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Date : 04 Sep 2008
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Barth, James R., Gerard Caprio Jr., and Ross Levin. 2002. “Financial Regulation and Performance: Cross-country Evidence.” in Leonardo Hernández and Klaus Schmidt-Hebbel (eds.), Banking, Financial Integration, and International Crisis. 113-41. Central Bank of Chile. Santiago.

Batra, Geeta, Daniel Kaufmann and Andrew H. W. Stone. 2002. Voices of the Firms 2000: Investment Climate and the Governance Findings of the World Business Environment Survey. The World Bank Group. Beck, Thorsten, Asli Demirgüç-Kunt, and Vojislav Maksimovic. 2003. “Bank Competition, Financing Obstacles and Access to Credit.” Policy Research Working Paper, 2996. The World Bank. Beck, Thorsten, Asli Demirguc-Kunt. 2005. “Small and Medium-Size Enterprises: Overcoming Growth Constraints.” The World Bank Group. February.

Berger, A. N. and Gregory F. Udell. 1994. “Did Risk-Base Capital Allocate Bank Credit and Cause a ‘Credit Crunch’ in the United States?” Journal of Money, Credit and Banking, 26: 586-628. Berger, A. N., and W.S. Frame. 2005. “Small Business Credit Scoring and Credit Availability.” Federal Reserve Bank of Atlanta. Working Paper Series 10, May.

Bernanke, Ben S. and Cara S. Lown. 1991. ‘‘The Credit Crunch.” Brookings Papers on Economic Activity, 2: 205-46.

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Clark, T., A. Dick, B. Hirtle, K.J. Stiroh, and R. Williams. 2007. “The Role of Retail Banking in the U.S. Banking Industry: Risk, Return, and Industry Structure.” Federal Reserve Board New York. Economic Policy Review. December.

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Cottarelli, Carlo, Giovanni Dell’Ariccia, and Ivanna Valdkova-Hollar. 2003. “Early Birds, Late Risers, and Sleeping Beauties: Bank Credit Growth to the Private Sector in Central and Eastern Europe and the Balkans.” IMF Working Paper, wp/03/213.

Cull, Robert, E. Lance Davis, R. Naomi Lamoreaux and Jean-Laurent Rosenthal, 2005. “Historical Financing of Small and Medium-Sized Enterprises.” NBER Working Paper Series. October.

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Gawlick, Sonia. 2007. “Public-Private Partnerships : A Financier’s Perspective.” United Nations Eonomic and Social Commission for Asia and the Pacific (UNESCAP). UNO.

Ghosh, B., and P. De. 2004. “How do Different Categories of Infrastructure Affect Development? Evidence from Indian States,” Economic and Political Weekly, October 16, 4645-4657.

Ghosh, Saibal, D. M. Nachane, and Partha Ray. 2004. “ Behaviour of Bank Capital: Issues and Evidence from India.” Economic and Political Weekly. March.

Ghosh, Swati R., and Atish R. Ghosh. 1999. “East Asia in the Aftermath: Was There a Crunch?.” IMF Working Paper, wp/99/38.

Golait, Ramesh. 2007. “Current Issues in Agricultural Credit in India: An Assessment.” Reserve Bank of India Occasional Papers, 28(1), Summer.

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——. 2004. “Finance for Industrial Growth.” RBI Bulletin. March.

——. 2005. “Indian Economy in the Global Setting.” RBI Bulletin. October.

——. 2006. “Agricultural Credit in India: Status, Issues and Future Agenda.” Economic and Political Weekly. March.

——. 2008 . “Innovation and Growth: Role of the Financial Sector.” RBI Bulletin. April.

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Rao, K. S. Ramchandra, Abhiman Das, and Arvind Kumar Singh. 2006. “Commercial Bank Lending to Small Scale Industry.” Economic and Political Weekly. March.

Reddy, Y. V. 2005. “Banking Sector Reforms in India : An Overview.” RBI Bulletin. June.

