Research Proposal: Risk Management Practices in Indian Banking

This research proposal delves into the critical domain of risk management within the Indian banking sector. It aims to identify and analyze the various risk management practices currently employed by Indian banking institutions, with a focus on understanding the tools, techniques, and strategies used to mitigate financial risks. The proposal outlines the research objectives, including identifying risk management techniques, assessing their effectiveness, and recommending best practices for risk mitigation. The methodology includes a review of existing literature, examination of the research approach, design, data collection methods, research philosophy, and data analysis techniques. The proposal will explore the relationship between credit management and lending services, and evaluate the positive and negative aspects of current risk management practices. The research intends to provide insights into the challenges faced by banks in managing risks and propose effective strategies to enhance risk management capabilities. The proposal includes a comprehensive literature review, examining scholarly articles and books relevant to risk management in the banking sector, including insights from various researchers on credit management, financial risk, and the importance of effective risk management practices.

RESEARCH
PROPOSAL

Table of Contents
INTRODUCTION...........................................................................................................................1
OBJECTIVES- ................................................................................................................................1
Literature review- ............................................................................................................................4
REFERENCES................................................................................................................................6

Topic- To identify risk management practices followed by banking institutions in India.
INTRODUCTION
The bank is the financial institution which is associated with the wide range of risk. It is
very essential to understand the planning so that each sector can run its oppression in the
effective manner. The bank mainly deal with the borrowing and lending firm so that oppression
and financial risk can be reduced. It is very essential in order to deal with the financial crisis. The
risk management is need to be consider and it is to be evaluated so that risk can be mitigated so it
is controlled and managed (Blankespoor and et.al., 2013). The main aim of this research is to
identify the differed kind of the risk which are facing by the bank institution as per the current
climate. IN order to deal with this it is essential to cope up with the diversified risk management
practices and techniques which will be helpful in relation to deal with risk. The main object
behind making this research proposal is to have identification of the potential factor of the risk.
The main object is to determine the changes which is associated with the banking institution so
that each thing can be effectively managed. The main aim is to make the research proposal in
relation to identify the depth study on the “Risk management in the banking institution”.
Background of the research-
The main aim of the banking institution is to make proper evaluation of the things so that
each things can be taken into the effective manner. This research proposal will be helpful in
relation to find out the all kind of the risk associated with the banks in order to carry the things in
the effective manner. The main is to find out the perfect evaluation so that each things can be
determined in the efficient mode. The main aim of the bank institution is to serve the customer in
expertise manner. With the help of this the bank can able to run it activities in smooth manner.
The main aim is to find out the conceptual framework of the bank leading system so that they all
can able to make the proper flow in the leading services. The credit management activities is that
kind of the things which will be helpful in relation to create the things in the effective manner.
OBJECTIVES-
1. To have identification of the tool and techniques in order to manage the risk.
2. To develop and use the better risk management techniques in relation to monitoring and
managing the risk.
3. To have identification of the negative sides of the risk management practices adopted by
the Indian banks.
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4. To make the evaluation in positive and negative sides of the risk management practices
adopted by Indian banks.
5. To recommend the best approach of risk management that can be employed by the Indian
banks to mitigate the risk.
Research questions
1. What are the leading services of the banking institutes?
2. What are the various issues which are faced by the bank in the management.?
3. What is the relationship between credit management and leading services of the banks?
Research methodology-
This is inclusive of various kind of methodology in order to finding the effective
information about the things in the proper manner. There are the various kind of the
measurement in which proper analysis is need to be done. This will help to give the proper and
practical solution to the each problem and this all things are need to be justified in the clear
manner. The main aim of the research proposal is to make that kind of the project outline which
will be helpful in relation conduct the things in the proper manner. In this the is need to be
collection of the relevant things which is helpful in order to justified the each things in the
effective and efficient manner. This is also the inclusive of the quantitative and qualitative
method so that each thing of the research can be collected effectively. In this manner there are
various kinds of the research methodologies such are as-
1. Research approach- this is one of the most effective and helpful method in this it is need
to be identified that the things are need to be taken into the good process or not. This is
inclusive of the two kind of the basic approach such are as inductive and deductive
approach (rooks, 2015). In this manner the inductive approach is relates to the new kind
of the theory which is derived in relation to gaining the useful information. This kind of
the research is based on the qualitative research. In the other manner it can be said that
the deductive approach is based on the existing theory which is need to be conducted in
relation to find out the perfect term of the research.
2. Research design- This is one of the very helpful method, with the help of this it can be
determined that the each part of the research is need to be pre planned and it is need or be
design effectively. In order to take this all thing in the effective manner there are various
kinds of the design which will be helpful in relation to conduct the research in the good
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and effective manner (Brinkmann, 2017). The type of the design are as descriptive and
exploratory. In the descriptive design there is need to conduct the detailed study about the
each topic. The exploratory design is very helpful in relation to find out the main object if
