Do foreign banks in India indulge in cream skimming?

Mandira Sarma () and Anjali Prashad ()
Additional contact information
Mandira Sarma: Centre for International Trade and Development,Jawaharlal Nehru University
Anjali Prashad: Centre for International Trade and Development,Jawaharlal Nehru University

Centre for International Trade and Development, Jawaharlal Nehru University, New Delhi Discussion Papers from Centre for International Trade and Development, Jawaharlal Nehru University, New Delhi, India

Abstract: Foreign banks in developing countries are often found to indulge in cream skimming, a lending strategy that targets only wealthy segments of the credit market and exclude small and marginal borrowers from the general pool of borrowers. This paper attempts to investigate whether lending pattern of foreign banks in urban regions of Indian States is indicative of cream skimming. Using credit data on urban regions of 21 States of India for the period 1999-2011, this paper finds empirical evidence of cream skimming by foreign banks in India.

Pages: 19 pages
New Economics Papers: this item is included in nep-ban
References: Add references at CitEc
Citations:

Downloads: (external link)
https://www.jnu.ac.in/sites/default/files/DP01_2014.pdf (application/pdf)
Our link check indicates that this URL is bad, the error code is: 404 Not Found

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:ind:citdwp:14-01

Access Statistics for this paper

More papers in Centre for International Trade and Development, Jawaharlal Nehru University, New Delhi Discussion Papers from Centre for International Trade and Development, Jawaharlal Nehru University, New Delhi, India Contact information at EDIRC.
Bibliographic data for series maintained by Shamprasad M. Pujar ().