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Intro

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Intro

  1. 1. INDIAN FINANCIAL SYSTEM
  2. 2. <ul><li>Land </li></ul><ul><li>Building </li></ul><ul><li>Equipments </li></ul><ul><li>Inventories </li></ul><ul><li>Durables </li></ul><ul><ul><li>Financial Assets </li></ul></ul>Real Assets <ul><li>Equity Instruments </li></ul><ul><li>Debt Instruments </li></ul><ul><li>Deposits </li></ul><ul><li>Insurance Policies </li></ul><ul><li>Units </li></ul><ul><li>Pension Reserves </li></ul>
  3. 3. <ul><li>Surplus Units </li></ul><ul><li>Household </li></ul><ul><li>Rest of the world </li></ul><ul><li>Deficit Units </li></ul><ul><li>Government </li></ul><ul><li>Corporate </li></ul>Financial System
  4. 4. <ul><li>Role of Financial System </li></ul><ul><li>Linking saving and investment </li></ul><ul><li>Accelerating the rate of savings & investment by offering diversified financial services and instruments </li></ul><ul><li>Larger production of goods and services </li></ul><ul><li>Economic Growth </li></ul>
  5. 5. <ul><li>FINANCIAL SYSTEM </li></ul><ul><li>A financial system is a set of : </li></ul><ul><li>* institutions, </li></ul><ul><li>* instruments and </li></ul><ul><li>* markets </li></ul><ul><li>which foster savings and channels them to their most efficient use. </li></ul><ul><li>The system consists of : </li></ul><ul><li>* individuals (savers), </li></ul><ul><li>* intermediaries, </li></ul><ul><li>* markets and </li></ul><ul><li>* users of savings. </li></ul>
  6. 6. Indian Financial System Formal / Organized Financial System Informal / Unorganized Financial System Regulators MoF, RBI, SEBI , IRDA <ul><li>Financial Markets </li></ul><ul><li>Capital Market </li></ul><ul><li>Money Market </li></ul><ul><li>Financial Intermediaries </li></ul><ul><li>Banking Institutions </li></ul><ul><li>Non Banking Institutions </li></ul><ul><li>Money lenders </li></ul><ul><li>Local Bankers </li></ul><ul><li>Traders </li></ul><ul><li>Landlords </li></ul><ul><li>Pawn Brokers </li></ul>
  7. 7. <ul><li>RECENT REFORMS IN THE INDIAN FINANCIAL SYSTEM </li></ul><ul><li>Deregulation of interest rates paid on deposits with commercial banks by RBI </li></ul><ul><li>Introduction of on-line trading in capital mkt . </li></ul><ul><li>Measures taken to protect the investors and improve the transparency </li></ul><ul><li>Introduction of modern financial instruments to elicit interest from broad range of savers </li></ul>
  8. 8. <ul><li>Improving financial soundness and credibility of banks by adopting capital adequacy norms in relation to the risks to which the banks are exposed . Prudential norms for income recognition and provision of bad debts. </li></ul><ul><li>Measures to control volatility </li></ul><ul><li>Laying down insider regulations to protect integrity of markets </li></ul><ul><li>Dematerializing share </li></ul><ul><li>Wide dissemination of the information </li></ul>
  9. 9. <ul><li>Thank you </li></ul>

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