y%s ,xld nexl=lrejkaf - ibsl academic programme- sinhala... · 2018. 8. 2. · 1 y%s ,xld...

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1 Y%S ,xld nexl=lrejkaf.a wdh;kh kj wOHhk mdGud,dj jHjydßl nexl= iy uQ ,H wka ;¾ mdGud,dj (IABF) iy jHjydßl nexl= iy uQ ,H äma f,da ud mdGud,dj (DABF) nexl= iy uQ ,H kjHlrKh fjkq fjka oekq u .fõIKh lr fnodoS fï fufyjr Wfoid

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  • 1

    Y%S ,xld nexl=lrejkaf.a wdh;kh

    kj wOHhk mdGud,dj

    jHjydßl nexl= iy uQ,H wka;¾ mdGud,dj

    (IABF)

    iy

    jHjydßl nexl= iy uQ,H ämaf,daud mdGud,dj

    (DABF)

    nexl= iy uQ,H kjHlrKh fjkqfjka

    oekqu .fõIKh lr fnodoSfï fufyjr Wfoid

  • 2

    kj wOHhk mdGud,dj ( 2017

    Y%S ,xld nexl=lrejkaf.a wdh;kh

    uqøKh ( ;s,l ms%kag¾ia

  • 3

    mdGud,dj ye`Èkaùu

    nexl=j,;a" fjk;a uQ,Hdh;k iy fjf

  • 4

    fuu mdGud,dj" fldgia follska iy úfYaIs; úIhhka 17 lska iukaú; fõ' tu fldgia fol jkqfha —jHjydßl nexl= iy uQ,H wka;¾ mdGud,dj (IABF) ˜" m

  • 5

    ^11& jHjydßl nexl= iy uQ,H ämaf,daud mdGud,dj Diploma in Applied Banking and Finance ^ wksjd¾h úIhhka 4 la iy ffjl,amsl úIhhka 5 ka 3 la we;=¿j

    úIhhka 7 ls & wksjd¾h úIhhka 1' uqo,a iy uQ,H m%;sm;a;s wd¾Ól úoHdj (Economics of Money and

    Monetary Policy)

    2' uQ,H l

  • 6

  • 7

    ^і& 2014 ckjdrs ui m

  • 8

    idud¾:hka u; wka;¾ mdGud,d ^IABF& úNd.fha fyda nexl= yd uQ,H

    ämaf,daud ^DABF& úNd.fha úIhhkaf.ka ksoyia ùug wjir fokq fkd,efí'

    ^vіi& 2014 iema;eïn¾ udifha isg wka;¾ mdGud,dfõ ^IABF& iy kj

    ämaf,daud mdGud,dfõ ^DABF& úNd. wdrïN ù we;s w;r" jirlg foj;djla isxy," fou< iy bx.%Sis NdId udOHhkaf.ka" ud¾;= iy iema;eïn¾ udihkays §" wod< úNd. meje;afjkq we;' iEu úIhla i|ydu jk úNd." meh 3 l ,sÅ; m%Yak m;%hla iys;j fld

  • 9

    (xii) úNd. m%;sM, ksl=;a lsrSfuka wk;=rej W;a;r m;% kej; mÍlaId lsÍu ioyd lrkq ,nk b,a,Sï i|yd fiajd .dia;=jlg hg;aj wjir fokq ,efí'

    wka;¾ mdGud,d ^IABF& úNd.h i`oyd YsIH idudðlfhl= f,i ,shdmÈxÑ ùug my; i`oyka iqÿiqlï imqrd,sh hq;=h' ^i& Y%S ,xldj ;=< fyda úfoaYhl" ljr fyda jHjia:djla hgf;a n,m;%hla

    fyda wkque;shla ,nd we;s n,m;%,dNS nexl=jl fyda uQ,H wdh;khl fiajlfhl= ùu fyda

    ^ii& iud.ï mk; hgf;a ixia:dms; iud.ul fiajlfhl= ùu fyda

    Y%S ,xldfõ fyda úfoaYhl iïu;lr we;s kS;shlg wkqj ixia:dmkh lrk ,o iud.ul fiajlfhl= ùu fyda

