H w;rueÈhl= uÕska Kh ,nd.; yel' ^WodyrKhla f,i
nexl=jla ksjdi Khla wjqreÿ oyhla myf<djla jeks §¾> ld,hlg
,ndÿkako lsisÿ ;ks mqoa.,fhl= wjqreÿ 10l 15l Khla §ug bÈßm;a ùu b;d
úr,h&' §¾> ld,hlg Kh ,nd.ekSu ;=< wvq jdßlhla f.ùug wjia:dj
,nd.; yel'

 wjidk Kh fokakd fyj;a b;=reï tallhlska ,nd.; yels m%udKhg jvd

úYd, m%udKfha Kh uqo,la uQ,H w;rueÈhka yryd tljr ,nd.; yel'

 wjidk Kh fokakkaf.ka Kh ,nd.ekSug W;aidy orKjdg jvd uQ,H

w;rueÈhkaf.ka Kh ,nd.ekSu jvd msßueiqïodhl iy blauka l%ufhls'

 wjidk Kh fokakdf.ka Rcqj Kh ,nd.ekSug W;aidy lrkjdg jvd wvq

fmd,shlg uQ,H w;rueÈhkaf.ka Kh ,nd.ekSug yelshdj we;'

 uQ,H w;rueÈfhl=f.ka Kh .;aúg wjYH;djh mßÈ tajd kej; w¨;a

lr.ekSug yelshdjla ,efí'

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Survey of Financial System – Sinhala

uQ,H w;rueÈlrKh uÕska iuia; iudchg we;sjk jdis

 úfYaI{ ±kqu iy jD;a;h

S w;a±lSï Ndú;d lrñka jvd fyd| we.hSulska
hq;j
= Kh fok neúka Kh§ug Ndú;d lrk wruqo,a jvd ld¾hCIu yd
M,odhS f,i fhdod.ekSfï wjia:dj jeäh'

 uQ,H w;rueÈfhl=g Kh §fï wjOdku wvq ùu iy uQ,H w;rueÈhl=f.ka

Kh .ekSfï§ msßjeh wvqùu ksid Kh .ekqï iy Kh §u jeä jeäfhka isÿ
ùu ^ta wkqj myiqfjka b;=reï wruqo,a /ialsÍu iy wruqo,a wjYH ysÕ tall
fj; wruqo,a .,dhdug ie,eiaùug yelshdj ,eîu&'

 jeä wjodkula ±Ífï yelshdjla uQ,H w;rueÈhkag we;s neúka wjodku

jeä jHdmdr j,g mjd uQ,H w;rueÈhkaf.ka Kh ,nd.ekSug yelshdjla
we;' fï ;=< wjodku jeä jHdmdr mjd wd¾Ólhg w.h tl;= lsÍug tl;=
lr.; yel'

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Survey of Financial System – Sinhala

uQ,H wdh;k iy uQ,H w;rueÈlrKh

 fndfyda uQ,H wdh;kj, m%Odk;u jHdmdr lghq;;

a la jkafka uQ,H
w;rueÈlrKfha fh§uhs'

 WodyrK f,i n,m;%,dNS jdKsc nexl= b;=reï tallj,ska ;ekam;= f,i

b;=reï wruqo,a /iafldg ysÕ tall j, úúO wjYH;d i|yd Kh f,i
wruqo,a ,nd§u isÿ lrhs'

 tfiau rCIK wdh;k .;aúg jdßl f,i b;=reï tallhkaf.ka wruqo ,a

/iafldg ysÕ tallhkaf.a wjYH;d i|yd wdfhdack f,i fyda Kh f,i
wruqo,a ,nd§u isÿ lrhs'

 uQ,H wdh;k j,g id¾:lj uQ,H w;rueÈlrKh isÿ lsÍug we;s yelshdj
wod< uQ,H wdh;k fj; uyck;dj ;nd we;s úYajdih u; mokï fõ'

uQ,H w;rueÈlrK jHdmdrh

 Kh §ug fyda iq/l=ïm;a ñ,§ .ekSug fhojQ wruqo,a j,ska ,efnk fmd,S
,eîï ,dNdxY ,eîï iy m%d.aOk ,dN jeks m%;s,dN uQ,H w;rueÈfhl= ,nk
wdodhï f,i ±laúh yel'

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Survey of Financial System – Sinhala

 wruqo,a ,nd.ekSu i|yd f.úh hq;= fmd,sh iy fjk;a uqo,a m%jdy" wdh;kh
mj;ajd .ekSug jehjk úhoï iy Kh meyer yeÍu ;=< we;sjk w,dN uQ,H
w;rueÈfhl=g ±Íug isÿjk msßjeh f,i ye¢kaúh yel'

 ta wkqj uQ,H w;rueÈlrKfha ,dNh jeä lr.ekSug wdodhu jeä lr.kakd

l%u iy msßjeh wju lr.kakd l%u fj; fhduq úh hq;h
= '

uQ,H w;rueÈlrKfha ,dNh j¾Okh lr.; yels l%u

 wruqo,a ,nd.ekSu i|yd f.jkakd jQ fmd,sh iy wruqo,a Kh f,i ,nd§fï§

wh lrk fmd,sh w;r fjki fyj;a fmd,S wdka;slh jeä lr.ekSug W;aidy
±Íu' ;rÕldÍ fj<|fmd<la ;=< fuh wNsfhda.d;aul lghq;a;la fõ'

 wdh;kh mj;ajd .ekSug hk fufyhqï úhoï wju lr.ekSug W;aidy

±Íu' fï i|yd kj ;dCIKh fhdod.ksñka ld¾hCIu;djh by< kexúh
hq;h
= '

 Kh meyer yeÍfuka isÿfjk w,dN wju lr.ekSu i|yd úfYaI{ ±kqula

we;s jD;a;h
S ksmqK;ajhla we;s fiajlhka fhdodf.k Kh wjOdku ksis f,i
we.hSï isÿ lr Kh ,nd§u'

 Kh jdßl ksis mßÈ wh lr.ekSu i|yd fyd| miq úmrï l%uhla iy

ld¾hCIu Kh whlr .ekSfï l%ufõohla l%h
s d;aul lsÍu'

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