1. – Professor, Department Of Economics, Panjab University, Chandigarh.
| Received
09-Dec-2022 |
Accepted
- |
Published
09-Dec-2022 |
Abstract
This paper concerns Indian
banks’ ability to respond to NPA
once they arise. Once NPA arise,
the management of these banks
demands a specific type of
knowledge-intensive human
capital. This permits a meaningful
participation of banks in possible
restructuring under the insolvency
and bankruptcy laws.
The lack of proper employment
structure and the neglect of
proper restructuring of the
stressed loans can translate into
higher prospects of NPA. A lack
of proper knowledge-intensive
human capital constrains banks’
choices in carrying out effective
restructuring and banks would
be relying more on freeriding. If
so, the management of current
NPAs could result in a much pronounced
NPA prospects.
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