    ^iii& Y%S ,xldfõ fyda úfoaYhl ms

  • 10

  • 11

    jHdydßl nexl= iy

    uQ,H wka;¾ mdGud,dj

    jHjydßl nexl= iy uQ,H wka;¾

    mdGud,dj

  • 12

    fuu mdGud,dfjka" YsIH idudðlhkg Y%S ,xld nexl=lrejkaf.a

    wdh;kfhys ^IBSL& ys úfYAIs; Wiia mdGud,djka yd bÈßhg hkq msKsi

    tkï¦ jHjydßl nexl= iy uQ,H ämaf,daud mdGud,dj" iy fhdað; wNHka;r

    Wmdê mdGud,dj —jHjydßl nexl= iy uQ,H Wmdê mdGud,dj˜ yeoEÍu msKsi

    wjYH nexl= iy uq,H uQ,O¾u iy mßphka iïnkaO moku ilialr oSu

    wruqKq lrkq ,nhs' tu ksid" fuu mdGud,dfjka wdjrKh jk úIhhka

    ie,iqï lr we;af;a nexl= iy uQ,H jD;a;slhska iy YsIHhka i`oyd uQ,O¾u

    iy mßphka ms

  • 13

    hka;%Kh ms

  • 14

    ^vi& uQ,H moaO;sfha ia:djr;ajh ( uQ,H w¾nqo ^nexl==" fjf

  • 15

    fldg we;' uQ,sl jYfhka rgl wd¾Ól ia:dhs;dj iy uQ,Huh ia:djr;ajh

    hk wxY fol i`oyd jdKsc nexl= lghq;= ia:dhs;dj fnfyúka n,mdk w;r

    tA i|yd myiqlï iïmdokh o jdksP nexl= u.ska lrkq ,nhs' tu ksid" nexl=

    iy uQ,H wxYfha jD;a;slhkag nexl=jl ´kEu wxYhl iM,odhS f,i fiajd

    iemhSu iy lghq;= lsÍu i`oyd jdKsc nexl= jHdmdßl fufyhqï lghq;=

    ms

  • 16

    ^iv& nexl= jHdmdr wdlD;s ( wdh;ksl nexl= lghq;==" idudkH nexl=

    lghq;==" .kqfokq nexl= lghq;==" cd;Hka;r nexl= lghq;=$wla -fjr<

    nexl= lghq;==" úYaj nexl= lghq;=" bia,dóh nexl= lghq;=

    ^v& nexl= fiajd fnodyeÍï ud¾. ( YdLd$fiajd uOHia:dk" iajhxl%Sh

    fÜ,¾ hka;%" wka;¾cd, nexl= lghq;=" cx.u$ fg,s nexl= lghq;=

    ^vi& nexl= lghq;=j, Yla;su;aa nj we.hSu ( j;alïj, .=Kd;aul nj"

    øjYS,;dj" ,dNodhS;ajh kqnqkaj;a nj$m%d.aOkh" ixfõ§;djh iy

    Yla;su;a nj nj ks¾Khlrk uQ,sl o¾Yl wxl'

    ^vii& nexl= wjodkï l

  • 17

    uQ,O¾u" ndi,a 111" m%d.aOk wkqmd;" øjYS,;d wkqmd;hka iy

    f;da,k wkqmd;&

    ^ix& Y%S ,xldfõ uE; ld,Sk nexl= l%ufha m%jK;d iy l%shdldß;ajhka

    ^x& uE; ld,Sk f.da,Sh nexl=lrK jHdmdßl m%jk;djka" .eg¨ iy

    f.da,Sh uQ,H w¾nqo j,ska jk n,mEu

    3' jHdmdr .sKqïlrKh

    І' úIh ye|skaùu iy wruqKq

    ms

  • 18

    m%ñ;Ska fukau wod< wfkl=;a m%Odk .sKqïlrK m%ñ;Ska iy kshduk

    wjYH;d iïnkaO oekquo ,nd §u i`oyd ie,iqï lr we;'

    ІІ ' ks¾foaYs; úIh wka;¾.;h ^i& jHdmdßl wdh;k iy fjk;a md¾Yjhkag wod< jk .sKqïlrK

    iy uq,H m%ldYhka ys uQ,sl ixl,am iy uQ,O¾u( uQ,H

    .KldêlrKfha wruqK" uqo,a yd WmÑ; ixl,am

    ^ii& f,c¾ .sKqï iy wdOdrl f,aLk ilia lsÍu ( f,c¾ .sKqï" nexl=

    iei`ÿï" fYAI msßlaiqï iy nÿlrKh jeks fjk;a ksYaÑ;

