नीरव मोदी और वह फर्म जिनको वो देखते हैं, कथित रूप से बैंकिंग प्रणाली में लूप होल का काम कर रहे हैं (एलओयू) पत्र लिखकर और अपने व्यापारियों के भुगतान के लिए विदेशी बैंकों से क्रेडिट जमा करते हैं। एलओयू एक विदेशी मुद्रा भुगतानों के लिए एक बैंक गारंटी है। पिछले सात वर्षों से नीरव मोदी और उनकी तीन कंपनियां – डायमंड आर यूएस, सोलर एक्सपोर्ट्स और स्टेलर डायमंड- कथित तौर पर पीएनबी की ब्रैडी रोड शाखा से एलओयू खरीद रहे थे।
इस बैंक गारंटी ने कथित तौर पर मोदी ने भारतीय बैंकों की विदेशी शाखाओं से कम अवधि के ऋण को कच्चे माल के अपने आपूर्तिकर्ताओं को भुगतान करने में मदद की। जिससे पीएनबी शेयरों में २% की गिरावट आई बीएसई पर पिछले दिन के समापन के खिलाफ १२५.६५ पैसे को कई प्रकार की भूलभुलैया के माध्यम से स्थानांतरित किया गया था। देखें कैसे-
पीएनबी द्वारा रु ११,३०० करोड़ की धोखाधड़ी को १० पॉइंट में समझाया है:
- बैंक गारंटी का एक प्रावधान है जिसे लैटर ऑफ़ अंडरटेकिंग (एलओयू) के रूप में जाना जाता है जिसके तहत एक बैंक अपने ग्राहक को एक अल्पकालिक ऋण के रूप में किसी अन्य भारतीय बैंक की विदेशी शाखा से धन जुटाने की अनुमति दे सकता है। एलओयू एक बैंक गारंटी का उद्देश्य रखता है।
- हालांकि, एलओयू बढ़ाने में सक्षम होने के लिए, ग्राहक को एलओयू जारी करने वाले बैंक को मार्जिन धन का भुगतान करना चाहिए और तदनुसार, उन्हें क्रेडिट सीमा दी गई है। लेकिन नीरव मोदी के मामले में, न तो कोई क्रेडिट सीमा थी, न ही उन्होंने कभी भी कोई मार्जिन पैसा दिया, जैसा कि रायटर को बताया।
- नीरव मोदी, उनकी तीन कंपनियों, डायमंड आर यूएस, सोलर एक्सपोर्ट्स और स्टेलर डायमंड के माध्यम से नियमित आधार पर किसी भी तरह के पत्थरों के आपूर्तिकर्ताओं को भुगतान करने में कामयाब रहे। यह भुगतान एक्सिस बैंक, यूको बैंक (२,६३६ करोड़ रुपये) और इलाहाबाद बैंक (करीब २,००० करोड़ रुपये) सहित बैंकों द्वारा दिए गए ऋण के माध्यम से किया गया था। पीएनबी द्वारा जारी किए गए उपक्रमों के पत्रों को प्रदर्शित करने पर नीरव मोदी की फर्मों द्वारा ऋण उठाए गए थे।
- संयोग से, पीएनबी रिकॉर्ड में उपक्रम के ऐसे पत्रों का कोई आधिकारिक रिकॉर्ड नहीं था क्योंकि इस मामले की सीबीआई जांच करने से पहले इस साल की शुरुआत बैंक ने की थी।
