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इलेक्‍ट्रॉनिक लेन-देन को सुविधाजनक बनाने के लिए मसौदा प्रस्‍ताव

Draft Proposals for Facilitating Electronic Transactions
आरंभ करने की तिथि :
Jun 16, 2015
अंतिम तिथि :
Jun 29, 2015
17:00 PM IST (GMT +5.30 Hrs)
प्रस्तुतियाँ समाप्त हो चुके

वित्‍त मंत्री ने केन्‍द्रीय बजट 2015-16 के अपने बजट भाषण में निम्‍नलिखित ...

वित्‍त मंत्री ने केन्‍द्रीय बजट 2015-16 के अपने बजट भाषण में निम्‍नलिखित घोषणा की:

“काले धन के प्रवाह को रोकने का एक तरीका नकद लेन-देन को हतोत्‍साहित करना है। आजकल चूंकि बहुसंख्‍यक भारतीयों के पास “रूपे” डेबिट कार्ड होता है अथवा वे उन्‍हें प्राप्‍त कर सकते हैं, अत: मैं शीघ्र ही कुछ ऐसे उपाय शुरू करने के प्रस्‍ताव करता हूं जो डेबिट अथवा क्रेडिट कार्ड संबंधी लेनदेनों को प्रोत्‍साहित करेंगे और नकद लेन-देन को हतोत्‍साहित करेंगे।”

तदनुसार, इलेक्‍ट्रॉनिक लेन-देन (ई- लेन-देन) को सुविधाजनक बनाने के लिए मसौदा प्रस्‍ताव तैयार किए गए हैं। मसौदा प्रस्‍तावों पर टिप्‍पणियां और अभिमत आमंत्रित हैं।

इलेक्‍ट्रॉनिक लेन-देन को सुविधाजनक बनाने के लिए मसौदा प्रस्‍ताव (नीचे प्रस्‍तुत प्रस्‍ताव केवल मसौदा अवस्‍था में है और लोगों की राय जानने के लिए इन्‍हें यहां रखा जा रहा है। इस अवस्‍था में वे प्रस्‍ताव, सरकार की किसी प्रतिबद्धता को इंगित नहीं करते।)

आपके विचारों को व्‍यक्‍त करने की अंतिम तारीख 29 जून, 2015, सायं 5:00 बजे तक है।

फिर से कायम कर देना
1250 सबमिशन दिखा रहा है
christopher williams
christopher williams 10 साल 12 महीने पहले
One further measure, not mentioned in the summary, would be the withdrawal of all current notes issued and converted into electronic accounts. The issuance of new small denomination notes or coins could be an alternative for those with no electronic option. While this would create a cost for the government, the actual value could be far greater, particularly if those bringing large value notes to a bank or transfer point had to declare how they had earned such funds.
christopher williams
christopher williams 10 साल 12 महीने पहले
This role of tax adjustment at the central clearing point is one that can enable the issuance of incentives as well. This may include prizes or occasional tax holidays, either in advance or subsequently, so that both the merchant and the consumer can be attracted to paying electronically, rather than in cash.
christopher williams
christopher williams 10 साल 12 महीने पहले
The factor which makes your concept of tax incentives affordable and very appropriate is that VAT can be collected in real time on all electronic transaction sales, preferably using the format we created ten years ago for stripping out the tax during the course of the payment. This eliminates the danger of merchants falsifying their tax reports and/ or holding the funds past the due date.
christopher williams
christopher williams 10 साल 12 महीने पहले
The additional value of providing a reliable, cost-effective flow of funds to the remaining 2 billion plus unbanked in the region is enabling them to spend their funds electronically as well. This can lower the costs, widen the choice of products and services and enable service providers to reach far higher levels of target audiences in a simple manner.
christopher williams
christopher williams 10 साल 12 महीने पहले
due to regulatory issues, often imposed in other countries. There is much to be gained from working together at the international level to improve the legal alternative. In particular, we propose an electronic currency solution for the whole AIIB region as a way of reducing costs and improving remittance, aid and business flows throughout the region. When the combined economic might of over 4 billion people, and over $25 trillion in GDP is brought together, the gains can be immense.
christopher williams
christopher williams 10 साल 12 महीने पहले
under tight limits and following real time fraud controls. Of the $500 billion p.a. international remittance market recognized as legal business, there is estimated similar to double amount conducted through the Hawala network, so perhaps a further $1 trillion involved. Apart from this impact on how the black market is funded in this way, there is the encouragement of trade in drugs, sex trafficking and gambling created by the Hawala funding from honest people who have no legal alternative
christopher williams
christopher williams 10 साल 12 महीने पहले
Incentivizing all participants to move to electronic payments is important, as is the limitation of regulatory interference within the transaction flow, particularly for the unbanked and poorest members of the community. Hawala systems operate for the poorest as being the only way they can send or receive funds in a cost-effective manner. So, the first action (as in your opening objective) is to reduce the difficulty of transacting legally, by having a blanket approval for small transactions
christopher williams
christopher williams 10 साल 12 महीने पहले
Comments on Proposals for facilitating electronic transactions From Christopher Williams, Chairman RTpay As an opening comment, I believe these proposals represent an excellent format for responding to the critical issue of reducing cash transactions – and with them, the enormous role of criminal activity within the financial system.
Anas Siddiqui
Anas Siddiqui 10 साल 12 महीने पहले
The draft proposal on electronic transaction is a great measure to curb black money transactions, tax avoidance & reduce corruption. However, the following points must be considered to make India a cashless economy: -Reduction of service tax, VAT, surcharge & luxury tax on non-cash transactions -No charges on IMPF & other bank transfers -User controlled dynamic spend limits on Debit cards -Alternative methods for 2 factor authentication -Install NFC supported machines at POS