2020 Reading Comprehension - Inference, Economics (Banking Sector)

Which one of the following is the most logical and rational inference that can be made from the above passage?

• Indian banking system is not able to help the country in its economic growth.
• Economic reforms that started in 1991 have not helped in improving the economy to expected levels.
• India lacks the institutional mechanism to deal with the failure of banks.
• Encouraging the foreign investments in our industrial sector is a good alternative to this sector's dependence on banks for credit.