n]vfk/LIf0f Joj;fo ug]{ JolQm, kmd{ jf sDkgLnfO{ ;DklQ

z'l4s/0f -dgL nfp08l/_ lgjf/0f ug]{ ;DaGwdf ljQLo

hfgsf/L OsfO{n] hf/L u/]sf] lgb]{zg
n]vfk/LIf0f Joj;foLnfO{ hf/L u/]sf] lgb]{zg g+= !

g]kfn /fi6 a}+s

s]Gb|Lo sfof{no
ljQLo hfgsf/L OsfO{
@)^&, sflt{s

-@)^&.*.!% b]lv nfu" x'g]u/L hf/L_

g]kfn /fi6 a}+s

ljQLo hfgsf/L OsfO{
;DklQ z'l4s/0f -dgL nfp08l/_ lgjf/0f P]g, @)^$ adf]lhd ;DklQ z'l4s/0f tyf
cftssf/L sfo{df ljQLo nufgL ug]{ h:tf ck/fwsf] lgoGq0fsf] l;nl;nfdf n]vfk/LIf0f
Joj;fo ug]{ JolQm, kmd{ jf sDkgLn] -o;kl5 n]vfk/LIf0f Joj;foL egL ;Daf]wg ul/Psf]_
k7fpg' kg]{ ;"rgf tyf hf]lvd Joj:yfkgsf ;DaGwdf ;f]xL P]gsf] bkmf !)-#_ tyf ;DklQ
z'l4s/0f lgodfjnL, @)^^ sf] lgod &-!_ n] lbPsf] clwsf/ k|of]u u/L ljQLo hfgsf/L OsfO{n]
b]xfosf lgb]{zg hf/L u/]sf] 5 .
!=

u|fxs;]jfu|fxLsf] :ki6 klxrfg -Customer Due Diligence) sfod u/L ;f]sf] ljj/0f
/fVg' kg]{M +
!=! n]vfk/LIf0f Joj;foLn] s'g} JolQm;Fu cfkm\gf] k]zfut sfd sf/jfxLsf] l;nl;nfdf
;DjGw :yflkt ubf{ To:tf] u|fxs;]jfu|fxLsf] cg';"lr! adf]lhd klxrfg v'Ng]
sfuhft tyf ljj/0f lnO{ ;f]sf] clen]v /fVg' kg]{5 .

!=@ n]vfk/LIf0f Joj;foLn] klxn] g} :yflkt u/]sf] klxrfg / ;f];Fu ;DjlGwt

sfuhftdf s'g} kl/jt{g ePsf] cj:yfdf v08 ! adf]lhdsf] klxrfg k|lqmofnfO{
k'gM ;DkGg ug'{ kg]{5 .
@=

ljj/0f lbg' kg]{M lgb]{zg g+= ! adf]lhd n]vfk/LIf0f Joj;foLn] cfjZos ljj/0f dfUbf
To:tf] ljj/0f pknJw u/fpg] bfloTj ;DjlGwt u|fxs;]jfu|fxLsf] x'g]5 . s'g} sf/0fj;
To:tf] ljj/0f glbg] jf lbg g;Sg] u|fxs;]jfu|fxL;Fu n]vfk/LIf0f Joj;foLn] cfkm\gf]
sf/f]jf/ jf Joj;flos ;DaGw /fVg tTsfn OGsf/ ug{ ;Sg]5 . s'g} sf/0fn] ;DjGw
:yflkt ug{ O{Gsf/ ug{ g;lsg] cj:yf ePdf To:tf u|fxs;]jfu|fxL;+usf] sf/f]jf/nfO{
z+sf:kb sf/f]jf/ dfgL ;f]sf] ljj/0f cg';"lr@ adf]lhdsf] 9fFrfdf ljQLo hfgsf/L
OsfOdf k]z ug'{ kg]{5 .

#=

z+sf:kb sf/f]jf/sf] ljj/0f k7fpg' kg]{]M

#=! n]vfk/LIf0f Joj;foLn] o; lgb]{zgdf lbPsf] cfwf/ adf]lhdsf] cj:yf /x] ePdf
To:tf s'g}klg u|fxs;]jfu|fxLsf] sf/f]jf/sf] ;"rgf cg';"lr@ adf]lhdsf]
9fFrfdf ljQLo hfgsf/L OsfO{nfO{ tTsfn lbg' kg]{5 .
#=@ n]vfk/LIf0f Joj;foLn] z+sf:kb sf/f]jf/ egL ljQLo hfgsf/L OsfOnfO{ lbPsf
hfgsf/Lsf] clen]v v8f u/L /fVg' kg]{5 .

