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They were shackled, as we noted earlier, by the volume of their Non-Performing Assets. The rate of increase of bank loans to industry had fallen steadily after 2010, from 30 per cent to zero by early 2016, and these loans then declined in absolute terms. The question marks over the sustainability of high rates of growth were pointed up in the Government of India’s Economic Survey for 2016–17. The Survey drew attention, in particular, to the ‘twin balance sheet problem’, referring to the coincidence of a highly leveraged (that is, heavily indebted) corporate sector with a banking sector that is encumbered with bad loans (Economic Survey 2016–17: ch. 4) – as a result, it is reasonable to suppose, of the extensive crony capitalism of the previous period of super-fast growth.

      To these rather fundamental problems of the Indian economy there were added further difficulties as a result of what was called ‘demonetization’ (or, popularly, in India, as ‘notebandi’), when on 8 November 2016, the prime minister suddenly announced that all Rs 500 and Rs 1000 notes were to be withdrawn from circulation, from midnight that day, with the objective – it was said at the time – of benefiting the poor by flushing out black money held by wealthy people. In the event, virtually all the notes that were demonetized in November 2016 were returned to banks, as the Reserve Bank of India reported in 2017, and it remained to be seen how many of the large number of cases that were then being brought by the income tax authorities against suspected holdings of black money that had been deposited, would be brought to a successful conclusion. In 2017 government ministers argued that demonetization hadn’t been about black money at all. It was, they said, directed at bringing about behaviour change and encouraging the move from cash to digital transactions. Or about cutting the flow of money to terrorists. Different justifications were offered on different occasions. What seemed certain, however, was that the move had caused more than a passing difficulty for the very large numbers of businesses that depended upon cash in their transactions (The Economist, 2017), and that this contributed significantly to the slowdown in the economy, shown up in data released in September 2017, on growth in the first quarter of that year – down to 5.7 per cent, the lowest for three years (or 3.7 per cent or less according to the old method of calculating GDP). This was the fifth consecutive quarter in which growth had contracted. The growth rate had gone back to what it was when the Modi government came into office.

      For the first three decades following independence in 1947, India experienced highly variable economic growth rates, but averaging less than 4 per cent per annum. This period of the ‘licence-permit-quota raj’ saw bureaucrats holding important discretionary powers, and these helped to give rise to what Kar and Sen describe as a disordered deals environment, not conducive to growth. Though sometimes written off, this period was not wholly unsuccessful. The industrial structure of the country was transformed in a remarkably short period of time, and skills were built up that have served the Indian economy very well in more recent years. Yet decisions taken in this period, or decisions not taken, or failures of policy implementation have had highly significant consequences over the longer run. Governments failed to tackle the problem of improving the productivity of Indian agriculture (on which, see chapter 4), except by means of a regime of subsidies that have tended to benefit larger farmers only in certain parts of the country – Punjab, Haryana, western UP and coastal Andhra Pradesh in particular. The country became set on a path of industrial development that was not based on labour-intensive manufacturing of products for export; and set, too, on a path that protected manufacturing of many products in small-scale units, with the result that there are relatively very few middle-sized establishments in Indian industry. There is a ‘missing middle’.

      Then, at last, India attained more or less ‘superfast’ growth for about five years from 2003–04. The cumulative effects of the economic reforms were reflected in the rise of corporate savings and investment in this time, and in marked improvement in productivity. Yet, according to the analysis by Kar and Sen, broadly supported by Joshi, this period of exceptionally high growth saw the establishment of more closed deals, involving particularly companies operating in high rent sectors – and it was the political backlash against this, later in the period in office of the second Congress-headed United Progressive Alliance government, that soured the investment climate. It also became clear, subsequently, that the banking system had encouraged excessive credit growth in the boom years, a lot of it involving crony-capitalist deals. The weight of Non-Performing Assets held by banks became a constraint on growth, and as corporate savings and investment declined, so economic growth faltered. Indications of recovery after 2014 were disputed at the time, and prime minister Modi’s later claims that India’s economy had grown faster during his tenure than at any other time were called into question because of doubts about the validity of new official statistics.

      Worries about the economy played very little part in the general election of 2019, however, as prime minister Modi succeeded in focusing attention on matters of national security and of nationalism. Big business seems generally to have given him and his party the benefit of the doubt, while looking – as reported in the financial press (Kazmin 2019b) – for urgent action regarding access to land and capital, and labour market flexibility. These hopes were certainly not realized in the first months after the election, when, as we noted earlier, evidence of the slowing of GDP growth was published (Kazmin 2019c). The sharp fall in the sales of cars was seen as ‘the most alarming symptom of broader economic slowdown’ (Parkin 2019a). Then the first budget of the new government, put before parliament in July 2019, promised to increase tax revenues and imposed a tax surcharge on the ‘super-rich’, measures that were seen as threatening by business people – though the government shortly afterwards sought to allay business fears by cutting corporate tax rates to their lowest levels in the history of independent India. The publication of data for April–June 2019 showed the slowest rate of growth of the economy for six years, highlighting ‘the depth of malaise that has gripped a country that not long ago reveled in its status as the world’s fastest growing economy’ (Kazmin 2019d; see also Kazmin 2019e),

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