the study. This both are essential in relation to determine the each perspective of the
project.
3. Data collection method- This is very useful in relation to collect the important
information about the project in order to deal with the various kind of the aims and
objectives. There ate two kinds of the data collection method such are as primary and
secondary. In the primary method it has been stated that the each things is need ot be
collected on the authentic basis or with the help of the present research. The secodary
method of the data collection is relation to the those source which is already been
collected by the others.
4. Research philosophy- in this the research is need to be taken on the basis of the pattern.
There are the kinds of the philosophies such are as positivism and interpretivsim. Under
the intrepretivism the quantity kind of the tools are need to use and in the positivism the
quantitative kind of the tools are need to used. This kind of the things are helpful in
relation to make the good strategy so that the things can be conducted effective and
efficient manner.
5. Data analysis- This is those kinds of the data which is need to be collected and analysed
in the proper and authentic manner. This is need to be done in relation to find out the
authentic information of each thing so that it can be done in relation to find out the proper
result of each activity (Blankespoor and et.al., 2013). This kind of the activity can be
done with the help of the useful information in which each thing can be analysed in the
proper manner. It is very essential to conduct the meaningful information so that the data
information can be gather and the each activity can able to analyse din the proper manner.
In this it can be said that the thematic analysis is helpful in relation to conduct the each
thing in the effective manner.
6. Sampling- This is one of the crucial process and ii is one of the important thing whuch is
helpful in order to gather the important information. IN this there are at least 20 number
of the employees who are need to be selected (Brinkmann, 2017). With the help of these
things the each activity can be conducted in the effective and efficient manner. The main
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aim behind this research proposal is to identify the various kind of the issues which are
affectiong the lending and credit service of the banking institution. With the help of this
there can eb improvement in the quality of the work. This kind of the activities is very
helpful in relation to find out the various kind of the ways in order to mitigate the risk. In
this the all activities are able to run in the effective and efficient manner.
Literature review-
According to the view of rooks, (2015) has been said that the credit management plays
the essential role and in this the banking institution plays the effective and efficient role so that
things can be conducted in the expertise manner. The risk associated with the banking institution
can affect the reputation of the bank in the wide manner. This will be helpful in order to analyse
the various condition of the banks so that each thing can be operate in the effective and efficient
manner. The issues in this kind of the activities can leads to face the various condition which also
work as to reduce the market share of the banking institution.
According to the view of Brinkmann, (2017) has been sated that the banking institution
need to draw the effective strategies so that they are able to conduct the all banking activities
effectively. With the help of this kind of this, there can be elimination in the risk associated with
the banks. As per the view of Cantrell, McInnis and Yust, (2013) has been said that The bank
mainly deal with the borrowing and lending firm so that oppression and financial risk can be
reduced. It is very essential in order to deal with the financial crisis. The risk management is
need to be consider and it is to be evaluated so that risk can be mitigated so it is controlled and
managed.
According to Brinkmann, (2017) has been said the major concern in relation to managing
the risk of the bank is related to the managing the risk of the market. This is need to be done in
this the bank need to track the risk of the market so that they van provide the better solution with
the help of which there can be mitigation in the risk of the market share. As per the view of
Blankespoor and et.al., (2013) it has been stated that the assets' liability management maintain
the balance sheet so that things can be collected effective so that each thing. With the help of the
proper balance of the things the each thing can be conducted in the essential manner.
According to the view of Banks, (2016) has been sated that Indian bank need to use the scientific
method which will be helpful in relation to create the authentic benchmark so that banking
activity can be run effectively. With the help of the risk management practice the firm is able to
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evaluate th all thing in the effective manner. In this the internal and external is need to be
analysed so that things can be evaluated effectively.
As per the view of Almeida and et.al., (2014) has been stated that the function and the process of
the financial institution is quiet complex in this manner it becomes complex to run the activities
so that bank in the s smooth manner. According to the view of Abdulsaleh and Worthington,
(2013) has been stated that the bank is need to be taken the corrective measure in relation to find
out the reason behind the risk and various kind of the methods which is helpful in order to
minimising the risk. According to the view of Athanasoglou, Daniilidis and Delis, (2014) has
been stated that the bank need to practices that activities which is helpful in order to sustaining
them in the market by making evaluation in the practices.
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REFERENCES
Journal & Book
Abdulsaleh, A. M. and Worthington, A. C., 2013. Small and medium-sized enterprises
financing: A review of literature.International Journal of Business and
Management. 8(14). pp.36.
Almeida, H. and et.al., 2014. Corporate liquidity management: A conceptual framework and
survey. Annu. Rev. Financ. Econ. 6(1). pp.135-162.
Athanasoglou, P. P., Daniilidis, I. and Delis, M. D., 2014. Bank procyclicality and output: Issues
and policies. Journal of Economics and Business. 72. pp.58-83.
Banks, E., 2016. The credit risk of complex derivatives. Springer.
Bernard, H. R., 2017. Research methods in anthropology: Qualitative and quantitative
approaches. Rowman & Littlefield.
Blankespoor, E. and et.al., 2013. Fair value accounting for financial instruments: Does it
improve the association between bank leverage and credit risk?. The Accounting
Review. 88(4). pp.1143-1177.
Brinkmann, S., 2017. Philosophies of Qualitative Research. Oxford University Press.
Brooks, R., 2015. Financial management: core concepts. Pearson.
Brown, K. and Moles, P., 2014. Credit risk management. K. Brown & P. Moles, Credit Risk
Management. pp.16.
Cantrell, B. W., McInnis, J. M. and Yust, C. G., 2013. Predicting credit losses: Loan fair values
versus historical costs. The Accounting Review. 89(1). pp.147-176.
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