$=

;"rgf lbg' kg]{ z+sf:kb sfd sf/f]jf/sf] k|s[ltM ;DklQ z'l4s/0f -dgL nfp08l/_
lgjf/0f P]g, @)^$, ;DklQ z'l4s/0f -dgL nfp08l/_ lgjf/0f lgodfjnL, @)^^ tyf
o; lgb]{zg adf]lhd n]vfk/LIf0f Joj;foLn]] cfk\mgf] k]zfut sfd sf/jfxL l;nl;nfdf
s'g} klg :jb]zL jf ljb]zL gful/s, kmd{, sDkgL, ;+:yf jf lgsfon] ;DklQ z'l4s/0f,
cftssf/L sfo{ jf ;Da4 cGo s;"/hGo s'g} klg sfo{x? u/]sf], ug{ nfu]sf] jf ug{
1

k|of; u/]sf] yfxf x'g cfPdf jf b]lvPdf jf b]xfo adf]lhdsf] sfo{ u/] u/fPsf] jf ug{
nfu]] jf nufPsf] kfPdf jf z+sf nfu]df ;f] s'/f z+sf:kb sfo{ultljlwsf/f]jf/sf]
;"rgfsf] ?kdf cg';"rL@ sf] 9fFrfdf ljQLo hfgsf/L OsfOnfO{ tTsfn ;"rgf ug'{
kg]{5M
$=! s'g} klg u|fxs;]jfu|fxLn] g]kfn jf ljb]zdf s'g} s;"/ jf ck/fwaf6 k|fKt jf
k|rlnt sfg"g adf]lhd nfg Nofpg gldNg] s'g} klg k|sf/sf] ;DklQ -/sd ;d]t_,
;f]df k|of]u ePsf jf ug{ vf]lhPsf j:t', pks/0f jf s'g} klg >f]t ;fwg Nofpg
n}hfg jf ;f]sf] k|of]u jf pkof]udf u/]sf] jf ug{ vf]h]sf] kfO{Pdf,
$=@ cfkm"n] ;]jf k|bfg u/L /x]sf] s'g} klg u|fxs;]jfu|fxLn] g]kfn jf ljb]zdf s'g}
s;"/ jf ck/fwaf6 k|fKt /sd jf cGo s'g} klg k|sf/sf] ;DklQsf] Joj:yfkg ug]{
lhDdf lnPsf] jf lng] k|of; u/]sf]df,
$=# cfkm"n] ;]jf k|bfg u/L /x]sf] s'g} klg u|fxs;]jfu|fxLn] g]kfn jf ljb]zdf s'g}
s;"/ jf ck/fw ug{ u/fpg k|ToIf jf ck|ToIf pBf]u, d2t, ;xof]u, jf b'?T;fxg
u/] u/fPdf,
$=$ cfkm"n] ;]jf k|bfg u/L /x]sf] u|fxs;]jfu|fxL s'g} lsl;dn] ;DklQ z'l4s/0f
;DaGwL s;"/ jf s/, /fhZj tyf cGo ;/sf/L b:t'/ 5nL;Fu ;DjlGwt sfd
sf/jfxLdf ;+nUg ePsf] jf s'g}klg lsl;dsf] cfk/flws sfo{df k|ToIf jf
ck|ToIf?kdf ;+nUg ePsf] kfO{Pdf jf ;f]sf] z+sf nfu]df,
$=% cfkm"n] ;]jf k|bfg u/L /x]sf] u|fxs;]jfu|fxL s'g} klg lsl;dsf cft+sjfbL
lqmofsnfk jf /fli6o jf cGt//fli6o cft+sjfbL ;+u7gdf ;+nUg ePsf] kfO{Pdf jf
z+sf nfu]df,
$=^ cfkm"n] ;]jf k|bfg u/L /x]sf] s'g}klg u|fxs;]jfu|fxLn] k|rlnt sfg"g tyf n]vf
dfkb08 cg'?k n]vf g/fvL ;+:yfsf] >f]t ;fwgsf] b'?kof]u u/]sf] kfO{Pdf,
$=& cfkm"n] ;]jf k|bfg u/L /x]sf] u|fxs;]jfu|fxLn] jf:tljs sf/f]jf/ n'sfpg, sd
b]vfpg jf cjf:tljs sf/f]jf/ ePsf] egL b]vfpgsf nflu cfkm"nfO{ cg'/f]w ug]{,
bjfj lbg], k|efj kfg]{ sfo{ u/]df .
%=

