These focus instead on the interest rate, credit or bank lending channels. Now, how does this risk-taking channel work? Well, it can work in different ways. For a start, low interest rates mean low returns. Investors might rebalance their portfolios and take on more risk in order to make up for lost returns. Should we be concerned about this?
Similarly, as against the per capita credit of Rs 28,600 at the all-India level, the corresponding figure for the eastern region is only Rs. 7,200. •  In March 2007, at the all-India level, the population of people having bank accounts was 41 per cent.