will it resolve the problems related to incomplete property rights. Finally, if the
agricultural credit institution is put under government control, this is inconsistent with
the ongoing reform and privatisation of the public sector. It will have a negative impact
on the development of a commercial rural financial system in the long run. It reduces the
competitive position of commercially viable private banks and informal credit suppliers,
as they cannot compete with the cheap credit which is likely to be channelled through
this bank