The main aim of this study is to analyse the guidelines under which RBI regulates Co-operative banks and how will impact co-operative banking industry in India. The data collected is secondary and through RBI website & other government sites This paper focuses of the issue of PMC Bank and also why Co- operative banks were not under RBI regulation earlier. Through this paper, we have tried to analyse that how this amendment will af ect their ownership structure & also their corporate governance strategy. In this paper we have covered the industry sizing i.e., how many co-operative banks are there, what’s their total asset size & what’s the composition of their balance sheet. This amendment will validate a merger and restructuring of banks in public interest, without having to mandate a respite, which not only restrain depositors from withdrawing, but also obstruct the bank’s lending operation. Government of India has recently released these guidelines i.e., in the year 2020 that co-operative banks regulatory framework will come under Reserve Bank of India by amending the seven decades old Banking Regulation Act.
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