- आदर्श रूप से, नीरव मोदी और उनकी फर्मों को कर्ज चुकाने की अपेक्षा है, लेकिन अभी तक, इन सभी ऋणों को कथित रूप से धन के अभाव के कारण शुरू किया गया है। परिदृश्य में जब उधारकर्ता चुकौती करने में विफल रहता है, तो एलओयू (इस मामले में पीएनबी) जारी करने वाला बैंक अपने ग्राहकों की ओर से प्रतिबद्धता का सम्मान करने के लिए कर्तव्यबद्ध है।
- असल में, भारतीय बैंक की विदेशी शाखाएं मोदी को ऋण के रूप में नीरव मोदी के आपूर्तिकर्ताओं को भुगतान करती हैं। गारंटी के रूप में, कंपनियां मुंबई में पीएनबी की ब्रैडी रोड शाखा द्वारा जारी किए गए उपक्रम के पत्र दिखाती हैं।
- जनवरी में, धोखाधड़ी का पता चला था जब मोदी की फर्म ने विदेशी आपूर्तिकर्ताओं के भुगतान के लिए आगे एलओयू का अनुरोध किया था। इस पर, बैंक के अधिकारियों ने बिलकुल इनकार कर दिया कि मोदी की फर्म को उसी के लिए १००% संपार्श्विक रखने की जरूरत है। मोदी की फर्म ने तर्क दिया कि इस तरह के किसी भी पैसे को पिछले समय में मार्जिन पर रखा नहीं गया था। इसके बाद, बैंक के अधिकारियों ने यह पता लगाने के लिए केवल रिकॉर्ड को स्कैन किया कि ऐसा कोई भी लेनदेन नहीं है। इसका अर्थ है कि कुछ पीएनबी कर्मचारियों के साथ मिलीभगत में नियमों को बायपास करके गारंटी / उपक्रम जारी किए गए थे।
- उपरोक्त बिंदु ८ में उल्लिखित बैंकिंग नियमों का उल्लंघन करने के कारण, भूलने के लिए एक गलती बहुत स्पष्ट थी। इसलिए, पंजाब नेशनल बैंक ने २९ जनवरी को सीबीआई के साथ एक आपराधिक शिकायत दर्ज की थी, जिसमें नीरव मोदी और अन्य बैंक को धोखा देने के आरोप लगाए गए थे और इससे रुपये का नुकसान हुआ था। २८० करोड़ (४३.८ मिलियन डॉलर) शिकायत तीन कंपनियों और चार लोगों के खिलाफ दर्ज की गई, जिसमें नीरव मोदी और गीतांजलि जेम्स के प्रबंध निदेशक मेहुल चोकसी शामिल थे।
- “हम छह महीने के भीतर सामान्य स्थिति में वापस आ जाएंगे पंजाब नेशनल बैंक के प्रबंध निदेशक और चीफ एक्जीक्यूटिव ऑफिसर सुनील मेहता ने कहा, “बैंक की समस्या और समस्या से बाहर आने की क्षमता है।” शुक्रवार को एक इन्वेस्टर कांफ्रेंस कॉल को बताया। बैंक कुछ समस्याओं के माध्यम से जा रहा था लेकिन “हम इसे ठीक कर देंगे,” उन्होंने कहा।
