publications

(143 kb)
Date : Sep 04, 2008
Select References (Vol I)

SELECT REFERENCES

I. THE THEME

Beck, T., A. Demirgüç-Kunt and R. Levine. 2001. “The Financial Structure Database.” in A. Demirgüç-Kunt and R. Levine. eds. Financial Structure and Economic Growth: A Cross-Country Comparison of Banks, Markets, and Development. Cambridge, MA: MIT Press.

Bencivenga, V. and B. Smith. 1991. “Financial Intermediation and Endogeneous Growth.” Review of Economic Studies, 58(2):195-209, April.

BIS. 1995. The Supervision of Financial Conglomerates, A Report by the Tripartite Group of Bank, Securities and Insurance Regulators, July; www.bis.org.

Borio, Claudio. 2008. “The Financial Turmoil of 2007–?: A Preliminary Assessment and Some Policy Considerations.” BIS Working Papers No. 251.

Bossone, Biagio. 2000. ‘What Makes Banks Special? A Study on Banking, Finance, and Economic Development’. The World Bank.

Carlin, W. and C. Mayer. 2003. “Finance, Investment and Growth.” Journal of Financial Economics, 69(1): 199-226.

Calomiris, C. and C. Kahn. 1991. “The Role of Demandable Debt in Structuring Optimal Banking Arrangements.” American Economic Review, 81 (3): 497-513.

Corrigan, E. Gerald. 1982. ‘Are Banks Special?’ Annual Report. Federal Reserve Bank of Minneapolis. De Gregorio, J. and P.

Guidotti. 1995. “Financial Development and Economic Growth.” World Development, 23(3): 433-448, March.

Demirguc-Kunt, A. and V. Maksimovic. 2002. “Funding Growth in Bank-Based and Market Based Financial Systems: Evidence from Firm-Level Data.” Journal of Financial Economics, 65(3): 337-363. September. Detragiache, E. and P. Gupta. 2004. “Foreign Banks in Emerging Market Crises: Evidence from Malaysia.”
IMF Working Paper.

Diamond, D. W. 1984. “Financial Intermediation and Delegated Monitoring.” Review of Economic Studies, 51: 393-414.

Diamond, D. W. and P. H. Dybvig. 1983. “Bank Runs, Deposit Insurance, and Liquidity.” Journal of Political Economy, 91(3): 401-14.

Diamond, D. and R. Rajan. 2001. “Liquidity Risk and Liquidity Creation and Financial Fragility: A theory of Banking.” Journal of Political Economy, 109 (2).

Flannery, M. 1994. “Corporate Finance, Market Discipline and Bank Supervision.” Proceedings of the 1994 conference on Bank
Structure and Competition, Federal Reserve Bank of Chicago, 313-330. Fama, E. 1985. ‘What’s Different About Banks?.’ Journal of
Monetary Economics
, 15: 29-39.

Gelb, 1989. “Financial Policies, Growth and Efficiency.” World Bank PPR Working Paper , 202. Gertler, M. and A. Rose. 1991. “Finance, Growth and Public Policy.” Policy Research Working Paper Series, 814. The World Bank.

Goldberg, L., G. Dages and D. Kinney. 2000. “Foreign and Domestic Bank Participation in Emerging Markets: Lessons from Mexico and Argentina.” Economic Policy Review, 6(3). Federal Reserve Bank of New York.

Gopinath, Shyamala. 2007. ‘‘Indian Derivatives Market - A Regulatory and Contextual Perspective.’’
RBI Bulletin, November.

Gopinath, Shyamala. 2007. “Special Features of Financial Sector Reforms in India.’’ RBI Bulletin, May. Greene, J. and D. Vilanueva. 1991. “Private Investment in Developing Countries.” IMF Staff Papers, 38: 33-58, March.

Greenwood, J. and B. Jovanovic. 1990. “Financial Development, Growth and the Distribution of Income.”
The Journal of Political Economy , 98(5, Part 1): 1076-1107.

ICRIER. 2007. “Liberalization of Financial Services under GATS: The Indian Experience.” WTO News and Views. April-June 3(2).

