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Role of Lending Practices in Cooperative Banks Failure
As per the data measured by the deposits of the customer, 83 percent of banking business is in the hands of nationalized and state banks. As per the official website of RBI banks were grouped into five categories (a) State Bank of India and its Associates; (b) Nationalized Banks; (c) Foreign Banks; (d) Regional Rural Bank; and other Scheduled commercial Banks. There are another category of the banks and are called Cooperative Banks. They are the banking institutions and work on cooperative Basis. This types of banking structure are supported by the government and they also gets financial assistance from both central as well as state government. These banks operates in Rural, SemiUrban and Urban Areas. They work as a retail and commercial banking as to provide both Short and Long Term loans.
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