- भारतीय रिजर्व बैंक (आरबीआई) ने इस बीच, शुक्रवार को कहा है कि उसने पंजाब नेशनल बैंक में नियंत्रण प्रणाली का पर्यवेक्षण मूल्यांकन किया है और “वह उपयुक्त पर्यवेक्षण कार्रवाई करेगी”।
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隨著2024年的到來,娛樂城業界正經歷著一場革命性的變遷。這一年,娛樂城不僅僅是賭博和娛樂的代名詞,更成為了科技創新和用戶體驗的集大成者。
首先,2024年的娛樂城極大地融合了最新的技術。增強現實(AR)和虛擬現實(VR)技術的引入,為玩家提供了沉浸式的賭博體驗。這種全新的遊戲方式不僅帶來視覺上的震撼,還為玩家創造了一種置身於真實賭場的感覺,而實際上他們可能只是坐在家中的沙發上。
其次,人工智能(AI)在娛樂城中的應用也達到了新高度。AI技術不僅用於增強遊戲的公平性和透明度,還在個性化玩家體驗方面發揮著重要作用。從個性化遊戲推薦到智能客服,AI的應用使得娛樂城更能滿足玩家的個別需求。
此外,線上娛樂城的安全性和隱私保護也獲得了顯著加強。隨著技術的進步,更加先進的加密技術和安全措施被用來保護玩家的資料和交易,從而確保一個安全可靠的遊戲環境。
2024年的娛樂城還強調負責任的賭博。許多平台採用了各種工具和資源來幫助玩家控制他們的賭博行為,如設置賭注限制、自我排除措施等,體現了對可持續賭博的承諾。
總之,2024年的娛樂城呈現出一個高度融合了技術、安全和負責任賭博的行業新面貌,為玩家提供了前所未有的娛樂體驗。隨著這些趨勢的持續發展,我們可以預見,娛樂城將不斷地創新和進步,為玩家帶來更多精彩和安全的娛樂選擇。
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2024娛樂城的創新趨勢
隨著2024年的到來,娛樂城業界正經歷著一場革命性的變遷。這一年,娛樂城不僅僅是賭博和娛樂的代名詞,更成為了科技創新和用戶體驗的集大成者。
首先,2024年的娛樂城極大地融合了最新的技術。增強現實(AR)和虛擬現實(VR)技術的引入,為玩家提供了沉浸式的賭博體驗。這種全新的遊戲方式不僅帶來視覺上的震撼,還為玩家創造了一種置身於真實賭場的感覺,而實際上他們可能只是坐在家中的沙發上。
其次,人工智能(AI)在娛樂城中的應用也達到了新高度。AI技術不僅用於增強遊戲的公平性和透明度,還在個性化玩家體驗方面發揮著重要作用。從個性化遊戲推薦到智能客服,AI的應用使得娛樂城更能滿足玩家的個別需求。
此外,線上娛樂城的安全性和隱私保護也獲得了顯著加強。隨著技術的進步,更加先進的加密技術和安全措施被用來保護玩家的資料和交易,從而確保一個安全可靠的遊戲環境。
2024年的娛樂城還強調負責任的賭博。許多平台採用了各種工具和資源來幫助玩家控制他們的賭博行為,如設置賭注限制、自我排除措施等,體現了對可持續賭博的承諾。
總之,2024年的娛樂城呈現出一個高度融合了技術、安全和負責任賭博的行業新面貌,為玩家提供了前所未有的娛樂體驗。隨著這些趨勢的持續發展,我們可以預見,娛樂城將不斷地創新和進步,為玩家帶來更多精彩和安全的娛樂選擇。
2024娛樂城的創新趨勢
隨著2024年的到來,娛樂城業界正經歷著一場革命性的變遷。這一年,娛樂城不僅僅是賭博和娛樂的代名詞,更成為了科技創新和用戶體驗的集大成者。
首先,2024年的娛樂城極大地融合了最新的技術。增強現實(AR)和虛擬現實(VR)技術的引入,為玩家提供了沉浸式的賭博體驗。這種全新的遊戲方式不僅帶來視覺上的震撼,還為玩家創造了一種置身於真實賭場的感覺,而實際上他們可能只是坐在家中的沙發上。
其次,人工智能(AI)在娛樂城中的應用也達到了新高度。AI技術不僅用於增強遊戲的公平性和透明度,還在個性化玩家體驗方面發揮著重要作用。從個性化遊戲推薦到智能客服,AI的應用使得娛樂城更能滿足玩家的個別需求。
此外,線上娛樂城的安全性和隱私保護也獲得了顯著加強。隨著技術的進步,更加先進的加密技術和安全措施被用來保護玩家的資料和交易,從而確保一個安全可靠的遊戲環境。
2024年的娛樂城還強調負責任的賭博。許多平台採用了各種工具和資源來幫助玩家控制他們的賭博行為,如設置賭注限制、自我排除措施等,體現了對可持續賭博的承諾。
總之,2024年的娛樂城呈現出一個高度融合了技術、安全和負責任賭博的行業新面貌,為玩家提供了前所未有的娛樂體驗。隨著這些趨勢的持續發展,我們可以預見,娛樂城將不斷地創新和進步,為玩家帶來更多精彩和安全的娛樂選擇。
