CDS-KNRaj Library

Updates from K.N. Raj Library, CDS, Thiruvananthapuram

Persistence of Informal Credit in Rural India: Evidence from‘All-India Debt and Investment Survey’ and Beyond

by narayan Chandra Pradhan Reserve Bank of India Working Paper no, WPS(DEPR):05/2013,April 2013 Rural credit markets in India is characterised by the coexistence of both formal and informal sources of finance and the market is fragmented. To discuss the informal rural credit issue and to maintain consistency with All India Debt and Investment Survey (AIDIS) [...]

Credit constraints, productivity shocks and consumption volatility in emerging economies

by Rudrani Bhattacharya and Ila Patnaik NIPFP Working Paper o.121, March 2013 How does access to credit impact consumption volatility? Theory and evidence from advanced economies suggests that greater household access to nance smooths consumption. Evidence from emerging markets, where consumption is usually more volatile than income, indicates that nancial reform further increases the volatility [...]

Agricultural Credit – Accomplishments and Challenges

by Duvvuri Subbarao (Speech delivered by Dr. Duvvuri Subbarao, Governor, Reserve Bank of India, at the thirty years anniversary celebration of NABARD at Mumbai on July 12, 2012 ) Starting from Pandit Nehru’s exhortation soon after independence that ‘everything else can wait, but not agriculture’, agricultural growth has all along been central to India’s efforts [...]

QUARTERLY STATISTICS ON DEPOSITS AND CREDIT OF SCHEDULED COMMERCIAL BANKS

Published by Reserve Bank of India, June 2012 HIGHLIGHTS “Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks- December 2011” provides data on aggregate deposits and gross bank credit of Scheduled Commercial Banks as on Last Friday of December 2011 (December 30, 2011). The branch-wise data are received from All Scheduled Commercial Banks (including [...]

Discussion Paper on Introduction of Dynamic Loan Loss Provisioning Framework for Banks in India

Published by Reserve Bank of India, March 30, 2012 Provisioning for loan losses refers to the mechanism used to recognise credit impairments. Provisioning is a critical component to effective financial reporting and prudential supervision. Provisions for loan losses reduce an institution’s reported net income in the period in which the provision is recognized. Provisions against [...]

Do changes in distance-to-default anticipate changes in thecredit rating?

by Nidhi Aggarwal; Manish Singh and Susan Thomas IGIDR WP-2012-10, March 2012 Distance-to-default (DtD) from the Merton model has been used in the credit risk literature, most successfully as an input into reduced form models for forecasting default. In this paper, we suggest that the change in the DtD is informative for predicting change in [...]

Journal of Finance, Volume 67, Issue 1, February 2012

ARTICLES 1)      The Power of Voice: Managerial Affective States and Future Firm Performance WILLIAM J. MAYEW and MOHAN VENKATACHALAM 2)      Political Uncertainty and Corporate Investment Cycles BRANDON JULIO and YOUNGSUK YOOK 3)      The Credit Ratings Game PATRICK BOLTON, XAVIER FREIXAS and JOEL SHAPIRO 4)      Tiebreaker: Certification and Multiple Credit Ratings DION BONGAERTS, K. J. MARTIJN [...]

Striking a Balance: Credit Penetration and NPA Management –Role of Information Sharing

by Anand Sinha (Address by Shri. Anand Sinha, Deputy Governor, Reserve Bank of India at the fourth Annual Credit Information Conference on March 7, 2012 at Mumbai) Banking is a risky business. Banks, or more generally the credit institutions, in their role as intermediaries take upon themselves significant credit risks, while interposing between lenders (depositors) [...]

Quarterly Statistics on Deposits and Credit of Scheduled Commercial Banks: June 2011

Published by Reserve Bank of India, 13 Jan 2012 The publication contains data relating to deposits and credit of scheduled commercial banks including regional rural banks (RRBs) as on June 24, 2011. The data are based on Basic Statistical Return (BSR)-7 received from all scheduled commercial banks (including RRBs. URL: http://rbidocs.rbi.org.in/rdocs/Publications/PDFs/00QST0112FL.pdf Courtesy: RBI

Credit and Growth Cycles in India: An Empirical Assessment of the Lead and Lag Behaviour

by Krittika Banerjee RBI WPS (DEPR): 22/2011, December 2011 Procyclicality in the flow of credit has been a factor underpinning the magnified amplitudes of boom and bust phases of the business cycle, particularly in bank dominated financial systems. This paper studies the leadlag pattern in the interaction between credit and growth cycles of India at [...]

Credit Channel of Monetary Transmission in India – How Effective and Long is the Lag?

by Jeevan Kumar Khundrakpam RBI WPS (DEPR):20/2011 This paper examined the operation of credit channel of monetary policy rate transmission in India during the post-LAF period of 2001:3 to 2011:3. Drawing on the literature, two reduced form equations, one representing nominal bank credit and the other real bank credit was estimated. The regression estimates were [...]

Does microfinance move the households toward self employment?

Abdul Khaleque Date: July-2011 The present study is based on 5208 observations, which is comprised of participant households of microcredit programs, non-participant households of program villages as well as non-participant households from control villages. We found that among the participant households 37% depend on wage as well as self employment activity and 20% is solely [...]

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