    .KldêlrK fiajd lghq;=

    ^iii& uQ,H WmlrK y`ÿkd.ekSu iy .Kkh lsÍu Y%S ,xld

    .KldêlrK m%ñ;s 39" fjk;a j;alï ^Y%S ,xld .KldêlrK m%ñ;s

    16" 17 iy 40& ( ,dNd,dN wkqj idOdrK jákdlu ksYaph l< uQ,H

    j;alï iy j.lSï" fjf

  • 19

    ^v& uQ,H wdh;k j, uQ,H m%ldY ms

  • 20

    .súiqula wjika lsÍu& iy nexl=lre yd .kqfokqlre w;r

    iïnkaO;dj" ks¾jpk" iïnkaO;d wdrïNh iy wjika lsÍu"

    ^ii& nexl=lref.a hq;=lï iy j.lSï ^ryiH;dj /lSfï hq;=lu o

    we;=¿j&" .kqfokqlrejka hq;=lï iy j.lSï" ksfhdað;fhl="

    Ndrlrefjl= iy nQo,a Ndrlrefjl=" wkqm%dma;slfhl= ^kï lsÍu"

    wka;su leu;s m;% we;s iy ke;s& jYfhka nexl=lref.a N+ñldj

    ^iii& .kqfokq l< yels ,shú,s ( ks¾jpkhka" md¾Yj lrejkaf.a j.lSï

    iy fplam;a ^.kqfokq l< yels nj" f¾Lk" wmj¾;kh wdÈh&

    ^iv& úoHq;a .kqfokq ( úoHq;a .kqfokq y`ÿkd .ekSu" fplam;a m%;srEmkh

    iy ms

  • 21

    5' wd¾Ól úoHd uQ,O¾u ^ffjl,amsl& І' úIh ye|skaùu iy wruqKq nexl= yd uQ,H jHdmdr iy wd¾Ól lghq;= w;r wka;¾ iïnkaO;djla iy

    wka;¾ /|shdjla mj;sk fyhska nexl= iy uQ,H jD;a;slhkag

    .kqfokqlrejkaf.a iy wd¾:sl l%ufha yeisÍu ms

  • 22

    iy rdcH ueÈy;aùu" fjf

  • 23

    wkqmd;h" fmd,S wkqmd; ^mokï wkqmd;&" úksuh wkqmd;" uqo,a

    iemhqfï j¾Okh iy tajdfha wka;¾ iïnkaO;djka

    ^viii& ksoyi ,eîfï isg Y%S ,xldfõ wd¾Ólh ms

  • 24

    ІІ ' ks¾foaYs; úIh wka;¾.;h ^i& uQ,H jHdmdr ( uqo,a iud.ï iy tajdfha jHdmdßl ksmehqï ^ld,Sk

    iy b;=reï ;ekam;=" foam< fjf

  • 25

    iq/l=ïm;aj, m%d:ñl wf,úlrejka" iq/l=ïm;a ;ekam;alrejka"

    kshduk iy wëCIK l%shdoduhka ^n,m;% ,nd .ekSu" wju Y=oaO

    m%d.aOkh iy úksuh i`oyd øjYS, m%d.aOk wjYH;d" fldgia

    ;/õlrejka" tall Ndr l

  • 26

    lrf.k isÿflfrk ksIamdÈ; wf,úfha § /jàug ,la lr .kqfokqlrejka

    yeisrùu wdh;kfha lS¾;shg ydks úhyels w;r kS;suh .eg¿

    fndfyduhlgo u`. mdohs¡ fï iïnkaOfhka fndfyda .kqfokqlrejka

    ie,ls,su;a fõ' tu ksid uQ,H wdh;khkays È.=ld,Sk ;sridr meje;au msKsi

    .kqfokqlrejka flfrys jk fiajlhskaf.a hy meje;au m%j¾Okh l< hq;=h'

    .kqfokqlrejka l

  • 27

    ^iii& uQ,H ksmehqï wf,úlrKh ( wf,úlrK uQ,O¾u" wf,úlrK

    ú.%yh" ^ksmehqï" m%j¾Ok" ñ," .kqfokqlrejka" fN!;sl fmkqu"

    l%shdj,s" ia:dk wdÈh& wf,úlrK ie,eiaul uQ,sl lreKq ^wruqKq"

    b,lal" mßir úYaf,aIK iy jákdlï odu úYaf,aIKh"

    wf,úlrK Wmdhud¾." ie,iqï l%shd;aul lsÍu& wf,úlrK ud¾.