Kato, Takatoshi. 2008. “The Nature and Magnitude of Financial Innovation, Keynote Address; Conference on Challenges for Monetary Policy, from Financial Innovation and Globalisation.” Paris. January.

King, R. and R. Levine. 1993. “Financial Intermediation and Economic Development.” in Financial Intermediation in the Construction of Europe, Eds. Colin Mayer and Xavier Vives. London: Centre for Economic Policy Research,156-89.

Kroszner, Randall S. 2007. “Innovation, Information, and Regulation in Financial Markets.” speech delivered at the Philadelphia Fed Policy Forum, Philadelphia, Pennsylvania November 30; Fed Reserve. Levine, R. and S. Zervos. 1998. “Stock Markets, Banks, and Economic Growth.” American Economic Review, 88(3): 537-58.

Levine, R. 1996. “Foreign Banks, Financial Developments, and Economic Growth.” in Claude E. Barfield (ed). International Financial Markets: Harmonization versus Competition, Washington DC: AEI
Press.

Levine, R. 1997. “Financial Development and Economic Growth: Views and Agenda.” Journal of Economic Literature, 35.

Levine, R., N. Loayza, and T. Beck. 2000. “Financial Intermediation and Growth: Causality and Causes.”
Journal of Monetary Economics,46: 31-77.

Lucas, R. 1988. “On the Mechanics of Economic Development.” Journal of Monetary Economics, 22: 3-42. Martinez, Peria, M. S. A

Powell., and I. V. Hollar. 2002. “Banking on Foreigners: The Behavior of International Bank Lending to Latin America, 1985-2000.”

McKinnon, R., 1973. Money and Capital in Economic Development, Washington: The Brookings Institution.
Mohan, Rakesh. 2004a. “Finance for Industrial Growth.” RBI Bulletin, March.

——. 2004b. “Ownership and Governance in Private Sector Banks in India.” RBI Bulletin, October.
——. 2006. “Financial Sector Reforms and Monetary Policy: The Indian Experience.” RBI Bulletin, July.
——. 2007. “India’s Financial Sector Reforms: Fostering Growth while Containing Risk.” Yale University; www.rbi.org.in
——. 2008. “Innovation and Growth: Role of the Financial Sector.” RBI Bulletin, April.

Morck, R., David, A., Y. Bernard. 2000. “Inherited Wealth, Corporate Control, and Economic Growth: The Canadian Disease.” in Concentrated Corporate Ownership Morck, R. (Ed.) Chicago: University of Chicago Press, 319-372.

Narasimahm, M. 1991. Report of the Committee on the Financial System. Reserve Bank of India, November. Raj, Janak. 2005. “Is There a Case for a Super Regulator in India? Issues and Options.” Economic and Political Weekly, August 27.

Rajan, R. and L. Zingales. 1998. “Financial Dependence and Growth.” American Economic Review, 88(3): 559-86.
Reserve Bank of India. 2007. Discussion Paper on Holding Companies in Banking Groups; available on www.rbi.org.in.
Reddy, Y.V. 2005. “Banking Sector Reforms in India: An Overview.” RBI Bulletin, June.

——.2008. “Financial Globalisation, Growth and Stability: An Indian Perspective; at the International Symposium of the Banque de France on Globalisation, Inflation and Monetary Policy.” Paris. March 7. Robinson, J. 1952. “The Generalization of the General Theory.” in The Rate of Interest and Other Essays.
London: Macmillan.

Schumpeter, J., 1911. The Theory of Economic Development. Cambridge, MA: Harvard University Press.

Shaw, E. 1973. Financial Deepening in Economic Development. New York: Oxford University Press.

Wurgler, J. 2000. “Financial Markets and Allocation of Capital.” Journal of Financial Economics, 58(1-2): 187-214.

III. EVOLUTION OF BANKING SECTOR IN INDIA


Ahluwalia M.S., Y.V Reddy., S.S Tarapore. (Eds.). 2002. Macroeconomics and Monetary Policy: Issues for a Reforming Economy. New Delhi: Oxford University Press.

