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首页> 外文期刊>International Journal of Accounting Research >The Role of Commercial Banks in Providing Agricultural Credit (Factors Responsible for Overdue Position)-A Study with Reference to Tamil Naduin India
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The Role of Commercial Banks in Providing Agricultural Credit (Factors Responsible for Overdue Position)-A Study with Reference to Tamil Naduin India

机译：商业银行在提供农业信贷中的作用（负责逾期状况的因素）-以印度泰米尔纳德邦为例的研究

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Agricultural sector occupies a key position in the Indian economy. It provides employment to about 65 per cent of the working population of India. Around one-quarter of India’s National income originates from the agricultural sector. It is imperative that the problems of farmers are addressed with a sense of urgency. Agriculture being a State subject, the bulk of public investment in agriculture takes place at the level of States and the Central Government supports the States as a catalyst. On the basis of difference in the socio-economic characteristics of the borrowers, linear discriminant analysis was used to classify the borrowers into defaulters and non-defaulters and again the defaulters were classified into willful defaulters and non-willful defaulters. The exact amount of non-performing assets and over dues percentage wise as well as absolute amount-wise are going on increasing. The bad and doubtful debts, funds blocked in suit-filed accounts and decreased debt and funds in the hands of willful defaulters are showing an upward trend. Most of the borrowers are non-willful borrowers in selected areas. Thus it could be concluded that the marginal farmers had performed well not only in the prudent investment they had made on the financial and physical assets, but also in the better and more efficient utilization of factors and inputs in the study area. Agricultural credit, particularly commercial bank credit, promoted agricultural inputs to meet their various day-to-day agricultural expenses. Besides it had also motivated them to adopt intensive methods of cultivation. It could also be inferred that the recovery performance, which was found to be better in the study area, had in its turn induced the effective functioning of the Lead Bank in the study area.
机译：农业部门在印度经济中占有重要地位。它为印度约65％的工作人口提供就业。印度国民收入的大约四分之一来自农业部门。迫切需要解决农民的问题。农业是国家的主体，对农业的公共投资大部分发生在国家一级，中央政府支持国家作为催化剂。根据借款人社会经济特征的差异，使用线性判别分析将借款人分为违约者和非违约者，违约者又分为故意违约者和非故意违约者。不良资产的确切金额和应收账款百分比以及绝对金额百分比都在不断增加。呆坏帐，可疑账户中被冻结的资金以及故意违约者手中的债务减少和资金正呈上升趋势。在某些地区，大多数借款人是非自愿借款人。因此可以得出结论，边际农民不仅在他们对金融和实物资产进行的审慎投资方面表现出色，而且在研究区域内更好，更有效地利用要素和投入方面也表现出色。农业信贷，特别是商业银行信贷，促进了农业投入以满足其各种日常农业支出。此外，这也促使他们采取集约化耕作方法。还可以推断，在研究区域发现更好的恢复性能反过来又诱导了铅库在研究区域的有效运行。

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