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Liberalization Facilitators
m Lender's risk has dwindled
substantially
m Liquidity position is improved
m Return is certain on his savings
(either fixed or variable)
m Lender gets impetus to save
m e will get accurate information
from specialized financial
institutions.
m Lenders botheration with respect
to selecting a prompt borrower is
reduced
m Borrower certainty in rising
funds is soared
m e needs make less effort
and minimum time in
questing for an ultimate
lender.
m In whatsoever fashion he
needs funds he can
procure
m e can seek professionals
and specialized assistance
from specialist in the field.
m 1. Banking financial institutes (RBI, Commercial
banks and co-operative banks)
m 2. Development banks (all India financial institutes
like IDBI, IFCI)
m 3. Investment financial institutes (LIC,GIC,UTI,
since 2000 Private insurance companies like
SunLife, Allianz Bajaj, ICICI Prudential etc. )
m 4. Non-Banking financial institutes (SBI capital
services, áerchant banking companies ire-
purchase companies, etc.,)
m 5. Postal department Financial services (Recurring
deposits, NSC, KVP, Postal Life-Insurance etc.).
Financial
Vehicles
System
= Individuals, = Individuals,
Firms, State = áoney áarket Firms, State
= áarket = Customized
= Equity áarket Instruments
= State
= Debt áarket