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Author: Mahua Majumdar
Publisher:
ISBN: 9788187445418
Category : Banks and banking
Languages : en
Pages : 170
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Book Description
Author: Mahua Majumdar
Publisher:
ISBN: 9788187445418
Category : Banks and banking
Languages : en
Pages : 170
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Book Description
Author: T. T. Ram Mohan
Publisher: Psychology Press
ISBN: 9780415331913
Category : Business & Economics
Languages : en
Pages : 248
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Book Description
This book provides a balanced evaluation of the process of deregulation and privatisation within the overall context of economic reform in India.
Author: Keshava Ranju
Publisher:
ISBN:
Category :
Languages : en
Pages : 3
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Book Description
Privatization is transfer of ownership from the public to the private sector as well as the control over assets. In broader terms, it involves greater influence on demand and supply force, make sure that there is higher competition, it brings greater involvement in government activities. It brings liberalization in different regulations to release forces of competition and to implement demand and supply forces into the economy. Privatization is contemplate to bring up competition, making sure greater capital investment, competitiveness and modernization, resulting in development of employment and providing improved quality of products and services to the consumers and reduction in the tax burden. As part of improvement process in the financial services sector, in January 1993 RBI issued certain guidelines for getting license of new banks in the private sector. It has been revised after 8 years in January 2001. Some of the important conditions in the private sector as per revised guidelines by the RBI are Paid Up Capital, Promoters Contribution, Foreign Investment etc. The study involves the benefits how the number of branches increased after privatization, increase of credit facilities for agriculture and increase of job opportunities, and adverse impacts of privatization on Indian Banking like high interest rates, less job securities, interference of politician and Industrialist, less control of government over private banks, private sector use private recovering agents to recover bad loans these agencies uses wrong means to recover loans from people.
Author: Sunil Kumar
Publisher: Springer Science & Business Media
ISBN: 8132215451
Category : Business & Economics
Languages : en
Pages : 340
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Book Description
The goal of this book is to assess the efficacy of India’s financial deregulation programme by analyzing the developments in cost efficiency and total factor productivity growth across different ownership types and size classes in the banking sector over the post-deregulation years. The work also gauges the impact of inclusion or exclusion of a proxy for non-traditional activities on the cost efficiency estimates for Indian banks, and ranking of distinct ownership groups. It also investigates the hitherto neglected aspect of the nature of returns-to-scale in the Indian banking industry. In addition, the work explores the key bank-specific factors that explain the inter-bank variations in efficiency and productivity growth. Overall, the empirical results of this work allow us to ascertain whether the gradualist approach to reforming the banking system in a developing economy like India has yielded the most significant policy goal of achieving efficiency and productivity gains. The authors believe that the findings of this book could give useful policy directions and suggestions to other developing economies that have embarked on a deregulation path or are contemplating doing so.
Author: R. K. Uppal
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 296
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Book Description
ABOUT THE BOOK Banking sector reforms in India are aimed at induction of best international practices and technological changes for competing globally. The Reserve Bank of India (RBI) has time and again emphasised transparency, diversification of ownership and strong corporate governance to mitigate the prospects of systemic risks in the banking sector. Banking sector reforms have supported the transition of the Indian economy to a higher growth path, while significantly improving the stability of the financial system. In comparison with the pre-reform period, the Indian banking system today is more stable and efficient. However, the gains of the past decade need to be consolidated, so that these could be translated to drive the institutions, markets and practices into a mature financial system that can meet the challenges of globalisation. The banking system would, therefore, not only need to be stable, but also supportive of still higher levels of planned investments by channelling financial resources more efficiently from surplus to deficit sectors. Competitive pressures as well as prudential regulatory requirements have made banks risk-averse as reflected in their tendency to investment in relatively risk-free gilt instruments. The behaviour and strategies of banking business need changes in favour of risk-taking even while performing core activities. Also, there is a need to ensure long-term finance to support development and growth in the economy, even as restructuring takes place through mergers and universal banking. The present book addresses issues like Basel ? II Accord guidelines, second generation banking sector reforms, cost-benefit and productivity analysis of Indian banks, danger zone banks, privatisation and comparative efficiency of Indian banks and the recent reform measures. Vital statistics regarding the Indian banking sector and the recent Annual Policy Statement, 2008-09 of the RBI has also been discussed. About the author Dr. R.K. Uppal did his M.A. in economics from Punjabi University, Patiala in 1986. Thereafter, he obtained M.Phil. degree from MDU, Rohtak in 1987 and Ph.D. degree from Punjabi University, Patiala in 2003. Specialising in banking and finance, Dr. Uppal has 11 books to his credit and has published 40 research papers on the subject in reputed national and international journals. He has also presented more than 35 research papers in national and international conferences in Hawaii, Indonesia, Finland, Costa Rica, Australia, London and the UK. Presently, he is head of the Department of Economics, DAV College, Malout, Punjab and Principal Investigator of a UGC-financed research project on Indian banking. He is also Director of an ICSSR sponsored major research project on Indian banking.