cftsf/Lsf] klxrfg, sf/f]jf/df lgoGq0f / ;"rgfM

%=! n]vfk/LIf0f Joj;foLn]] cfkm\gf] u|fxs;]jfu|fxL ;+o'Qm /fi6 ;+3, ;'/Iff kl/ifb\sf]
lg0f{o g+= !@^& tyf ;f];Fu ;DalGwt cft+ssf/Lsf ?kdf ;"lrs[t cn sfobf,
tflnjfg nufot ;do ;dodf tf]lsPsf cGo ;+:yf, ;d"x jf JolQm / To:tf;Fu
;Da4 s'g} klg ;+:yf, ;d"x jf JolQm;Fu ePsf] kfPdf ;f]sf] hfgsf/L ljQLo
hfgsf/L OsfOdf tTsfn k7fpg' kg]{ 5 .
%=@ v08 %=! adf]lhdsf] s'g} sfd sf/f]jf/df ;+nUg s'g} JolQm, ;+:yf, kmd{ jf
sDkgLnfO{ cfkm"n] ;]jf k|bfg u/L/x]]sf] kfOPdf jf yfxf kfPdf tTsfn z+sf:kb
sf/f]jf/sf] ?kdf o; OsfO{nfO{ hfgsf/L k7fO{ ;f]sf] hfgsf/L ck/fw lgoGq0f
ug]{ ;DalGwt ;/sf/L lgsfo jf clwsf/LnfO{ ;d]t lbg' kg]{5 .
%=# n]vfk/LIf0f Joj;foL n]] v08 %=! adf]lhdsf s'g} JolQm, ;+:yf, kmd{ jf sDkgL
;DaGwL
hfgsf/L
;+o'Qm
/fi6
;+3sf]
j]e
;fO6
2

http://www.un.org/sc/committees/1267/pdf/consolidatedlist.pdf

af6

k|fKt u/L ;f]sf] klxrfg / lgoGq0f ug]{ cfjZos ;+oGq lgdf{0f ug'{ kg]{ 5 .
%=$ g]kfnsf] k|rlnt sfg"g jf sfg"gL Joj:yfn] cGoyf u/]sf]df afx]s n]vfk/LIf0f
Joj;foLn] ljleGg d'n'sn] cft+ssf/L jf cfk/flws lu/f]xsf ?kdf 3f]if0ff u/]sf
s'g} ;+:yf, ;d"x jf JolQm / To:tf;Fu ;Da4 s'g} klg ;+:yf, ;d"x jf JolQm
cfkm\gf] u|fxs;]jfu|fxL ePsf] yfxf kfPdf tTsfn z+sf:kb sf/f]jf/sf] ?kdf o;
OsfO{nfO{ k7fO{ ;f]sf] hfgsf/L ck/fw lgoGq0f ug]{ ;DalGwt ;/sf/L
clwsf/LnfO{ ;d]t lbg' kg]{5 .
^=

hf]lvdsf] Joj:yfkgM n]vfk/LIf0f Joj;foLn]] cfk\mgf u|fxs;]jfu|fxL b]xfo adf]lhdsf]

