working capital management project report on cooperative banks
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project on working capital management of co- operative bank
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Cooperative banking is retail and commercial banking organized cooperatively. Cooperative banking institutions take deposits and lend money in most of the world. Cooperative banking, as discussed here, includes retail banking carried out by savings and credit cooperatives, mutual savings banks, development companies and cooperatives, as well as commercial banking services provided by mutual organizations (such as cooperative federations) to cooperative enterprises.

Cooperative banks are the property of their clients and follow the cooperative principle of one person, one vote. Cooperative banks are often regulated by banking and cooperative legislation. They provide services such as savings and loans to both non-members and members, and some participate in wholesale markets for bonds, money and even stocks. Many cooperative banks are traded on public stock markets, with the result that they are partially owned by non-members. The control of the members is diluted with these external bets, so they can be considered semi-cooperative.

Cooperative banking systems are also usually more integrated than credit union systems. Local branches of cooperative banks select their own boards of directors and manage their own operations, but most strategic decisions require the approval of a central office. Credit unions usually retain strategic decision-making at the local level, although they share administrative functions, such as access to the global payment system, through federation.

Some cooperative banks are criticized for diluting their cooperative principles. Principles 2-4 of the "Declaration on Cooperative Identity" can be interpreted as a requirement that members must control both the governance systems and the capital of their cooperatives. A cooperative bank that obtains capital in the public stock markets creates a second class of shareholders that compete with the members for control. In some circumstances, members may lose control. This effectively means that the bank is no longer a cooperative. Acceptance of deposits from non-members can also lead to a dilution of member control.
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