——. 2006. “Reforming India’s Financial Sector. Changing Dimensions and Emerging Issues. RBI Bulletin. June.

Reserve Bank of India. 2004. Report of the Advisory Committee on Flow of Credit to Agriculture and Related Activities from the Banking System. June.

——. 2005. Report of the Internal Group to Review Guidelines on Credit Flow to SME Sector (Chairman: Shri. C. S. Murthy).

——. 2007a. “Developement of Financial Markets and Role of Central Bank.” Report on Currency and Finance.

——. 2007b. Report on Trend and Progress of Banking in India.

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World Bank. 2008. Finance for All ?, Policies and Pitfalls in Expanding Access. A World Bank Policy Research Report.


Agarwal, Gaurav. 2007. “Financial Inclusion through Mobile Phone Banking: Issues and Challenges.” CAB Calling, July-September, 2007.

APMAS and EDA Rural Systems. 2006. “Self-Help Groups in India: A Study of the Lights and Shades.” Study by Andhra Pradesh Mahila Abhivruddhi Society (APMAS) and EDA Rural Systems Private Ltd.

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Asian Development Bank. 2000. Finance for the Poor: Micro-finance Development Strategy.

——.  2007. “Low Income Households’ Access to Financial Services – International Experience, Measures for Improvement, and the Future.” EARD Special Studies, October.

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CAB. 2007. Report on Costs and Margins of Micro Finance Institutions. College of Agricultural Banking, Reserve Bank of India.

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Connolly, C. and K. Hajaj. 2001. “Financial Services and Social Exclusion.” Financial Services Consumer Policy Centre. University of New South Wales.

Creado, J. and R. Koshi. 2008. “Creating Leaders at the Bottom of the Pyramid.” Microfinance Insights, March.

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 ——. Central Electricity Authority.

——. Department of Road Transport and Highways.

 ——. NSSO, various rounds of survey.

——. 2008. “Challenges, Policy Reforms and Medium-Term Prospects.” Economic Survey 2007-08, Chapter 2.

——. 2008. Report of the Committee on Financial Inclusion in India (Chairman Dr. C. Rangarajan). January. Grameen Bank.

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——. 2006. Financial Inclusion: Credit, Savings, Advice and Insurance. Twelfth Report of Session 2005–06, Volume I. House of Commons Treasury Committee, UK.

——. 2007. Financial Inclusion: the Way Forward. HM Treasury. London, March.

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IRDA. 2008. “Getting Better and Better.” IRDA Journal. Insurance Regulatory and Development Authority, January.

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Kamath, Raghav. 2007. “Branchless Banking: Corp Bank’s Answer for Financial Inclusion.” CAB Calling, July-September, Vol. 31, No. 3.

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——.  2000. In or Out? Financial Exclusion: A Literature and Research Review. Financial Services Authority, London.

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Leeladhar, V. 2006. “Taking Banking Services to the Common Man – Financial Inclusion.” RBI Bulletin, January.

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Mohan, Rakesh. 2006. “Economic Growth, Financial Deepening and Financial Inclusion.” RBI Bulletin, November.

NAFSCOB. Performance of Primary Agricultural Credit Societies. Various issues.

NCAER. 2008. “How India Earns, Spends, and Saves.” Results from The Max New York Life-NCAER India Financial Protection Survey.

NHB. 2006. Report on Trend and Progress on Housing in India 2005. National Housing Bank, November.

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Puhazhendi, V. and K.J.S. Satyasai. 2000. “Microfinance for Rural People: An Impact Evaluation.” NABARD.

Puhazhendi, V. and K.C. Badatya. 2002. “SHG-bank Linkage Programme for Rural Poor - An Impact Assessment.”

Rajan, M.S.S. 2007. “Replication of Financial Inclusion: Opportunities and Challenges – Indian Bank Experience.” CAB Calling, July-September, Vol.31, No.3.

Rao, M.B.N. 2007. “Sustainable Inclusion- Cost of Inclusion.” Skoch Financial Technologies Summit.