    ^;uka úiska" ndysr wdh;kj,ska iyh ,nd.ekSu" m%pdrKh" ñ,

    úfYaIKh" jákdlï tl;= lsrSfï fiajd u`.ska .kqfokqlrejka ,nd

    .ekSu" m%o¾Yk" ksfhdað;hka" fnodyßkakka" wka;¾cd,$úoHq;a

    ;eme,a" iudc cd, mokï lr .;a l%ufõo wdÈh'''& fjf

  • 28

    wdrCIK kS;s" tajdfha hym;a cd;Hka;r mßphka" /lshd iqrCIs;

    nj iy M,odhs;ajh" fiajdjka ndysr wdh;k u`.ska iïmdokh lsÍu

    ^v& .kqfokqlrejka iqrCIs; lr,Sfï kS;s iy mßphka ( úYajikSh

    j.lSï" uQ,H ksmehqï j, wjodkï ms

  • 29

    ms

  • 30

    ^xi& úYaf,aIKd;aul jd¾;d ms

  • 31

    jHjydßl nexl= iy uQ,H

    ämaf,daud mdGud,dj

  • 32

    jHjydßl nexl= iy uQ,H wka;¾ mdGud,dfjka ,nd fok ,o uQ,sl úIh

    oekqu jvd;a iúia;rd;aulj m%.=K lsÍu Wfoid nexl= iy uQ,H wxYfha

    úfYaIs; oekqu ,nd §u fuu mdGud,dfjka wfmaCId flf¾' fuu

    mdGud,dfjka ,nd .kakd oekqu isiqkg iy jD;a;slhka yg ish Wmdê iy

    mYapd;a Wmdê mdGud,d lrd hEug fukau" ish jD;a;Sh lghq;=j, § Wiiaùï

    ,nd .ekSu i|yd" wjYH jk fCIa;%hkaf.a ld¾hidOkh by, kxjd .ekSug

    o WmldÍ jkq we;' tu úfYaIs; fCIa;%hka jkqfha uqo,a iy uQ,H m%;sm;a;sh"

    cd;Hka;r fjf

  • 33

    jHdmdr lghq;= ;=

  • 34

    ^v& uqo,a i`oyd we;s b,a¨u ( .kqfokq" wdrCIK iy iufmaCIK

    fÉ;kdj" b,a¨u i|yd n,mdk idOl" ;=,s;;dj i`oyd jk b,a¨u"

    øjYS,;d jrKh iy øjYS,;d m%fhda. ^W.=,&

    ^vi& uqo,a ueùu ( mokï uqo,a" ;ekam;= iy Kh" uqo,a$Kh .=Klh

    ms

  • 35

    ^xii& tlai;a rdcOdksh" wefußld tlai;a ckmoh" hqfrdamd fldñiu iy

    cmdkh hk rgj, uE; ld,Sk f.da,Sh uqo,a m%;sm;a;s m%jK;d (

    miq.sh oYl fol ;=< uQ,H m%;sm;a;sfha plS%h yeisÍu" fmd

  • 36

    flfia jqj;a" nexl= iy uQ,H wxYfha jD;a;slhkag uQ,H l

  • 37

    ^iv& uQ,H úYaf,aIKh" ie,iqïlrKh iy mqfrdal:kh ( wjodkï$bmhqï

    yqjudre lr .ekSu" whjehlrK Ys,am l%uhka ^jHdmdr ud¾. mokï

    lrf.k" ls%hd wkqj" jHdmdr$fufyhqï b,lal wdÈh wkqj& wkd.;

    uQ,H m%jdy mqfrdal;kh" uqof,a ld, jákdlï $j;auka w.h iy

    WÑ; uQ,H f;da,k uÜgu" uQ,H ld¾hidOk mqfrdal:khka ^w;S;

