Thursday, December 08, 2016

કાળું નાણું આ રીતે પણ બહાર લાવી શકાય

નોટબંધીનાં ત્રણ અઠવાડિયાં પછી સામાન્ય માણસની જિંદગીમાં તકલીફો, આર્થિક ગતિવિધિઓમાં સુસ્તી અને અનેક ક્ષેત્રોમાં નોકરીઓ જવાના સમાચારો આવવા લાગ્યા છે. આગામી  બે ત્રિમાસિક ગાળામાં અર્થતંત્ર બે ટકા જેટલું સંકોચાશે - રાષ્ટ્રીય સંપત્તિનું આ ખૂબ મોટું નુકસાન છે, પરંતુ હવે પીછેહઠ કરવાની કોઈ ગુંજાશ નથી. ચાલો, જોઈએ કે નરેન્દ્ર મોદી નોટનાબૂદી સિવાય કેવી રીતે કાળાં નાણાંવાળાના ભ્રષ્ટાચારના સ્રોત નાબૂદી કરી શકે છે.
તરલતા જ મૂળ આધાર છે : નવા ચલણ માટે માત્ર આપણા જ પ્રિન્ટિંગ પ્રેસ પર નિર્ભર ન રહો. મિત્રદેશોનાં કરન્સી પ્રેસની મદદ લો. તેમનું સુરક્ષાસ્તર આપણા કરતાં સારું છે, પ્રેસ વધારે ઝડપથી ચાલે છે. વિમાન દ્વારા નોટ મોકલીને બૅન્કોમાં રોકડની ભરતી લાવી શકાય છે. વિકલ્પ તરીકે  સ્વિત્ઝરલૅન્ડ અને અમેરિકાનાં પ્રેસ જ છે. ભારતીય પ્રિન્ટિંગ પ્રેસને તમામ નોટ બદલવા માટે જરૂરી કરન્સી આપવામાં છ મહિના લાગી જશે. જો વિદેશી સરકાર પાસેથી નોટ છપાવવામાં આવે, તો મુશ્કેલી એક અઠવાડિયામાં ઉકેલાઈ જશે. ભૂતકાળમાં પણ વિદેશી નોટ પ્રેસ ભારતીય ચલણ છાપી ચૂક્યાં છે. વાસ્તવિક મુશ્કેલી લાંબી કતારોમાં કલાકો સુધી ઊભા રહેવાની નથી, પરંતુ એ છે કે તમામ ક્ષેત્રે વેપાર ઠપ થઈ ગયો છે.
આવક જાહેર કરવાની યોજનાની મર્યાદા વધારો : એ ખરું કે માફીની હમણાંની યોજનાને નજીવી સફળતા જ મળી, પરંતુ હવે દંડો ઉગામ્યા પછી થોડી રાહત વધારે સારું પરિણામ અપાવી શકે છે. નોટબંધીએ નવા પ્રકારના દલાલોને જન્મ આપ્યો છે, જેઓ જૂની નોટો 30થી 40 ટકા વળતર પર બદલી રહ્યા છે. જોકે, સરકાર કાળાં નાણાંની સામે બેનામી જમીનોની તપાસ જેવા અને વધારે કડક પગલાં લેવાની ચીમકી આપે છે, ત્યારે લોકોનો ઝોક કોઈ નવા બ્રોકર દ્વારા જૂનાં કાળાં નાણાંને નવાં કાળાં નાણાંમાં બદલવાને બદલે યોજનાના માધ્યમથી કાળાં નાણાંને ધોળાં કરવા તરફી જ રહેશે. 50 ટકાનો દર બરાબર છે.