Bhaduri, A. 1977. “On the Formation of Usurious Interest Rates in Backward Agriculture.” Cambridge Journal of Economics, 1: 341-352.

Bhide, M.G., A. Prasad and Saibal Ghosh. 2001. ‘‘Emerging Challenges in Indian Banking.’’ Centre for Research on Economic

Development, Working Paper No. 103.

Braverman, A., and T. N. Srinivasan. 1981. “Credit and Sharecropping in Agrarian Societies.” Journal of Development Economics, 9: 289-312.

Bagchi, A.K. 1987. The Evolution of the State Bank of India: The Roots 1806-1876. Bombay: Oxford University Press.

Basu, K. 1983. “The Emergence of Isolation and Interlinkage in Rural Market.” Oxford Economic Papers, 35(2): 262-80.

Chandavarkar, A. 2005. “Money and Credit-1858-1947.” The Cambride Economic History of India Volume II 1757-2003. New Delhi:
Orient Longman Private Limited.

——. 1996. Central Banking in Developing Countries. London: Macmillan.

D. Ajit, and R.D Bangar. 1997. “Banks in Financial Intermediation: Performance and Issues.” RBI
Occasional Papers, Special Issue Vol. 18. June & September.

Deshmukh, C.D. 1948. “Central Banking in India: A Retrospect.” Gokhale Institute of Politics and Economics. R. R. Kale Memorial
Lecture 1948, Pune.

Enoch, C., J. H. Green. (Eds.). 1997. Banking Soundness and Monetary Policy: Issues and Experiences in the Global Economy. IMF, Washington.

Fry, Maxwell J. 1995. Money, Interest and Banking in Economic Development. London: The John Hopkins University Press Ltd.

Fry, Maxwell J., Charles, A.E. Goodhart and Almeida Alvaro. 1996. Central Banking in Developing Countries: Objectives, Activities and Independence. London: Routledge.

Government of India. 1926. Report of the Royal Commission on Indian Currency and Finance. (Chairman: Mr. E. Hilton Young).

——. 1931. The Indian Central Banking Enquiry Committee. (Chairman: Sir Bhupendra Nath Mitra. Sir Purshotamdas Thakurdas), Calcutta.
——. 1969. Gadgil Study Group on Organisational Framework for Implementation of Social Objectives, (Chairman: Prof D.R. Gadgil).
——. 1972. Report of the Banking Commission. (Chairman: R.G. Saraiya).
——. 1980-81. Ministry of Finance Report, New Delhi.
——.1998. Report of the Committee on Banking Sector Reforms. (Chairman: Shri M. Narasimham) April. Leeladhar, V. 2007. “The

Evolution of Banking Regulation in India – A Retrospect on Some Aspects.” Address delivered at the Bankers’ Conference, Mumbai. November 26.

Mathur, B.L. 1995. Emerging Perspectives of Indian Banking. Jaipur: Arihant.

Mohan, Rakesh. 2003. “Transforming Indian Banking : In Search of a Better Tommorrow” RBI Bulletin, January.
——. 2004a. “Agricultrual Credit in India: Status Issues and Future Agenda.” RBI Bulletin, November.
——. 2004b. “Ownership and Governance in Private Sector Banks in India,” RBI Bulletin, October.
——. 2005. ‘‘Financial Sector Reforms in India: Policies and Performance Analysis.’’ Economic and Political Weekly, March 19.
——. 2008. “The Growth Record of the Indian Economy, 1950-2008 – a Story of Sustained Savings and Investment.” RBI Bulletin, March.

National Bank for Agriculture and Rural Development. 2002. Review of the Performance of Regional Rural Banks as on 31 March 2000.

Patel, I. G. 2002. Glimpses of Indian Economic Policy: An Insider’s View. Oxford University Press. New Delhi.

Rau, B. Rama. 1960. “Control of Commercial Banking and Extension of Banking Facilities.” A.

Kishnaswamy Aiyar Lecture, April 1960 Reproduced in Governors’ Speak, RBI. 1997.

