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Stream/Area:
-
Subject:
-
Paper ID:
IJSREM65660
Volume:
10 |
6 |
Jun 2026
Pages:
1-4
Publication Frequency:
Monthly (12 issues per year)
License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.
Management
SJJTU
Banking policies constitute the foundation of a sound and efficient financial system. They guide the operations of banks, regulate financial markets, protect depositors, maintain monetary stability, and promote sustainable economic growth. In the modern global economy, banking policies have expanded beyond traditional lending and deposit functions to encompass digital banking, cybersecurity, financial inclusion, environmental sustainability, consumer protection, and international regulatory standards. Effective banking policies improve public confidence, strengthen financial resilience, reduce systemic risk, and facilitate economic development. This article examines the concept, objectives, principles, types, regulatory framework, implementation, challenges, and future trends in banking policies while emphasizing their role in creating a stable and inclusive financial system.
KEYWORDS
Banking policies play a fundamental role in ensuring financial stability, promoting economic growth, protecting consumers, and maintaining confidence in the financial system. As banking continues to evolve through technological innovation, globalization, and changing regulatory expectations, effective policy frameworks become increasingly important. Strong governance, prudent risk management, digital transformation, financial inclusion, and sustainable banking practices will remain central to the future of the banking industry. Well-designed banking policies enable financial institutions to operate responsibly while supporting long-term economic prosperity and social development.
Rose, P. S., & Hudgins, S. C. Bank Management and Financial Services.Saunders, A., & Cornett, M. M. Financial Institutions Management.Mishkin, F. S. The Economics of Money, Banking and Financial Markets.Koch, T. W., & MacDonald, S. S. Bank Management.Basel Committee on Banking Supervision. Basel Core Principles for Effective Banking Supervision.International Monetary Fund. Financial Sector Assessment Program Reports.Reserve Bank of India. Banking Regulation and Supervision Publications.World Bank. Global Financial Development Report
Publication Date
6/29/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
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Conflict of Interest
The authors declare no conflict of interest related to this research work.
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