Trend and Progress of Banking in India
The fall in prices in February-March 1952 and the restricted availability and increased cost of bank credit discouraged inventory accumulation in particular the speculative holding of stocks and in the 1952 slack season the return of funds to the banks even outstripped the extension of credit in the preceding busy season. [...] The smaller volume of Reserve Bank credit to the banking system reflects the more comfortable position of the banks on the eve of the busy season and their ability to meet the somewhat reduced rquirements of the season largely from their own resources. [...] On the In the case of non-scheduled banks as a result of the extension of the Banking Companies Act to Part B States and the consequent increase in the number of reporting banks from 306 in December 1951 to 425 in December 1952 the breakdown of their assets and liabilities is not strictly comparable with that of the earlier year. [...] A few banks defaulted in the maintenance of statutory reserves (in terms of Section 42(r) of the Reserve Bank of India Act in the case of scheduled banks and Section 18 of the Banking Companies Act in the case of non-scheduled banks); these defaults however were of a casual nature and were soon rectified. [...] During the year however certain proposals were rejected by the Amalgamations Reserve Bank as the proposed amalgamations were not considered to be beneficial to the depositors of the banks."19 Mention was made in last year's Report of the proposal of the Government of Rajasthan for the transfer of certain assets and liabilities of the four State banks to the Bank of Rajasthan.
|Chapter I. Banking in the National Economy
|Chapter II. Structure of Assets and Liabilities of Banks
|Chapter III. Supervision and Control of Banking
|Chapter IV. Conclusions
Mabadiliko ya bei ya benki nchini India, kushuka kwa bei ya benki mnamo Februari-Machi 1952 na upatikanaji mdogo na ongezeko la gharama ya mkopo wa benki, ilizuia mkusanyiko wa hisa, haswa uhifadhi wa hisa, na katika msimu wa kupumzika wa 1952, kurudi kwa fedha kwa benki hata kulizidi upanuzi wa mkopo katika msimu wa shughuli uliotangulia. """Uwezo mdogo wa mkopo wa Benki ya Hifadhi kwa mfumo wa benki unaonyesha nafasi ya urahisi zaidi ya benki kabla ya msimu wa shughuli na uwezo wao wa kukidhi mahitaji ya msimu wa shughuli, ambayo imepunguzwa kwa kiasi kikubwa, kutoka kwa rasilimali zao wenyewe." Katika kesi ya benki zisizo za kawaida, kwa sababu ya upanuzi wa Sheria ya Kampuni za Benki kwa majimbo ya Sehemu B na ongezeko la idadi ya benki zinazotoa ripoti kutoka 306 mnamo Desemba 1951 hadi 425 mnamo Desemba 1952, mgawanyiko wa mali na dhima zao hauwezi kulinganishwa kabisa na ile ya mwaka uliopita. "Mabenki kadhaa walishindwa kudumisha akiba ya kisheria (kwa mujibu wa kifungu cha 42 (r) cha Sheria ya Benki ya Hifadhi ya India katika kesi ya benki zilizopangwa na kifungu cha 18 cha Sheria ya Kampuni za Benki katika kesi ya benki zisizo na orodha) lakini kushindwa huko kulikuwa kwa asili ya kawaida na kulirekebishwa haraka. """ Hata hivyo, katika mwaka huo, mapendekezo fulani yalikataliwa na Benki ya Hifadhi ya Amalgamations, kwani mapendekezo hayo hayakuchukuliwa kuwa ya manufaa kwa wawekezaji wa benki. "Katika ripoti ya mwaka jana, serikali ya Rajasthan ilitoa pendekezo la kuhamisha mali na dhima fulani za benki nne za serikali kwa Benki ya Rajasthan.""" |Sura ya I. Benki katika uchumi wa kitaifa |Sura ya Pili. Muundo wa Mali na Dhima za Benki |Sura ya Tatu Usimamizi na Udhibiti wa Benki |Sura ya IV. Mkataa