ESSAYS FOR BANK EXAMS

Corruption in India

Introduction
"Power tends to corrupt, and absolute power corrupts absolutely."
It is not easy to define corruption. But in a narrow sense, corruption is mostly concerned with "bribery" and it takes several forms. Corruption is a global phenomenon and it is omnipresent. Corruption has progressively increased and is now rampant in our society.National scenario. Corruption in India is a consequence of the nexus between Bureaucracy, politics and criminals. India is now no longer considered a soft state. It has now become a consideration state where everything can be had for a consideration. Today, the number of ministers with an honest image can be counted on fingers. At one time, bribe was paid for getting wrong things done but now bribe is paid for getting right things done at right time.

Effects of corruption
Indian administration is tainted with scandals. India is among 55 of the 106 countries where corruption is rampant, according to the Corruption Perception Index 2004 Report released by Transparency International India. Corruption in India leads to promotion not prison. It is very difficult to catch ‘big sharks’. Corruption in India has wings not wheels. As nation grows, the corrupt also grow to invent new methods of cheating the government and public.

Causes of corruption
The causes of corruption are many and complex. Following are some of the causes of corruption.
Emergence of political elite who believe in interest-oriented rather than nation-oriented programmes and policies.
Artificial scarcity created by the people with malevolent intentions wrecks the fabric of the economy.
Corruption is caused as well as increased because of the change in the value system and ethical qualities of men who administer. The old ideals of morality, service and honesty are regarded as an achronistic.
Tolerance of people towards corruption, complete lack of intense public outcry against corruption and the absence of strong public forum to oppose corruption allow corruption to reign over people.
Vast size of population coupled with widespread illiteracy and the poor economic infrastructure lead to endemic corruption in public life.
In a highly inflationary economy, low salaries of government officials compel them to resort to the road of corruption. Graduates from IIMs with no experience draw a far handsome salary than what government secretaries draw.
Complex laws and procedures alienate common people to ask for any help from government.
Election time is a time when corruption is at its peak level. Big industrialist fund politicians to meet high cost of election and ultimately to seek personal favour. Bribery to politicians buys influence, and bribery by politicians buys votes. In order to get elected, politicians bribe poor illiterate people, who are slogging for two times’ meal.

Measures to combat corruption
Is it possible to contain corruption in our society? Corruption is a cancer, which every Indian must strive to cure. Many new leaders when come into power declare their determination to eradicate corruption but soon they themselves become corrupt and start amassing huge wealth.
There are many myths about corruption, which have to be exploded if we really want to combat it. Some of these myths are: Corruption is a way of life and nothing can be done about it. Only people from underdeveloped or developing countries are prone to corruption. We will have to guard against all these crude fallacies while planning measures to fight corruption.
Foolproof laws should be made so that there is no room for discretion for politicians and bureaucrats. The role of the politician should be minimized. Application of the evolved policies should be left in the hands of independent commission or authority in each area of public interest. Decision of the commission or authority should be challengeable only in the courts.
Cooperation of the people has to be obtained for successfully containing corruption. People should have a right to recall the elected representatives if they see them becoming indifferent to the electorate.
Funding of elections is at the core of political corruption. Electoral reforms are crucial in this regard. Several reforms like: State funding of election expenses for candidates; strict enforcement of statutory requirements like holding in-party elections, making political parties get their accounts audited regularly and filing income-tax returns; denying persons with criminal records a chance to contest elections, should be brought in.

Responsiveness, accountability and transparency are a must for a clean system. Bureaucracy, the backbone of good governance, should be made more citizen friendly, accountable, ethical and transparent.
More and more courts should be opened for speedy & inexpensive justice so that cases don’t linger in courts for years and justice is delivered on time.
Local bodies, Independent of the government, like Lokpals, Lokadalats, CVCs and Vigilance Commissions should be formed to provide speedy
justice with low expenses.
A new Fundamental Right viz. Right to Information should be introduced, which will empower the citizens to ask for the information they want. Barring some confidential information, which concerns national and international security, other information should be made available to general public as and when required. Stringent actions against corrupt officials will certainly have a deterrent impact.

Conclusion
Corruption is an intractable problem. It is like diabetes, can only be controlled, but not totally eliminated. It may not be possible to root out corruption completely at all levels but it is possible to contain it within tolerable limits. Honest and dedicated persons in public life, control over electoral expenses could be the most important prescriptions to combat corruption. Corruption has a corrosive impact on our economy. It worsens our image in international market and leads to loss of overseas opportunities. Corruption is a global problem that all countries of the world have to confront, solutions, however, can only be home grown. We have tolerated corruption for so long. The time has now come to root it out from its roots.

Why Do I Like A Bank Job

I have a liking for all such activities which have a social bent and significance. As it applies to other aspects of life it does to the choice of profession, vocation and job too. Banks have the widest social bearing not simply in India but the whole world. They are the biggest lending and borrowing institutions in the country and cover almost all groups of people and industries. Thus one serving in a bank has the opportunity to have contacts with all shades of people rich and poor. Of late banks have taken to social banking. They do not cater only to the needs of industries and rich businessmen. They have penetrated into the rural areas, and help the small farmers, village artisans and others to establish their independent work.
Loans are given for farming, workshops, dairying, poultry and tube wells. Only loans are not given but the people are inspired and guided by the field officers. In a way the bank field officers have become social workers. I would like to seek this opportunity to help the poor.
In urban area too, banks have made experiments to help the downtrodden. They help the poor to stand on their own. Some of the banks lend money to green-grocers, barbers, petty tailors, cycle-rickshaw pullers, three wheeler drivers and many other categories. In the service of bank I would like to enlarge the sphere of these activities to help the poorest of the poor and free them from the clutches of the village mahajan and city financier.
I have a fancy for the schemes of the government which have given a boost to the electronic industry. It is with the assistance of Banks that many producers like a mechanic or a junior engineer sets up his own small factory to manufacture small parts. Thus I would serve the cause of the middle classes.
Banks are the treasury of the country. One who serves in a bank has the satisfaction to be amidst riches. It I am in a bank the money won't be mine. But I shall have the satisfaction of being the guardian of most essential resources of the nation for the individual, social and national development. It may look childish; I have a fancy for it.
As banks are the pivot of the monetary structure of the country, banking is the richest establishment. Banks have the highest paying capacity.
Thus a job in a bank is most remunerative. An ordinary officer starts with a better salary than a lecturer in a University. A clerk reaches a sealing in salary which even the Principal of an Inter college does not reach. Naturally I have a fancy for such a remunerative post. One's social status depends upon one's financial position. I would like to maintain my standard among middle class people.
One of the greatest personal enchantments for the bank service is that it has been declared an industry. It has the largest number of members in one nationalized sector after the railways. Thus it has the most powerful trade unions of class II, class III and class IV employees. A strong trade union means better job security. It also means association of dearness allowance with the price index. As the prices are soaring high these days it is only a man in the industries who gets the benefit of an automatic increase in allowances.
A bank job is an easy affair for a man who can prove his worth in the competitive examinations. As I have no access to men in high positions I would like to prove my worth through competitive examinations. It would give me more confidence in later life not to depend upon pulls and approaches but on my capability and efficiency.