This book is related to the reforms in credit market and private
capital formation in agriculture. Various reforms have taken place
to improve the outreach of credit institutions. In 1904, first
phase of institutional credit delivery system started with the
introduction of co-operatives. In 1969 with the nationalization of
14 commercial banks, second phase of agricultural credit market
reform started. Third phase of credit market reforms started with
the recommendations of Narsimham Committee on Financial Sector
Reforms which include deregulation of interest rate, structural
changes in the rural credit institutions and phasing out of
directed lending. Many other changes have also been ushered in the
agricultural credit market in this phase. Understanding of these
reforms and their effect on capital formation is the main objective
of this book.
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