Rangarajan, C. 1988. “Issues in Monetary Management.” Presidential Address at the Indian Economic Conference, Calcutta, December.

——. 1998. The Indian Financial System: The Emerging Horizon, Phiroze Jeejeebhoy Memorial Lecture.
Mumbai.

——. 2002. Perspectives on Indian Economy. New Delhi: UBS Publishers.

Rangarajan, C., A. Basu and Narendra Jadhav. 1989. “Dynamics of Interaction between Government Deficit and Domestic Debt in India.” RBI Occasional Papers, 10(3); September.

Reddy, Y.V. 1997a. “Monetary and Credit Policy: Issues and Perspectives.” RBI Bulletin. ——. 1997b. “RBI and Banking Sector Reform.” RBI Bulletin.

——. 1997c. “Asian Crisis: Asking Right Questions.” RBI Bulletin.
——. 1999. “Financial Sector Reform: Review and Prospects.”RBI Bulletin, January.
——. 2000. Monetary and Financial Sector Reforms in India, A Central Banker’s Perspective. New Delhi: UBS Publishers.

Reserve Bank of India. 1937. Annual Report, Mumbai.

——. 1950. Rural Banking Enquiring Committee (Chairman: Sir Purshottamdas Thakurdas). ——. Annual Report (various issues), Mumbai.
——. Circulars on Credit Policy Volumes I to IV.
——. 1954. All India Debt and Investment Survey Committee Report.
——. 1998. “Banking Statistics 1972-1995.” Basic Statistical Returns.
——. 1975. Report of the Study Group to Frame Guidelines for follow-up of Bank Credit. (Chairman: Shri P.T.Tandon).
——. 1978. Report of the Review Committee on Regional Rural Banks. (Chairman: Shri M.L.Dantwala).
Bombay.
——. 1979. Report of the Working Group to Review the System of Cash Credit (Chairman: K.B. Chore).
Bombay.
——. 1982. Report of the Working Group to Review the Working of the Lead Bank Scheme. (Chairman: Shri U.K. Sarma ), Bombay.
——. 1984. Report of the Committee to Examine the Legal and Other Difficulties Faced by Banks and Financial Institutions in Rehabilitation of Sick Industrial Undertakings and Suggest Remedial Measures including Changes in Law. (Chairman : Shri T.Tiwari).
——. 1985. Report of the Committee to Review the Working of the Monetary System (Chairman: Sukhamoy Chakravarty).
——. 1987. Working Group on Money Market (Chairman: Shri N.Vaghul).
——. 1991. Report of the Committee on the Financial System. (Chairman: Shri M. Narasimham). ——. 1997. Report of the

Committee on Capital Account Convertibility
.(Chairman: Shri S.S. Tarapore).

——. 1998. Report of the Committee on Banking Sector Reforms. (Chairman: Shri M. Narasimham).
——. 1999. Report of the High-Power Committee on Urban Cooperative Banks (Chairman: Shri K.
Madhava Rao). Mumbai.
——. 1999. Report of the Working Group on Restructuring Weak Public Sector Banks (Chairman: Shri M.S.Verma). Mumbai.
——. 1999. Report on Reforms in Deposit Insurance in India (Chairman: Shri J.Capoor). Mumbai. ——. 2000. Report of the Advisory Group on Banking Supervision (Chairman: Shri M.S.Verma). Mumbai. ——. 2001. Report of the Advisory Group on Bankruptcy Laws (Chairman: Dr. N.L. Mitra). Mumbai. ——. 2001. Functions and Working of the Reserve Bank of India, Fourth Edition. Mumbai.
——. 2001. Report of the Advisory Group on Corporate Governance (Chairman: Shri R.H. Patil). Mumbai. ——. Monetary and Credit Policy Statements (various years). Mumbai.
——. Report on Currency and Finance (various issues). Mumbai.