h:tf] nfu]df pgLx?;Fusf] sf/f]jf/nfO{ hf]lvdo'Qm sf/f]jf/ cGtu{t /fvL To:tf
u|fxs;]jfu|fxLnfO{ ;]jf k|bfg ubf{ ljz]if zt{stf ckgfpg' kg]{5 .
-s_ g]kfn jf ljb]zdf cft+ssf/L ultljlw, cft+sjfbL ;+u7g, ;+ul7t ck/fw,
nfu" cf}ifw nufot cGo s'g} klg lsl;dsf cfk/flws sfo{nfO{ k|ToIf jf
ck|ToIf ;xof]u k'ofpg];Fu ;DalGwt JolQm, ;+:yf jf pgLx?sf ;xof]uL
;Da4 /x]sf kmd{, sDkgL jf ;+3;+:yf,
-v_ /fhg}lts, Joj;flos, ;fdflhs, ljQLo, k|zf;lgs cflb If]qdf pRr
txdf /x]sf :jb]zL jf ljb]zL gful/s tyf yfxf eP;Ddsf lghsf
kl/jf/, glhssf gft]bf/ jf lgx?;Fu ;Da4 kmd{, sDkgL jf ;+3;+:yf,
-u_ cfdg] ;fdg] geO{ ;]jf k|bfg ug'{ kg]{ JolQm, kmd{, sDkgL jf ;+3;+:yf,
-3_ ;DklQ z'l4s/0f / cftjfbL lqmofsnfk /f]Sg] ;DaGwdf cfjZos
dfkb08 gckgfPsf b]zsf kmd{, sDkgL jf ;+3;+:yf,
-_ ;+o'Qm /fi6 ;+3 jf cGo cGt/;/sf/L cGt//fli6o ;+:yfn] cfly{s
gfsfaGbL nufPsf] jf va/bf/L u/]sf /fi6sf kmd{, sDkgL jf ;+3;+:yf,
-r_ ;DklQ z'l4s/0f / cGo ljQLo ck/fwdf ;+nUg ePsf] egL cfd ;+rf/
dfWoddf rrf{ kfPsf kmd{, sDkgL jf ;+3;+:yf,
-5_ n]vfk/LIf0f Joj;foL sf] sfo{If]q leq x'g] u/]sf sfd sf/jfxL cflbsf
cfwf/df a9L z+sf ug'{ kg]{ kmd{, sDkgL jf ;+3;+:yf,
-h_ s/, eG;f/, b:t'/ jf cGo /fhZj cflb 5nL, lxgfldgf ug{ u/fpg] egL
a'lemPsf;'lgPsf / ;f];Fu s'g} klg k|sf/n] ;DalGwt kmd{, sDkgL jf
;+3;+:yf,
-em_ jf:tljs sf/f]jf/ n'sfpg, sd b]vfpg jf cjf:tljs sf/f]jf/ ePsf]
egL b]vfpgsf nflu cfkm"nfO{ cg'/f]w ug]{, bjfj lbg], k|efj kfg]{ JolQmx?
;+nUg /x]sf] kmd{, sDkgL jf ;+3;+:yf,
-`_ n]vfk/LIf0f Joj;foL cfkm}n] pko'Qm 7fg]sf cGo JolQm jf ;+:yf .

&=

sfof{Gjog clws[tM n]vfk/LIf0f Joj;foL cfkm} jf cfkm";Fu sfo{ ug]{ s'g} JolQmnfO{
;DklQ z'l4s/0f -dgL nfp08l/_ lgjf/0f P]g, ljQLo hfgsf/L OsfOsf] lgb]{zg tyf
o; ;DaGwL cGo k|rlnt sfg"g adf]lhdsf] sfo{ ug]{ kmf]sn KjfOG6sf] ?kdf sfd ug{
3

Ps sfo{Gjog clws[tsf] Joj:yf ug'{ kg]{5 . o;/L sfd ug]{ JolQmsf] gfd, 7]ufgf,
;Dks{ gDj/, Od]n nufotsf ljj/0f ljQLo hfgsf/L OsfO{df k7fpg' kg]{5 .
*=

ljj/0f k7fpg] k4ltM

*=! n]vfk/LIf0f Joj;foLn]] ljQLo hfgsf/L OsfOnfO{ lbg' kg]{ z+sf:kb sf/f]jf/sf]
;"rgf tyf ljj/0f cg';"rL@ 9fFrfdf sfof{Gjog clws[t dfkm{t k]z ug'{ kg]{5 .
*=@ n]vfk/LIf0f Joj;foLn] z+sf:kb sf/f]jf/nfO{ kq jf k\mofS;, O{d]n h:tf
ljB'tLo ;+rf/ dfWodaf6 ljQLo hfgsf/L OsfO{nfO{ k|bfg ug{ ;Sg]5 . k\mofS;,
O{d]n h:tf dfWodaf6 hfgsf/L k|bfg ul/Psf] ePdf tTsfn cGo dfWodaf6
;f]sf] k'i6L ug'{ kg]{5 .
*=# ljQLo hfgsf/L OsfO{nfO{ lbOPsf] ljj/0fdf s'g} s'/f 5"6 ePdf jf To:tf]
sf/f]af/ ubf{sf ;dodf ;DalGwt JolQmn] k]z u/]sf] ljj/0f jf hfgsf/L eGbf
km/s ljj/0f jf hfgsf/L kl5 k|fKt ePdf ;DalGwt n]vfk/LIf0f Joj;foLn]
;f]sf] hfgsf/L ljQLo hfgsf/L OsfO{nfO{ t'?Gt lbg' kg]{5 .

