Banking - Yojana

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July 2002
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Chief Editor : Subhash Setia
Editor: Mahadev Pakrasi
Assistant Editor: Madhu R. Sekhar
Sub Editor: Manogyan R Pal
BIOTECHNOLOGY AND BIOINFORMATICS
Jayanti Ghose
Senior Correspondents: Ahmedabad: V.P. Solanki, Kolkata: T.K. Sarkar, Bangalore: M.N. Shankar, Guwahati: H.K. Das, Mumbai:
Monideepa Mukerji, Hyderabad: C.G.K. Murthy, Chennai: V.c. Rukmani, Thiruvananthapuram: P. Kesavan.
YOJANA seeks to carry the message oCthe Plan to all sections of the people and promote amore earnest discussion on problems of social
and economic development. Although published by the Ministry of Information and Broadcasting, Yojana is not restricted to
expressing the official point of view. Yojana is published in Assamese, Bengali, English, Gujarati, Hindi, Kannada, Malayalam, Marathi,
Oriya, Punjabi, Tamil, TeJugu and Urdu.
EDITORIAL OFFICE: Yojaoa Bhavan. Saosad Marg,New Delhi Tel.: 3710473, 3117910, 3715481 (Exm. 2509,2510,2565,2566,
251I). Tlgm.: Yojana.
For new subscriptions, renewals, enquiries pluse contact: Advertisement & Circulation Manager, Publications Division, Min. of
I&B, East Block-IV, Level-VII, RK Puram, New Delhi-II0066, Tel. 6105590, Telegram: Soochprakasan and Sales Emporia:
Patiala House, Tilak Marg, New Delhi; Super Bazar, Connaught Circus,N~ Delhi; Sales Counter. Asst. Business Manager, Publications
Division,Min.ofI&B;oldSecretariat, Delhi-l IQl)54; Rajaji Bhawan, Besant Nagar, Chennai; 8 Esplanade East, Kolkata; Bihar
State Cooperative Bank Building, Ashoka Rajpath, Patna; Press Road, Thiruvananthapuram; 27/6, Ram Mohan Rai Marg,
Lucknow; Commerce House, Currimbhoy Road, Ballard Pier, Mumbai; 10-2-1, 1st Floor, F.D.C-. Complex, A.C. Guards,
Hyderabad; 1st Floor 'F' Wing Kendriya Sadan, Koramangala, Bangalore; PIB Sales Counters: CGO Complex, 'A" Wing.
A.B. Road, Indore, 80 Malviya Nagar, Bhopal, K-21, Nand Niketan. Malviya Nagar, 'CO Scheme, Jaipur.
SUBSCRIPTION: I year Rs. 70, 2-Rs. 135,3-Rs. 190.For neighbouring countrieshy Air Mail Rs. 500 yearly; for Eoropeanand other
countries Rs. 700 yearly.
The views expressed in various articles are those of the authors' and not necessarily of the government.
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f?Y~,~9;- ":';J;'
BANKING SECTORREF:ORM IN INDIA: A STUDY
Anindya Bhukta
STRUCTUREOF W01U-DINSURA11CE
P V Nishanth and Anindita Mitra
SOCIAL RESPONSIBILITY & PROFIT MOTIVE OF COMMERCIAL
BANKS
N K Sharma
NATIONSTANDSTEST OF DEMOCRACY
R.C Rajamani
A NEW ERAIN OIL SECTOR
PC Thomas
A NEW CHAPTER IN PLANNING PROCESS
Girish Chandra
NEWHEALTH POLICY FOCUSES ON PRIMARY SECTOR
Sushma Chandra
E-ENABLED ENTREPRENEURSHIP AND NORTH-EAST REGION
S S Khanka
USER FEES FOR PUBLIC HEALTH CARE INSTITUTIONS
K Padmaja
JAMES TOBIN: ARCHITECT OF MODERN MACROECONOMICS
A Ramalingam
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About the issue
The first
reform
phase of the financial
yielded good results.
The second phase of the process also
got started with the implementation of
some of the recommendations of the
second report of Narasimham
Committee. There may be arguments
in favour or against. But the moot
point is we have to advance following
the method of trial and error, argues
the lead article.
The long awaited deregulation of
the petroleum sector has come about.
But has it gone in favour of the
consumer as it. has in case of the
telecommunication industry, ask some.
The National Human Development
Report,a compilation of basic data in
terms of quality oflife and standard of
living of the country's citizens, is out.
The need for such a comprehensive
document had long been felt, more so
after the publication of the Human
Development Report by the UNDP
since 1989. Another important
document to follow suit is the National
Health Policy. The biggest challenge
for successful implimentation, as
noted, lie in evolving a mechanism to
check the spiralling cost of health
services.
E-commerce, a buzz thing all over,
could not take offin the North Eastern
region mainly due to the problems of
infrastructure and digital illiteracy.
Sooner the corrective steps are taken
the better in the larger interest, opines
the contribution on the subject.
From time to time we will feature
the new column Career Guidance.
This time it is Biotechnology and
Bioinformatics. The sp~rts page this
time features the ensuing Asian
Games. About the contents and new
format, we invite readers' views in the
Letters column. b