——. 1990-91. Report on Trend and Progress of Banking in India.
——. 1991-92. Report on Trend and Progress of Banking in India. ——. Report on Trend and Progress of Banking in India. Various Issues. ——. 2006-07. Handbook of Statistics on the Indian Economy.
——. 2005. Reserve Bank of India, (History) Volumes. I to III.
Rose, Peter S. 1999. “Commercial Bank Management.” Texas: A & M University.
Selgin, G. 1996. “Commercial Banks as Pure Intermediaries.” in Selgin, G. 1996. Bank Deregulation and Monetary Order 119-28. London: Routledge.

Singh, Anoop, S.L Shetty., and T. R. Venkatachalam. 1982. “Monetary Policy in India: Issues and Evidence.” Supplement to Reserve Bank of India Occasional Papers, Reserve Bank of India, Mumbai.

Statistical Tables Relating to Banks in India. 1935. Department of Commercial Intelligence and Statistics, India.

Statistical Tables Relating to Banks in India. 1938. Department of Commercial Intelligence and Statistics, India.

Statistical Tables Relating to Banks in India and Burma. 1939. Reserve Bank of India, India.

Statistical Tables Relating to Banks in India, and Pakistan. 1947. Reserve Bank of India, India.

Statistical Tables Relating to Banks in India. 1950 to 2006-07, various issues Reserve Bank of India, India.

Tandon, Prakash. 1988. Banking Century: A Short History of Banking in India and the Pioneer – Punjab National Bank. New Delhi: Viking.

Thorat, Usha. 2006. “Urban Cooperative Banks – Evolution of the Banks, Current Issues in Corporate Governance and Challenges in their Regulation and Supervision. Late Shri R.N.Godbole Memorial Lecture at Shivaji University, Kolhapur.

IV. MANAGING RESOURCE MOBILISATION


Allen, F. and A. M. Santomero. 2001. “What do Financial Intermediaries Do?.” Journal of Banking and Finance (25).

Barbara, Leitch LePoer (ed.). 1987. Thailand: A Country Study. Washington: GPO for the Library of Congress.

Berger, Allen N., T. H. Hannan. 1989. “The Price Concentration Relationship in Banking.” Review of Economics and Statistics. 71(2). 291-299.

Berger, A., R. J. Rosen and Udell, F. Gregory. 2007. “Does Market Size Structure Affect Competition?
The Case of Small Business Lending.” Journal of Banking and Finance, 31.

Berlin, M., and L. J. Mester. 1999. “Deposits and Relationship Lending.” Review of Financial Studies, 12(3).

Davies, J., B. S. Sandstrom, A. Shorrocks and E. N. Wolf. 2007. “Estimating the Level and Distribution of Global Household Wealth.” Research Paper No.2007/77, UNU-WIDER, United Nations University, November.

Einarsson, Tor and Milton H. Marquis. 2003. “Bank Intermediation and Persistent Liquidity Effects in the Presence of a Frictionless Bond Market.” Central Bank of Iceland Working Papers No. 21, November.

Feldman, R., and D. Fettig. 1998. “Declining Deposits: Is it All Bad News?. Fedgazette, Federal Reserve Bank of Minneapolis, July.
Government of India. 2008. Economic Survey 2007-08.

Hall, K. and D. Veryard. 2006. “Recent Trends in Australian Banking.” Economic Papers. Economic Society of Australia, December.

Levine, R. 2000. “Bank-based or Market-based Financial Systems: Which is Better?” Finance Department, Carlson School of Management. University of Minnesota, February.

Liping, He. 2005. “Evolution of Financial Institutions in Post-1978 China: Interaction between the State and Market.” China & World Economy. 13(6): 10-26.

Mester, L. J. 2007. “Some Thoughts on the Evolution of the Banking System and the Process of Financial Intermediation.” Economic Review First and Second Quarters.

Mohan, Rakesh. 2008. “The Growth Record of the Indian Economy, 1950-2008: A Story of Sustained Savings and Investment.” Keynote Address at the Conference ‘Growth and Macroeconomic Issues and Challenges in India’, Institute of Economic Growth. New Delhi. February.

Pootrakool, K., T. Sodsrichai and K. Ariyapruchya. 2005. “Long-term Saving in Thailand: Are We Saving Enough and What are the Risks?.” Bank of Thailand Discussion Paper, 12. November.