(=

cg'udg tyf lgodgM

(=! k|rlnt sfg"g adf]lhd ljQLo hfgsf/L OsfO{n] ;DklQ z'l4s/0f -dlg
nfpG8l/_ lgjf/0f P]g tyf ;f] cGtu{t hf/L ePsf] lgod, ljlgod, lgb]{zg jf
cfb]z adf]lhd ug'{ kg]{ sfo{x? ;DjlGwt k]zfut Joj;foLn] u/] gu/]sf]
;DjGwdf ;do ;dodf cg'udg ug{ u/fpg jf ;DalGwt lgsfonfO{ cg'/f]w ug{
;Sg]5 .
(=@ v08 ! adf]lhd cg'udg ubf{ u/fpbf cfjZos ;Dk"0f{ ;xof]u ug'{ u/fpg'
;DjlGwt k]zfut Joj;foLsf] st{Ao x'g]5 .
uf]Kotf e ug{ gx'g]M n]vfk/LIf0f Joj;foL jf ;f]sf] s'g} klg sd{rf/L, kbflwsf/L jf
k|ltlglwn] ljQLo hfgsf/L OsfO{nfO{ k|bfg u/]sf] ;"rgf, hfgsf/L, cg';Gwfg tyf
txlssftsf]] l;nl;nfdf jf cfgf] st{Jo kfng ubf{ 1ft x'g cfPsf] s'g} klg tYo jf
bflvnf ePsf] s'g} lnvtsf] uf]Kotf k|rlnt sfg"gn] afWo u/]sf] cj:yfdf afx]s cGo
cj:yfdf e ug{ jf u|fxs nufot cGo sf]xL s;}nfO{ s'g} klg tl/sfaf6 hfgsf/L lbg'
x'b}g .

!)=

gf]6M ljj/0f k7fpbf b]xfo adf]lhdsf] 7]ufgfdf k7fpg' kg]{5 .

g]kfn /fi6 a}+s
ljQLo hfgsf/L OsfO
afn'jf6f/, sf7df08f}
kmf]gM $$!(*)$,$$!(*)%,$$!(*)&
-Ext. $!$,$!&,$!*_
km\ofS;M $$$!)%!

Od]nM

reportfiu@nrb.org.np

cg';"rL !
u|fxs;]jfu|fxL kl/ro ;DaGwL k|lqmof
n]vfk/LIf0f Joj;foL n] sf/f]jf/sf] ;Gbe{df u|fxs;]jfu|fxLsf] b]xfo adf]lhdsf] ;"rgf
tyf sfuhftx? lng' kg]5
{ .
(1)
(2)
(3)
(4)
(5)
(6)

;+3, ;+:yf, kmd{ jf sDkgLsf] :ki6 gfd, 7]ufgf

btf{ k|df0fkq
6]lnkmf]g gDa/, Od]n -ePdf pNn]v ug]{_
:yfoL n]vf gDj/ jf d'No clej[4L gDj/
;~rfns ;ldlt tyf d'Vo eO{ sfd ug]{ JolQmsf] gfd,
7]ufgf tyf ;Dks{ 6]lnkmf]g gDa/, Od]n OToflb
cGo cfjZos sfuhftx? -n]vfk/LIf0f Joj;foL :jo+n]
tf]Sg ;Sg]_

cg';"lr @
n]vfk/LIf0f Joj;foL n] z+sf:kb sf/f]jf/sf] ljj/0f k7fpg] 9fFrf
n]vfk/LIf0f Joj;foL sf] gfdM
qm=;+

u|fxs;]jfu|fxLsf] gfd /
7]ufgf

:jb]zL jf ljb]zL s'g

sDkgL xf] ;f] s'/f

;]jf k|bfg
u/]sf] ldlt

u|fxs;]jfu|fxLsf]
sfd sf/f]jf/sf]
k|s[lt

z+sf:kb x'gfsf]
sf/0f

s}lkmot

1
2
3
4
5
6
7
8
9

ljj/0f k]z ug]{sf] x:tfIf/M

(sfof{Gjog clws[t d'Vo eO sfd ug]{ JolQm)
gfd:
kmf]g:
Od]n:
k\mofS;:
ldlt: