Диссертацияларининг асосий илмий натижаларини чоп этиш тавсия этилган илмий нашрлар ва Россия

Non Performing Assets (NPAs)- How to convert 
into performing assets and support the economic 
growth by Dr. Binoy Joy Kattadiyil and Dr. 
Mrutyunjay Sisugoswami [21]
This is a recent research 
article and the researchers have studied the phenomenal 
deterioration of stressed asset quality and the raising 
potential losses for not making enough provisions to 
combat NPAs in the Indian Banking Sector. The article 
raises concern over the raising NPAs and opined that 
the strength and sustainability of the credit growth is the 
solution for making robust banking system in India.
In three years of IBC more hits than misses by 
CRISIL [22] 
This press release by CRISIL, says that 
recovery through IBC was Rs 70,000 Crores approx in 
fiscal 2019 which is twice the recovery done through 
other channels in 2018. The IBC has instilled a 
significantly better sense of credit discipline amongst 
creditors and investors.
Besides the above mentioned papers, books, 
and journals the researcher has extensively studied 
the annual, half yearly, etc reports and publications 
of RBI (Reserve Bank of India), IBBI (Insolvency 
and Bankruptcy Board of India), MCA (Ministry of 
Corporate Affairs) and PIB (Press Information Bureau). 
The data is also collected from these organisations.
3. STATEMENT OF THE PROBLEM 
As mentioned earlier, the ratio of NPAs in the Indian 
Economy has grown at a fast rate from the year 2008.
According to a report of RBI, the GNPAs ratio of the 
SCBs has declined from 11.2 per cent in March 2018 
to 9.1 per cent in March 2019 and RBI report also said 
that, “The GNPAs of all commercial banks declined 
in FY19 after rising for seven consecutive years, as 
recognition of bad loans neared completion” [23]. The 
reasons attributed to this are reduction in provisioning 
requirements, recapitalisation helped PSBs to shore up 
their capital ratios and the IBC gained traction thereby 
enhancing resolutions. A part of the bad debts were 
written off due to the aging of loans and the recoveries 
received a boost from IBC. The report also pointed out 
that the credit growth remained muted, so, the state of 
investment has not changed much. To bring cash flows 
back into the banks, speedier resolution of insolvency 
cases has to be dealt with for resolution of stressed 
assets.
Any new law has to be continuously monitored 
and evaluated to check that the actual outcomes match 
the expected outcomes. And if the actual outcomes do 
not match our expectations then the amendments and 
reforms are continuously made in the legislation. After 
the introduction of IBC, some teething problems were 
found on its implementation and hence, the amendments 
in it have been made to fulfil its objectives. IBC in India 
had laid a strong foundation upon which the edifice 
of powerful Economy has to be built. For achieving 
this goal, constant amendments and reforms have 
to be made timely, in conformity with the changing 
economic environment and for keeping itself healthy, 
robust and updated.
Therefore a thorough research study is required 
to explore IBC as an important tool in the growth of 
the Indian Economy and the purpose of this study is 
to assess the effectiveness and monitor performance of 
IBC in the development of Indian Economy.