英国论文:银行业金融保险 [3]
论文作者:英语论文论文属性:作业 Assignment登出时间:2014-09-15编辑:zcm84984点击率:14382
论文字数:5253论文编号:org201409082137126901语种:中文 Chinese地区:英国价格:免费论文
关键词:国有商业银行银行业金融保险印度银行业印度金融分析
摘要:本文是留学生银行保险业论文,银行开创金融保险业最早出现在十八世纪,一八零六年六月印度国家银行应运而生,它是现存的最古老的印度银行,印度国家银行是归政府所有的银行,同时也是全国最大的商业银行。
blic sector banks in India
All government owned banks fall in this variety. Besides the Reserve Bank of India, the State Bank of India and its associate banks and about 20 nationalized banks, all comprises of the public sector banks. Many of the regional rural banks that are funded by the government banks can also be clubbed in this genre.
Private sector banks in India
A new wave in the banking industry came about with the private sector banks in India. With policies on liberalization being generously taken up, these private banks were established in the country that also contributed heavily towards the growth of the economy and also offering numerous services to its customers. Some of the most popular banks in this genre are: Axis Bank, Bank of Rajasthan, Catholic Syrian Bank, Federal Bank, HDFC Bank, ICICI Bank, ING Vysya Bank, Kotak Mahindra Bank and SBI Commercial and International Bank. The Foreign Banks in India like HSBC, Citibank, and Standard Chartered bank etc can also be clubbed here.
Cooperative banks in India
With the aim to specifically cater to the rural population, the cooperative banks in India were set up through the country. Issues like agricultural credit and the likes are taken care of by these banks.
REFORM IN THE BANKING SYSTEM
India In 1991, the Indian economy went through a process of economic liberalization. Recognizing that the success of economic reforms was contingent on the success of financial sector reform as well, the government initiated a fundamental banking sector reform package in 1992. The banking reform package was based on the recommendations proposed by the Narsimhan Committee Report (1992) that advocated a move to a more market oriented banking system, which would operate in an environment of prudential regulation and transparent accounting. One of the primary motives behind this drive was to introduce an element of market discipline into the regulatory process that would reinforce the supervisory effort of the Reserve Bank of India (RBI). This was particularly critical since market discipline, especially in the financial liberalization phase, reinforces regulatory and supervisory efforts and provides a strong incentive to banks to conduct their business in a prudent and efficient manner and to maintain adequate capital as a cushion against risk exposures.
PEST ANALYSIS
POLITICAL FACTOR
Regulatory framework
deregulation of the market
monetary policy
check clearing for the 21st century act
fair and accurate credit transactions act of 2003
Indian government and Reserve Bank and indis affect the banking sector . sometimes looking into the political advantage of a particular party the government declares some measures to their benefits like waiver of short term agricultural loans to attract the farmer vote , by using so the profit of the bank get affected , various banks in the cooperative sector are open and run by the politicians they exploit these banks for their benefits . sometimes the government appoints various chairmen of the banks . various policies are framed by the RBI looking at the present situation of the country for better control over the banks...
ECONOMICAL FACTOR
Economic role of banks
Changes in interest rates
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