yojana magazine January 2018 pdf download hindi & English – Yojana magazine January 2018 PDF download | English | Hindi ,Yojana Magazine January 2018 Download pdf, .

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yojana magazine January 2018 pdf download hindi & English

yojana magazine January 2018 pdf download hindi & English

Month – January 2018 yojana magazine 

Magazine – Yojana Magazine

Language – English .

Theme – Banking Sector Reforms: Ensuring Regulation

Yojana Magazine January 2018 Important High light :-

  • Banking sector reforms : ensuring regulation
  • Protagonist to economic transformation
  • Managing known performance assets- a Paradigm shift

Special article on –

  • Bank recapitalization: enhancing capital base
  • Facilitating financial inclusion
  • Banker to banks
Main focus-
  • Resolving insolvency
  • Straightening of cyber security
  • Rural banking translating vision to reality
  • Mission Indradhanush revamping of public sector banking in India
  • India’s credit rating boost to investors sentiment
  • Big data analysis in banking industry

History of Banking reforms in India:

  • In 1969, the government nationalised banks with deposits greater than Rs. 50 Cr.
  • In 1980, the government again nationalised some more banks with country wide deposits more than 200Cr.
  • In 1991, the government of India liberalized the economy.
  • The committee on Financial systems, chaired by Mr. M. Narasimham in 1991, recommended to reduce the Statutory Liquidity Ratio (SLR), and Cash Reserve Ratio (CRR) to free up bank resources, relying on market forces to determine interest rates, making it easier for private and foreign banks to enter to enhance competition and reducing substantially the number of Public Sector Banks (PSBs).
  • In 1998, the committee on banking reforms, also chaired by Mr. Narsimham recommended a further set of measures to strengthen the banking sector. The committee reviewed progress in existing measures and proposed further measures related to legislation, Capital Adequacy and Bank Mergers. The committee also recommended steps relating to greater technology use, skills training and professional management of banks.
  • Many of reforms since 1991, improved the performance and strength of India’s banking sector. Such as the amount of credit extended by the banking system as a share of GDP increased from 51.5% in 1990 to 53.4% in 2000.
  • In 2000, the committee on Financial Sector Reforms included recommendations on Macroeconomic and regulatory frameworks for India, financial inclusion and domestic financial development.
  • In 2014, P.J Nayak committee was constituted to Review Governance of Boards of Banks. It recommended on enhancing the government and management of public sector banks.

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