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Reviving the Lending Appetite of Banks

Vol. 56, Issue No. 52, 25 Dec, 2021
K Srinivasa Rao

The flow of bank credit is crucial to revive the economy. The fear of potential asset quality woes has reduced the risk appetite of banks. Going beyond the restructuring support, banks need policy support by relaxations in prudential norms in the near term to be normalised in the next four–fi ve years. Coping with the adversities of the pandemic needs a collaborative policy support of all stakeholders to step up the lending appetite.

Concentration, Collusion and Corruption in India’s Banks

Vol. 51, Issue No. 29, 16 Jul, 2016
Sumit K Majumdar

Why would companies, for whom costs rise with higher interest rates, choose to amass credit as interest rates rise? Were more and more loans taken with the understanding that default would be inevitable? Only a commission of inquiry with a specifi c mandate to understand the years of loose lending by banks in India can answer these and other uncomfortable questions. These answers are needed in the interest of securing our economy, and indeed our democracy.

Not in People's Interest

Vol. 51, Issue No. 28, 09 Jul, 2016
Sugata Marjit

The politics and economics of interest rate formation in this country must be studied carefully. Lowering the interest rate raises stock prices in an environment where they themselves cannot move up thanks to the fundamentals of the economy that are not conducive.

Financial Sector Reforms

Vol. 51, Issue No. 20, 14 May, 2016
K Kanagasabapathy

Unified Financial Code: Is India Ready? A Critique on the Financial Sector Legislative Reforms Commission Report by S S Tarapore; Gurgaon: LexisNexis, 2015; pp xii+166, ₹295.

Delinking Housing Cycles, Banking Crises, and Recession

Vol. 51, Issue No. 15, 09 Apr, 2016
Avinash Persaud

The nexus of housing boom-busts, banking crises, and economic cycles is not unique to the last crisis and has been increasingly present in each of the major banking crises since the break-up of Bretton Woods in the early 1970s. Housing is a politically charged issue. A safer housing market, via planned fiscal intervention to steady supply, would do more to make the financial system safer than all of the other recent initiatives put together. Cheaper finance without cheaper homes only deepens housing inequality.

Financial Reforms in an Endogenous Money Economy

Vol. 51, Issue No. 12, 19 Mar, 2016
Vineet Kohli

An examination of the Reserve Bank of India's monetary policy leaves little doubt that India can be suitably characterised as an endogenous money economy. In an endogenous money environment, financial reforms will prove ineffective in stimulating credit supply to large commercial borrowers. They may, however, prove counterproductive by sharpening the credit constraints faced by agricultural and other petty producers in the economy.

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