અમુક લોકો પોતાનાં કાળાં નાણાંને ‘વર્તમાન આવક’ના રૂપમાં જાહેર કરીને કાયદેસર રીતે 35 ટકા ટેક્સ આપવાનો વિકલ્પ પણ પસંદ કરી શકે છે, પરંતુ તેને આવકાર મળવો જોઈએ. બીજો એક વિકલ્પ ઓછો લાભ અપાવનારા લાંબા ગાળાના બૉન્ડ ખરીદવાનો પણ છે, જે કાળાં નાણાંને ધોળું કરી આપશે. સરકારને સસ્તામાં પૈસા મેળવવાનો ફાયદો મળશે. તેનો ઉદ્દેશ રોજગારી સર્જનારા વર્ગના સૌથી ઉત્પાદક જૂથનો ડર ઓછો કરવાનો હોવો જોઈએ. તેમને ખલનાયક ન બનાવો, કારણ કે આ ધર્મયુદ્ધ નથી. જૂની ટેવો બદલવાનો મૂળ હેતુ છે.
હેરાનગતિ નાબૂદ કરો : કાયદાનું પાલન કરનાર નાગરિકોને જો ભરોસો બેસી જાય કે આવકવેરા અધિકારી તેમની સાથે સન્માનજનક વ્યવહાર કરે, તો તેઓ રાજીખુશીથી ટૅક્સ ભરપાઈ કરશે. લોકોને એ જણાવવાની જરૂર છે કે તેઓ ટૅક્સ રિટર્ન ઓનલાઇન ભરી શકે છે, ટૅક્સ ઓનલાઇન ભરી શકે છે અને ઓનલાઇન જ રિફંડ પણ મેળવી શકે છે. મારા પાડોશીએ પોતાનું રિટર્ન ઑક્ટોબરમાં ભર્યું અને નવેમ્બરમાં તેમને રિફંડ મળી ગયું. મોદીએ આ મુદ્દે અભિયાન ચલાવવું જોઈએ, જેથી લોકોને આશ્વાસન આપી શકાય. જો કોઈ ટૅક્સ અધિકારી કરદાતાને પરેશાન કરતો ઝડપાય, તો તેને કડક શિક્ષા થવી જોઈએ.
કાળાં નાણાંનો સદુપયોગ કરો : અનેક પૈસાદાર લોકો જૂની નોટો પકડાવાના ડરથી જૂની નોટો નહીં બદલે. સરકારે આ મોંઘવારી વધારનારાં નાણાં - અંદાજિત ત્રણ લાખ કરોડ રૂપિયા - માર્ગનિર્માણ, સિંચાઈ અને ઓછી આવકવાળા મકાનો બાંધવામાં ખર્ચવાં જોઈએ. જેથી મોટા પાયે રોજગારી ઊભી થાય અને નોટબંધીમાં ગુમાવેલી નોકરીઓનું સાટું વાળી શકાય. બીજો એક વિકલ્પ બધાં જન-ધન ખાતામાં 10 હજાર રૂપિયાની રકમ જમા કરવાનો છે. તેમાં 2.50 લાખ કરોડ ખર્ચાશે. ત્યાર પછી પણ મૂળભૂત જરૂરિયાતો પર ખર્ચવા માટે 50 હજાર કરોડ રૂપિયાની રકમ વધશે.
રિયલ એસ્ટેટ પર ફોકસ : નોટબંધીથી એ ભ્રષ્ટાચાર ખતમ નહીં થાય, જે કાળાં નાણાંનું નિર્માણ કરે છે. રિયલ એસ્ટેટમાં જમીન ખરીદવાથી મંજૂરી મળવા સુધીનું પ્રત્યેક પગલું ભ્રષ્ટાચારના કીચડમાં ખૂંપેલું છે. કાળું નાણું હદ ઉપરાંતની સ્ટેમ્પ ડ્યૂટીનું પણ પરિણામ છે. આ જ કારણ છે કે વિજય કેલકરે સ્ટેમ્પ ડ્યૂટીને જીએસટીમાં ભેળવી દેવાની ભલામણ કરી છે. આપણે તર્કપૂર્ણ કરવેરા અને જમીન ના ચોખ્ખા સોદા માટે સંઘર્ષ કરવો જોઈએ.
