Subjects

Banking and Financial Sector Reforms in India

Asha Singh, M.S. Gupta and T.K. Shandilya, Serials, 2010, xx, 400 p, tables, ISBN : 8183873611, $60.00 (Includes free airmail shipping)

Banking and Financial Sector Reforms in IndiaContents: Preface. 1. Banking sector reforms in India and the challenges ahead/Asha Singh. 2. Banking sector reforms and RTGS mechanism/M.S. Gupta. 3. Banking sector reforms in India: progress, impact and tasks ahead/Tapan Kumar Shandilya. 4. Banking sector reforms and financial performance: the Indian experience/Zafar A. Sultan. 5. Indian banking sector reforms: an appraisal/Md. Reyazuddin. 6. Impact of banking sector reforms on productivity and efficiency of banking in India/Priti Kashyap. 7. Banking sector reforms in India: challenges ahead/Anju Jain. 8. Banking sector reforms: a decade/Pushpa Sinha and Ratna Mitra. 9. Deposit mobilisation by commercial banks in Bihar under reforms/Naqui Mohammad and Syed Eqbal Afzal. 10. Banking sector reforms and micro-finance: a study in context of self help groups/Kumari Veena. 11. Banking sector reforms in India - progress, efficacy and future agenda/Nagendra Kumar Jha. 12. Impact and future agenda of banking and financial sector reforms in India/Kamini Jha. 13. Banking sector reforms in India - an overview/S.K. Khandelia. 14. Impact of globalisation on banking reforms in India with special reference to use of ATM/Bipin Kumar. 15. Structural issues of banking sector in India with reference to EFT system/Meera Ranjan Lal. 16. Technological innovations in public sector banks in India/Reeta Kumari. 17. The NPA overhand - magnitudes, solutions and legal reforms/Rashmi Akhoury. 18. FSRs and investment scenario in India: emerging trends/Mahesh Chandra Prasad. 19. Emerging dimensions of financial innovations in Indian banking sector/M.M. Nazri and Md Imteyaz Hasan. 20. Commercial banks and agricultural credit with reference to Bihar/Bhagwan Prasad Singh. 21. Evolution of financial sector reforms and credit markets in India/Arjun Kondamani. 22. Fiscal reforms, plan erosion and crisis in foodgrains production: a case study for strengthening planning in India/Indradeo Sharma and Renu Sinha. 23. Financial sector reforms and financial viability of regional rural banks in India/Bipul Vikash. Index.
"Banking system in the country is undergoing momentous change. It is gearing up itself to meet the global competitiveness. Indian banking sector comprises of an impressive network of banks, committed to planned economic development within the framework of a mixed economy under a federal political setup. Significant developments have taken place in Indian banking in the post independence period and especially since the beginning of the reform process in the country.
In modern economy, bankers are to be considered not merely as dealers in money but more realistically the leaders in development. Banks are not just the store house of the country's wealth but are reservoirs of resources necessary for economic development. In the perspective of the history of economic development of developed countries, banking was necessary for development. The new philosophy, at least in our country, regards banking really a a trinity, pre-requisite, requisite and concomitant all taken together. Banking as a tool for development is multi-purpose tool and depending upon the value system of the society, its uses are capable of wide variations. Economic development of developed as well as underdeveloped countries is based on the process of investment. The banking structure provides simple intermediation in the process of investment. Banks encourage investment and thereby help capital formation. Banks can stimulate capital formation and promote productivity and trade by providing credit and a more generous supply of money in the form of bank notes deposits. Banks are the purveyors of money and credit to the factors of production and they help in the acceleration of growth. Banking, when properly organized aids and facilitates the growth of trade and industry and hence of the national economy. Today banks are instruments of economic change to maximize social good.
Economic reforms launched by the Government of India since 1991 are designed to accelerate the overall growth and help India realize its full productive potential. The rapid growth requires a sustained effect at mobilizing  savings and resources and deploying these in ways which encourage efficient production. For this, reforms in the financial sector, particularly in the banking system, that has the prime responsibility of mobilizing and allocating financial resources, is a pre-requisite.
The proposed book encompasses all aspects of reforms introduced in the banking and financial sector in India and deals with the problems faced by the banking and financial institutions in view of the reform process. Research papers presented by various authors have focused on identifying the main problems arising out of the changed scenario and provided solutions to overcome the lapses incurred during the transition phase." (jacket)
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