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娛樂城
2024娛樂城的創新趨勢
隨著2024年的到來,娛樂城業界正經歷著一場革命性的變遷。這一年,娛樂城不僅僅是賭博和娛樂的代名詞,更成為了科技創新和用戶體驗的集大成者。
首先,2024年的娛樂城極大地融合了最新的技術。增強現實(AR)和虛擬現實(VR)技術的引入,為玩家提供了沉浸式的賭博體驗。這種全新的遊戲方式不僅帶來視覺上的震撼,還為玩家創造了一種置身於真實賭場的感覺,而實際上他們可能只是坐在家中的沙發上。
其次,人工智能(AI)在娛樂城中的應用也達到了新高度。AI技術不僅用於增強遊戲的公平性和透明度,還在個性化玩家體驗方面發揮著重要作用。從個性化遊戲推薦到智能客服,AI的應用使得娛樂城更能滿足玩家的個別需求。
此外,線上娛樂城的安全性和隱私保護也獲得了顯著加強。隨著技術的進步,更加先進的加密技術和安全措施被用來保護玩家的資料和交易,從而確保一個安全可靠的遊戲環境。
2024年的娛樂城還強調負責任的賭博。許多平台採用了各種工具和資源來幫助玩家控制他們的賭博行為,如設置賭注限制、自我排除措施等,體現了對可持續賭博的承諾。
總之,2024年的娛樂城呈現出一個高度融合了技術、安全和負責任賭博的行業新面貌,為玩家提供了前所未有的娛樂體驗。隨著這些趨勢的持續發展,我們可以預見,娛樂城將不斷地創新和進步,為玩家帶來更多精彩和安全的娛樂選擇。
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2024娛樂城的創新趨勢
隨著2024年的到來,娛樂城業界正經歷著一場革命性的變遷。這一年,娛樂城不僅僅是賭博和娛樂的代名詞,更成為了科技創新和用戶體驗的集大成者。
首先,2024年的娛樂城極大地融合了最新的技術。增強現實(AR)和虛擬現實(VR)技術的引入,為玩家提供了沉浸式的賭博體驗。這種全新的遊戲方式不僅帶來視覺上的震撼,還為玩家創造了一種置身於真實賭場的感覺,而實際上他們可能只是坐在家中的沙發上。
其次,人工智能(AI)在娛樂城中的應用也達到了新高度。AI技術不僅用於增強遊戲的公平性和透明度,還在個性化玩家體驗方面發揮著重要作用。從個性化遊戲推薦到智能客服,AI的應用使得娛樂城更能滿足玩家的個別需求。
此外,線上娛樂城的安全性和隱私保護也獲得了顯著加強。隨著技術的進步,更加先進的加密技術和安全措施被用來保護玩家的資料和交易,從而確保一個安全可靠的遊戲環境。
2024年的娛樂城還強調負責任的賭博。許多平台採用了各種工具和資源來幫助玩家控制他們的賭博行為,如設置賭注限制、自我排除措施等,體現了對可持續賭博的承諾。
總之,2024年的娛樂城呈現出一個高度融合了技術、安全和負責任賭博的行業新面貌,為玩家提供了前所未有的娛樂體驗。隨著這些趨勢的持續發展,我們可以預見,娛樂城將不斷地創新和進步,為玩家帶來更多精彩和安全的娛樂選擇。
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2024娛樂城的創新趨勢
隨著2024年的到來,娛樂城業界正經歷著一場革命性的變遷。這一年,娛樂城不僅僅是賭博和娛樂的代名詞,更成為了科技創新和用戶體驗的集大成者。
首先,2024年的娛樂城極大地融合了最新的技術。增強現實(AR)和虛擬現實(VR)技術的引入,為玩家提供了沉浸式的賭博體驗。這種全新的遊戲方式不僅帶來視覺上的震撼,還為玩家創造了一種置身於真實賭場的感覺,而實際上他們可能只是坐在家中的沙發上。
其次,人工智能(AI)在娛樂城中的應用也達到了新高度。AI技術不僅用於增強遊戲的公平性和透明度,還在個性化玩家體驗方面發揮著重要作用。從個性化遊戲推薦到智能客服,AI的應用使得娛樂城更能滿足玩家的個別需求。
此外,線上娛樂城的安全性和隱私保護也獲得了顯著加強。隨著技術的進步,更加先進的加密技術和安全措施被用來保護玩家的資料和交易,從而確保一個安全可靠的遊戲環境。
2024年的娛樂城還強調負責任的賭博。許多平台採用了各種工具和資源來幫助玩家控制他們的賭博行為,如設置賭注限制、自我排除措施等,體現了對可持續賭博的承諾。
總之,2024年的娛樂城呈現出一個高度融合了技術、安全和負責任賭博的行業新面貌,為玩家提供了前所未有的娛樂體驗。隨著這些趨勢的持續發展,我們可以預見,娛樂城將不斷地創新和進步,為玩家帶來更多精彩和安全的娛樂選擇。
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