    ld¾hidOkhkaf.a ixLHd;aul wdlD;Ska iy wfkl=;a wdlD;Ska fyda

    úia;rd;aul úksYaphka mokï lr.;a mqfrdal:khka" wd;;s

    fikdßfhda mÍlaIK" wdÈh&

    3' cd;Hka;r fjf

  • 38

    ІІ ' ks¾foaYs; úIh wka;¾.;h ^i& cd;Hka;r fj

  • 39

    ^v& f¾.= ld¾h mámdá ( NdKav j¾.SlrKh iy wkql+,;aj l%u" wjYH

    ,shú,s" wdkhk NdKav ksYaldYkh" nÿ $;Sre nÿ .Kkh iy

    f.ùï" f¾.= .nvd nkAê; fjf

  • 40

    ^ix& cd;Hka;r fjf

  • 41

    fõ' ta wkqj" nexl= iy uQ,H wxYfha jD;a;slhska i`oyd Kh l

  • 42

    ^iv& Kh wjodkï fufyhùu $miq úmrï ( ld,Skj Khlref.a

    f;dr;=re$ .sKqï m%ldYk fidhd ne,Su$úmrï lsÍu" mÍCIK

    ^wNHka;r$ndysr ksfhdacHdh;k&" Kh m%;sf,aLkh" whlsÍï

    l%shdud¾." Kh jHq;amkakhka Ndú;h ^iq/l=ïlrKh" Kh meyer

    yeÍï" yqjudre wdÈh&" ndi,a Kh wjodkï wdlD;Ska iy m%d.aOk

    fjka lsÍï

    5' uQ,H wdh;k l

  • 43

    u`.ska wdjrKh lsrSfuka je

  • 44

    uQ,H ld¾hidOk úYaf,aIK ^uQ,H .sKqïlrK wkqmd; úYaf,aIKh"

    iy wjodkï mokï lr.;a jHdmdr ld¾hidOk jd¾;d ieliSu&

    ^vii& ú.Kkh ( ndysr iy wNHka;r ú.Kk l%shdj,shka ^ú.Kk jr m;%h"

    n,;," ld¾hhka" ksheÈ" ikaksfõokh" wdÈh& ú.Kk l%u ^wkql+,;d

    mokï lr.;a" wjodkï mokï lr.;a" ld¾hidOk we.hSï wdÈh&

    m%Odk ú.Kk m%ñ;Ska" ú.Kk lñgq" jd¾;dlrKh iy .eg¿ úi`§u$

    ú.Kk u;

    ^viii& wkql+,;d ( wruqKq ^wjxl;ajh iy wjodkï l

  • 45

    wjia:d" wNsfhda.$;¾ck úYaf,aIKh" jHdmdßl l%fudamdhhka" m%Odk

    ld¾hidOk ks¾kdhlhka ^KPIS& iy tajd fufyhùï hdka;%Kh

    ^xi& uQ,H jxpd ( fmdkais (Poncy) fhdackd l%u ^f.da,avka lS" uefvd*a

    (Madoff)" jxpksl l%shd iy wNHka;r md,k l%uj, ì`o jeàï" ^fíßx

    (Baring) fidihsáfckr,a" USB, JP fuda.ka fpia& .sKqïlrK ueùï

    iy ÿ¾j, hymd,khka" ^fYaI m;%fhka neyerj j.lSï ie`.ùu"

    tkafrdka" ,Suka n%o¾ia& ldâ m;a jxpd" uqo,a úY=oaêlrKh i`oyd

    iyhùï" ksmehqï jerÈ f,i úlsKsu

    ^xii& wjodkï l

  • 46

    6' uQ,H fjf

  • 47

    ІІ ' ks¾foaYs; úIh wka;¾.;h ^i& jHdmdr jia;= fjf

  • 48

    .ekSu iy úi`§u iïnkaOj kshdulhskaf.a N+ñldjka" j;auka

    f.da,Sh úêu;alrK m%;sixúOdk l%shd lghq;= iy jd¾;d

    7' wdfhdack nexl= lghq;= ^ffjl,amsl& І' úIh ye`Èkaùu iy wruqKq wdfhdack nexl= lghq;=" uQ,H fj

  • 49

    ІІ ' ks¾foaYs; úIh wka;¾.;h ^i& wdfhdack nexl= jHdmdrfha úldYkh

    ^ii& ksl=;= l

  • 50

    fkdjk Wmldrl fiajd tkï mqyqKq ùï" l

  • 51

    l%u" wNHka;r M,od wkqmd;h (IRR) ms

  • 52

    lghq;= fukau ia:djr;ajho uy nexl= m%;sm;a;sj, n,mEï u; úYd, f,i

    r|d mj;shs' uy nexl= m%;sm;a;Ska ms

  • 53

    fkdjk& m%udKd;aul myiqlrKhka" ì| jefgk nexl= iy

    uQ,Hdh;k i|yd myiqlï ie,iSu'

    ^vi& uy nexl= j, iajdëk;ajh ( ixl,amh" ffk;sl m%;smdok" f.da,Sh

    mßphka m%Odk m%;sm;a;suh wNsfhda.

    wOHhkh l, hq;= oE

    wfmalaIs; whÿïlrejkag u.fmkaùu i`oyd ks¾foaYs; fmd;a we;=