Raj, Janak. 1999. “A Study of Operations of Non-Banking Financial Intermediaries in India with Special Reference to their Implications for Monetary Policy.” Unpublished Ph.D thesis, Indian Institute of Technology, Mumbai.

Reserve Bank of India. Report on Currency and Finance, 2001-02, 2002-03 and 2005-06.

——. 1985. Report of the Committee to Review the Working of the Monetary System (Chairman: Sukhamoy Chakravarty).
Rosen, J. Richard. 2007. “Banking Market Conditions and Deposit Interest Rates.” Journal of Banking & Finance, 31.

Rybczybski, T. M. 1985. “The Internationalisation of the Financial System and the Developing Countries – the Evolving Relationship.” Background Paper for World Development Report.

Schmidt, R. H., A. Hackethal and M. Tyrell. 1998. “Disintermediation and the Role of Banks in Europe: An International Comparison.” Journal of Financial Intermediation No.10, January.

Scholtens, B., van Wensveen, D. 1999. “A Critique on the Theory of Financial Intermadiation.” Journal of Banking and Finance, 24(8): 1243-1251.

Shiyu, Liu, Wu Yi and Liu Zhengming. 2006. “The Lessons Learned from the Development and Reform of China’s Banking Sector.” BIS Papers, 28. August.

Tuladhar, Anita. 2007. “Conference on International Forum on Pension Reform: Exploring the Link to Labor and Financial Market Reforms.”International Monetary Fund. June.

USAID. 2005. “Innovations in Rural Deposit Mobilisation.” RAFI Note # 9, Mimeo, August.

Vichyanond, Pakorn. 1995. “The Evolution of Thailand’s Financial System: Future Trends.” Thailand Development Research Institute TDRI Quarterly Review, 10(3). September.

V. MANAGING CAPITAL AND RISK

Allen, B. 2006. “Internal Affairs.” Risk. 19: 45-49, June.

Ayuso, J., D. Perez and J. Saurina. 2004. “Are Capital Buffers Pro-cyclical? Evidence from Spanish Panel Data.” Journal of Financial Intermediation, 13(2): 249-264.

Bank for International Settlements. 1999a. Credit Risk Modelling: Current Practices and Applications, Basel Committee on Banking Supervision. Basel. April.

——. 1999b. Sound Policies for Loan Accounting, Credit Risk Disclosure and Related Matters. Basel Committee on Banking Supervision. Basel.
——. 2001. The New Basel Capital Accord: Second Consultative Document. Basel. January.
——. 2002. “The Interaction between the Financial Sector and the Real Economy.” BIS 72nd Annual Report: 122-140.
——. 2004a. International Convergence of Capital Measurement and Capital Standards: A Revised Framework. Basel Committee on Banking Supervision. Basel.
——. 2004b. “Implementation of the New Capital Adequacy Framework in Non-Basel Committee Member Countries.” FSI Occasional Paper 04, April.
——. 2006a. Basel II: International Convergence of Capital Measurement and Capital Standards: A
Revised Framework - Comprehensive Version. Basel Committee on Banking Supervision. June.
——. 2006b. Enhancing Corporate Governance for Banking Organisations. Basel Committee on Banking Supervision. Basel. February.
——. Annual Report, Various Issues. Basel.
Berger, A., R. Herring and G. Szego. 1995. “The Role of Capital in Financial Institutions.” Journal of Banking and Finance, 19: 393-430.

Bernanke, B. and C. Lown. 1991. “Credit Crunch.” Brookings Paper on Economic Activity, 2: 205-47. Borio, C., C. Furfine and P. Lowe. 2001. “To Provision or Not to Provision.” BIS Quarterly Review.
September.

Carey, M. 2001. “Dimensions of Credit Risk and their Relationship to Economic Capital Requirements.” in F. S. Mishkin (ed.) Prudential Supervision: Why is it Important and what are the Issues. Chicago: University of Chicago Press and NBER.

