英语毕业论文:印度银行业的历史 [3]
论文作者:英语论文论文属性:本科毕业论文 Thesis登出时间:2014-09-09编辑:zcm84984点击率:16698
论文字数:6765论文编号:org201409082147222945语种:英语 English地区:印度价格:免费论文
关键词:印度银行业银行机构商业银行banking essay银行历史
摘要:本文系统的描述了印度各个商业银行的发展历史,十分具有参考价值,各商业银行的作用不限于普通银行业务,也包括:发行纸币,可以通过电汇,电子转帐处理,互联网银行或者其他手段支付。
ol of promotions and giving great utility to its customers. For example SMS functions through simple text messages sent from your mobile. The messages are then recognized by the bank to provide you with the required information. All these technological changes have forced the bankers adopt customer-based approach instead of product-based approach.
ECONOMICAL ENVIROMENT
Banking is as old as authentic history and the modern commercial banking are traceable to ancient times. In India, banking has existed in one form or the other from time to time. The present era in banking may be taken to have commenced with establishment of bank of Bengal in 1809 under the government charter and with government participation in share capital. Allahabad bank was started in the year 1865 and Punjab national bank in 1895, and thus, others followed Every year RBI declares its 6 monthly policy and accordingly the various measures and rates are implemented which has an impact on the banking sector. Also the Union budget affects the banking sector to boost the economy by giving certain concessions or facilities. If in the Budget
savings are encouraged, then more deposits will be attracted towards the banks and in turn they can lend more money to the agricultural sector and industrial sector,
therefore,booming the economy If the FDI limits are relaxed, then more FDI are brought in India through banking channels.
POLITICAL/ LEGAL ENVIROMENT
Government and RBI policies 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's votes. By doing so the profits 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.
SOCIAL ENVIROMENT
Before nationalization of the banks, their control was in the hands of the private parties and only big business houses and the effluent sections of the society were getting benefits of banking in India. In 1969 government nationalized 14 banks. To adopt the social development in the banking sector it was necessary for speedy economic progress, consistent with social justice, in democratic political system, which is free from domination of law, and in which opportunities are open to all. Accordingly, keeping in mind both the national and social objectives,bankers were given direction to help economically weaker section of the society and also provide need-based finance to all the sectors of the economy with flexible and liberal attitude. Now the banks provide various types of loans to farmers, working women, professionals, and traders.They also provide
Education loan to the students and housing loans, consumer loans, etc.Banks having big clients or big companies have to provide services like personalized banking to their clients because these customers do not believe in running about and waiting in queues for getting their work done. The bankers also have to provide these customers with special provisions and at times with benefits like food and parties. But the banks do not mind incurring
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