Reddy, Y.V. 2007. “Financial Sector Policies for Growth and Employment.” RBI Bulletin, December.

Reserve Bank of India. Basic Statistical Returns of SCBs in India. Various issues.

——. Report on Trend and Progress of Banking in India. Various issues.

——. Survey of Small Borrowal Accounts. Reserve Bank of India Bulletin, various issues.

——. 2007. Handbook of Statistics on the Indian Economy 2006-07.

——. 2007. Report for the Technical Group to Review Legislations on Money Lending.

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Tankha, A. 2002. “Self-help Groups as Financial Intermediaries in India: Cost of Promotion, Sustainability and Impact.” A Study Prepared for ICCO and Cordaid, The Netherlands.

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——. 2006b. “Financial Inclusion for Sustainable Development: Role of IT and Intermediaries.” RBI Bulletin, December.

——. 2008. “Inclusive Growth - The Role of Banks in Emerging Economies.” Reserve Bank of India Bulletin, March.

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——. 2006b. Building Inclusive Financial Sectors for Development. New York.

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——. 2001. “The Banking Industry in the Emerging Market Economies: Competition, Consolidation and Systematic Stability.” BIS Papers No.4.

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Barth, J.R., G. Caprio Jr., and R. Levine. 2001. “Banking Systems Around the Globe: Do Regulations and Ownership Affect Performance and Stability?.” in Prudential Supervision: What Works and What Doesn’t ed. Mishkin, F.S., 2001., Univ. of Chicago Press, 31–88.

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Kang, Jun-Koo and Stulz, Rene M. 2000. ';Do Banking Shocks Affect Borrowing Firm Performance? An Analysis of the Japanese Experience.'; Journal of Business, Vol.73, No.1.

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La Porta, R., F. Lopez-de-Silanes, and A. Shleifer. 2002. “Government Ownership of Banks.” Journal of Finance,Vol.57: 265-301.

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——. 2004. Report on Consolidation in Indian Banking System.

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——. 2004b. “Ownership and Governance in Private Sector Banks in India.” RBI Bulletin, October.

 ——. 2006. “Reforms, Productivity and Efficiency in Banking: the Indian Experience.” RBI Bulletin, March.

Nitsure, Rupa Rege. 2008. “Consolidation of Banks: Some Thoughts.” Presentation at Financial Sector Seminar Series, ICRIER on April 8.

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Prager, Robin A. and Hannan, Timothy H. 1998. “Do Substantial Horizontal Mergers Generate Significant Price Effects? Evidence from the Banking Industry.” Journal of Industrial Economics, Vol.46, No.4: 433-52, December.

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——. 2004. “Consolidation of Banks: A Case of Misplaced Priorities.” Economic and Political Weekly, Vol.39, No.50: 5283-87.

——. 2005. “Bank Consolidation: Issues and Evidence.” Economic and Political Weekly, Vol.40, No.2: 1151-1159.

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Ram Mohan, T. T. and S. Ray. 2004. “Comparing Performance of Public and Private Sector Banks: A Revenue Maximisation Approach.” Economic and Political Weekly, Vol.39, No.12: 1271-75.

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——. 2000. ';Banking in Future: Flexibility, Autonomy and Regulatory Refocus.'; Valedictory Address at Conference of Chairmen of Banks at NIBM, Pune.

——. 2002. “Public Sector Banks and the Governance Challenge: Indian Experience.” Paper presented at the World Bank, International Monetary Fund, and Brookings Institution Conference on Financial Sector Governance: The Role of the Public and Private Sectors on April 18, 2002 at New York.

——. 2004. “Towards Globalization in the Financial Sector in India.” RBI Bulletin, January.

Reserve Bank of India. 1999. The Working Group on Restructuring of Weak Public Sector Banks (Chairman: M. S. Verma).

——. 2004. Flow of Credit to Agriculture and Related Activities. Advisory Committee Report.

——. 2005. Report of the Internal Working Group on RRBs.

——. 2007. Report on Trend and Progress of Banking in India, 2006-07.

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