Caruana, J. 2005. Basel II: Back to the Future. 7th Hong Kong Monetary Authority Distinguished Lecture, available at http://www.bde.es/prensa/intervenpub/gobernador/040205e.pdf.

Chandrashekhar, C. and J. Ghosh. 2007. “Basel II and India’s Banking Structure.” The Hindu Business Line. February 20.

Chiuri, M., G. Ferri and G. Majnoni. 2001. “The Macroeconomic Impact of Capital Requirements in Emerging Economies: Past Evidence to Assess the Future.” World Bank Policy Research Working Paper No 2605.

Cornford, A. 2006. “The Global Implementation of Basel II: Prospects and Outstanding Problems.” Issues in International Trade and Commodities Study Series No. 34. United Nations Conference on Trade and Development.

Danielson, J. H. Shin, and J. Zigrand, 2001. “Asset Price Dynamics with Value-at-Risk Constrained Traders.” FMG Working Paper, dp 0394. London School of Economics.

Dewatripont, M. and J. Tirole. 1994. The Prudential Regulation of Banks. Cambridge: MA MIT Press, Elizalde, A. and R. Repullo. 2006. “Economic and Regulatory Capital in Banking: What is the Difference?.”
C.E.P.R. Discussion Papers. 4770.

Fitch Ratings. 2005. “Global Credit Derivatives Survey: Risk Dispersion Accelerates.” Fitch Ratings Special Report. November.

Flood, M. 2001. Basel Buckets and Loan Losses: Absolute and Relative Loan Underperformance at Banks and Thrifts. Available on http://www.ots.treas.gov/docs/5/51001.pdf Genschel, P. and T. Plumper. 1997. “Regulatory Competition and International Co-Operation.” Journal of European Public Policy, 4: 626-642.

Ghosh, S. and D. Nachane. 2003. “Are Basel Capital Standards Pro-cyclical? Some Empirical Evidence from India.” Economic and Political Weekly, February 22.

Gopinath, S. 2006. “Approach to Basel II.” RBI Bulletin, June.

Gorton, G. and A. Winton. 2000. “Liquidity Provision, Bank Capital and the Macroeconomy.” University of Minnesota Working Paper. October.

Greenspan, A. 2001. “The Financial Safety Net.”Remarks at the 37th Annual Conference on Bank. Structure and Competition Federal Reserve Bank of Chicago, Chicago, Illinois. May.

Holmstrom, B. and J. Tirole. 1997. “Financial Intermediation, Loanable Funds and the Real Sector.”
Quarterly Journal of Economics, 112: 655-91.

IBA-IBS Report. 2006. Current Perspectives on Risk Management: Indian Banking Industry. April . International Monetary Fund. 2006. Global Financial Stability Report, World Economic and Financial Surveys. Washington, April.

Jagirdar, B. 1997. Financial Sector Reform in India: A Study of Selected Issues with Special Reference to Public Commercial Banking. Unpublished Ph.D. Thesis. Mumbai: University of Mumbai. Jones, D. and J. Mingo. 1998. “Industry Practices in Credit Risk

Modelling and Internal Capital Allocations: Implications for a Models-Based Regulatory Capital Standard.” FRBNY Economic Policy Review, October.

Kashyap, A., R. Rajan, and J. Stein. 1999. “Banks as Liquidity Providers: An Explanation for the Coexistence of Lending and Deposit-Taking.” NBER Working Paper Series No. 6962.

Kashyap, A. and J. Stein. 2004. “Cyclical Implications of Basel II Capital Standards.” Economic Perspectives, 28(1): 18–31. Federal Reserve Bank of Chicago.

Kashyap, A., R. Rajan and J. Stein. 2008. “Rethinking Capital Regulation.” Paper prepared for Federal Reserve Bank of Kansas City symposium on Maintaining Stability in a Changing Financial System, Jackson Hole, Wyoming, August 21-23.
Keeley, M. and F. Furlong. 1990. “A Re-examination of the Mean Variance Analysis of Bank Capital Regulation.” Journal of Banking and Finance, 14: 69-84.