સોના પરની કસ્ટમ ડ્યૂટી પાછી લો : 1991 પછી આયાત પરના અંકુશો દૂર થવાથી સોનાની દાણચોરી ઘટી ગઈ. સોનાનાં ઘરેણાંમાં ચોખ્ખો વ્યવસાય ફૂલ્યો-ફાલ્યો. 2013માં જ્યારે સોનાની આયાત પર ફરીથી કર લાગુ કરાયો, ત્યારથી તેને ધક્કો લાગ્યો. રોકડમાં ચૂકવણું સામાન્ય બની ગયું, કારણ કે તસ્કરીનું સોનું સસ્તું હતું.
કાયદેસરના ચૂંટણીફંડ પરના મૂર્ખામીભર્યા પ્રતિબંધોમાં સુધારો કરો : આનાથી ચૂંટણીમાં કાળાં નાણાંનો ઉપયોગ થવા લાગ્યો છે. હું રાજકીય પક્ષોને સરકાર તરફથી નાણાં આપવાની વિરુદ્ધમાં છું. આનાથી મારી કમાણીમાંથી ભરપાઈ કરેલા ટૅક્સનો ઉપયોગ એ ઉમેદવારો અને વંશપરંપરાવાળા પરિવારોને આપવામાં કરવામાં આવશે જેમને હું પસંદ નથી કરતો. આના કરતાં આપણે અમેરિકા અને યુરોપમાં પ્રચલિત કાનૂની નાણાંમાંથી ફંડિંગની પરંપરા અપનાવવી જોઈએ.
નોકરશાહીમાં સુધારો કરો : કાળું નાણું સત્તાકીય વિવેકાધિકારથી પેદા થાય છે. સિવિલ સેવાઓમાં સુધારાની શરૂઆતનો સૌથી સારો રસ્તો જસ્ટિસ શ્રીકૃષ્ણનો ઇન્ડિયન ફાઇનાન્શિયલ કોડ લાગુ કરવાનો છે.
કાળાં નાણાંને સંપૂર્ણપણે સમાપ્ત કરવાના પ્રયત્ન ન કરો : લોકોએ કાયદો તોડવો તો ન જોઈએ, પરંતુ નાનાં-મોટાં ઉલ્લંઘનો સામે આંખ આડા કાન કરવા જોઈએ, જેવી રીતે આપણે લાલબત્તી વખતે રસ્તો ઓળંગતા રાહદારીઓ પ્રત્યે દુર્લક્ષ સેવીએ છીએ. રોકડ ચૂકવણાંથી વ્યવસ્થાને તેલ-પાણી મળે છે અને એ સુગમતાથી ચાલે છે. જ્યારે રોકડવિહીન સમાજ પર સરકાર. વધારે ધ્યાન રાખવું પડશે અને સ્વતંત્રતાની મર્યાદા ઘટશે. નોટબંધીથી આદતો ખૂબ ઝડપથી બદલાઈ રહી છે અને વેપારીઓ તથા વ્યવસાય ચેક, ડેબિટ કાર્ડ અને મોબાઇલ વૉલેટથી ટેવાઈ રહ્યા છે, પરંતુ રોકડની જરૂર તો હંમેશાં રહેવાની જ. ધ્યાન રાખો કે બધી રોકડ કાળી નથી હોતી.
સામાન્ય નાગરિકની નોટોને હાથ ન લગાડો : આવતી વખતે તમારે નોટબંધી કરવી હોય, તો બજારને પહેલાં 5,000 અને 10,000ની નોટોથી છલકાવી દેજો. જ્યારે કાળું નાણું આ મોટી નોટોમાં આવી જાય, તો માત્ર એ નોટોને નાબૂદ કરી નાખજો. સામાન્ય માણસને મુક્તિ આપો.

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