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Raghuram Rajan junks FSLRC’s recommendations; describes it as "schizophrenic"

18 Jun 2014 Evaluate

Reserve Bank of India Governor Raghuram Rajan junked the much hyped Financial Sector Legislative Reforms Commission (FSLRC) and described one set of its recommendations, which proposed a unified regulatory framework by merging regulation of trading under a Unified Financial Agency, as "schizophrenic". In hard-nosed criticism of the FSLRC report, Rajan termed the committee’s suggestions not only "schizophrenic", but "faddish" and "impressionistic" that had been framed without any deep analysis on the specious ground that this would introduce a system of checks and balances.

According to the governor, creating a Unified Financial Regulatory Agency would take over the work from the RBI in the areas relating to the Bond- Currency- Derivatives nexus, which would adversely impact on the development of these markets. The governor underscored that moving the regulation of bond trading at this time would severely hamper the development of the government bond market, including the process of making bonds more liquid across the spectrum, a process which the RBI is currently engaged in.

Further, Raghuram highlighted the recommendation of appropriate size and scope of regulators as area of concerns. He pointed that while on one hand, the commission emphasizes synergies in bringing together some regulators into one entity, on the other, it suggests breaking up other regulators, with attendant loss of synergies.

Governor pointed these contradictory views by averring FSLRC suggests laws that do not micromanage, give regulators the freedom to fill in the details in consonance with the changing needs of the economy. But, at the same time, expressed the need to check and balance the activities of regulators through judicial oversight. Too much of checks and balances could completely vitiate the flexibility afforded by rewriting laws,' he said.

Lastly, While Rajan was withering in his criticism of the FSLRC’s suggestions to undermine the independence of the financial regulators, he unveiled the monetary policy framework would be guided by RBI deputy governor Urjit Patel’s report in January this financial year.

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Raghuram Rajan junks FSLRC’s recommendations; describes it as "schizophrenic"

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