Author: Mrs.Poonam Gupta
Publisher: International Monetary Fund
ISBN: 1455218928
Category : Business & Economics
Languages : en
Pages : 46
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Book Description
Do financial sector reforms necessarily result in expansion of credit to the private sector? How does bank ownership affect the availability of credit to the private sector? Empirical evidence is somewhat mixed on these issues. We use the Indian experience with liberalization of the financial sector to inform this debate. Using bank-level data from 1991-2007, we ask whether public and private banks deployed resources freed up by reduced state preemption to increase credit to the private sector. We find that even after liberalization, public banks allocated a larger share of their assets to government securities than did private banks. Crucially, we also find that public banks were more responsive in allocating relatively more resources to finance the fiscal deficit even during periods when state pre-emption (measured in terms of the requirement to hold government securities as a share of assets) formally declined. These findings suggest that in developing countries, where alternative channels of financing may be limited, government ownership of banks, combined with high fiscal deficits, may limit the gains from financial liberalization.
Author: Gerard Caprio
Publisher: Rowman & Littlefield
ISBN: 0815717067
Category : Business & Economics
Languages : en
Pages : 396
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Book Description
Research suggests that if the majority of a country's financial institutions are owned by the state, that country will experience slower financial development, less efficient financial systems, less private sector credit, and slower GDP growth. Yet more than 40 percent of the world's population live in countries in which public sector institutions dominate the banking system. In The Role of State-Owned Financial Institutions: Policy and Practice noted experts discuss the challenges presented by state-owned financial institutions and offer cross-disciplinary solutions for policymakers and banking regulators. The issues include: methods for effectively managing, reforming, and privatizing state-owned banks; the fiscal costs and contingent liabilities of state-owned banks; macroeconomic implications and the impact of state-owned banking on access to credit in an economy; guidance for effective supervision of state-owned banks; managerial perspectives on improving products, human resources, and risk; management case studies of different methods of privatization, such as initial public offerings, employee stock ownership plans, and strategic investors Contributors include David Binns (Beyster Institute), Robert Cull (World Bank), Ron Gilbert (ESOP Services), James A. Hanson (World Bank), Richard Hemming (International Monetary Fund), Fred Huibers (ING Research), Arminio Fraga (formerly Central Bank of Brazil), Nicholas Lardy (Institute for International Economics), David Marston (International Monetary Fund), Moody's Global Investor Service, Herman Mulder (ABN-Amro), William Nichol (Deutsche Bank AG), Urjit Patel (Infrastructure Development Finance Company, India), and P. S. Srinivas (World Bank).
Author: John R. Nellis
Publisher: World Bank Publications
ISBN: 9780821321812
Category : Business & Economics
Languages : en
Pages : 100
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Book Description
Governance, as defined by the World Bank in its 1992 report, Governance and Development, is the manner in which power is exercised in the management of a country's economic and social resources for development. The report deemed it is within the Bank's mandate to focus on the following: -the process by which authority is exercised in the management of a country's economic and social resources -the capacity of governments to design, formulate, and implement policies and discharge functions. Also available: Governance: The World Bank's Experience (ISBN 0-8213-2804-2) Stock No. 12804.
Author: Poonam Gupta
Publisher:
ISBN:
Category :
Languages : en
Pages : 0
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Book Description
Author: Tae Hwan Yoo
Publisher: KIEP
ISBN:
Category : Banking law
Languages : en
Pages : 68
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Book Description