Kimball, D. and C. James. 1983. “Regulation and the Determination of Bank Capital Changes.” Journal of Finance, 38: 1651-58.
Kroszner, R. 2008. “Improving Risk Management in Light of Recent Market Events.” Speech Delivered at the Global Association of Risk Management Professionals Annual Risk Convention, New York.
February 25.

——. 2008. “Liquidity-Risk Management in the Business of Banking.” Speech Delivered at the Institute of International Bankers. Washington, D. C. March.
——. 2008. “The Importance of Fundamentals in Risk Management.” Speech Delivered at the American Bankers Association Spring
Summit Meeting. Washington D. C. March 11.

Kupiec, P. 2001. “The New Basel Capital Accord: The Devil is in the (Calibration) Details.” IMF Working Paper, 01/113.
Leeladhar, V. 2006. “Demystifying Basel II.” RBI Bulletin. October
——. 2007. “Basel II and Credit Risk Management.” RBI Bulletin. October.

Long, D. 2004. Credit Derivatives: Analyzing New Developments and Risks. Available on http:// www.ppllc.com/OurNews/Articles/2004_07_Garp_CDS.pdf Lowe, P. 2002. “Credit Risk Measurement and Pro-cyclicality.” BIS Working Papers 116, September. McKinsey & Co. 2007. Indian Banking: Towards Global Best Practices-Insights from Industry Benchmark Surveys. Financial Services Practice. November.

Mingo, J. 1975. “Regulatory Influence on Bank Capital Investment.” Journal of Finance, 30: 1111–1121. Mohan, R. 2006. “Central Banks and Risk Management: Pursuing Financial Stability.” RBI Bulletin, December.
——. 2007. “Risk Management in an Open Market Economy.” RBI Bulletin, July.

Muniappan, G. 2002. “Indian Banking: Paradigm Shift-A Regulatory Point of View.” RBI Bulletin, January.

Nachane, D., A. Narain, S. Ghosh and S. Sahoo. 2000. “Capital Adequacy Requirements and the Behaviour of Commercial Banks in India: An Analytical and Empirical Study.” DRG Study No. 22.
Reserve Bank of India. Mumbai.

Patnaik, I. and A. Shah. 2004. “Interest Rate Volatility and Risk in Indian Banking.” IMF Working Paper WP/04/17, January.
Peek, J. and E. Rosengren. 1995. “Capital Crunch: Neither a Borrower Not a Lender Be.” Journal of Money, Credit and Banking, 27: 625-38.

Peltzman, S. 1970. “Capital Regulation in Commercial Banking and its Relation to Portfolio Regulation.”
Journal of Political Economy, 78: 1–26.

Pennacchi, G. 2004. “Risk-Based Capital Standards, Deposit Insurance, and Procyclicality.” FDIC Center for Financial Research Working Paper No. 2004-05, November.

Proctor, C. 2006. Basel II: Credit Risk Mitigation. October, available on http://www.twobirds.com/english/ publications/articles/Basel_II_Credit_Risk_Mitigation.cfm Rangarajan, C. 2007. The Indian Banking System – Challenges Ahead. First R.K. Talwar Memorial Lecture. Indian Institute of Banking & Finance.

Reserve Bank of India. Report on Trend and Progress of Banking in India, Various issues.

Reserve Bank of India. 2008. Supervisory Review Process under the New Capital Adequacy Framework – Guidelines for Pillar 2. March 26.
——. 2007. Prudential Guidelines on Capital Adequacy and Market Discipline –Implementation of the New Capital Adequacy Framework. April.
——. 2007. Report of the Working Group on Introduction of Credit Derivatives in India. May 16. Available on http://rbidocs.rbi.org.in/rdocs/PublicationReport/Pdfs/35293.pdf

Reddy, Y.V. 2006. “Challenges and Implications of Basel II for Asia.” RBI Bulletin, 637-640, June.

——. 2007. “Glimpses of the Indian Economy and its Financial Sector.” RBI Bulletin, August. Saidenberg, M. and P. Strahan. 1999. “Are Banks Important for Financing Large Businesses?” Current Issues in Economics and Finance, 5(12).

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